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16 Named Perils for Homeowners Insurance
Damage caused by 16 named perils are covered by most homeowners insurance policies. Find out what the 16 named perils are.
Does Home Insurance Cover Wind & Hail Damage to Siding?
Yes, homeowners insurance covers functional wind and hail damage to your siding, as long as wind and hail are not excluded from your policy. In most cases, cosmetic damage claims are not covered.
Why Is the Home Insurance Company Taking Pictures of My House?
There are several reasons your homeowners insurance company may need to take pictures of your home.
Does Homeowners Insurance Cover a Hot Tub?
Yes, most homeowners insurance policies will cover your hot tub in some way if it is damaged by one of the covered perils. Personal liability and medical payments coverage may kick in if a guest to your home gets injuried in your hot tub.
Will a New Roof Get Me a Home Insurance Discount?
Although the answer depends on your insurer, for many insurance companies, a new roof will qualify your house for a discount and will lower your annual homeowners insurance premium by hundreds of dollars.
Additional Interest vs Additional Insured for Homeowners Insurance
When looking at your homeowners insurance policy, you might see terms like Additional Interest and Additional Insured. Unless you are an insurance agent, it can be hard to understand all the terms and their meaning.
DP-1 vs DP-2 vs DP-3: Comparison of Policies
If you are a landlord or a homeowner with a vacation home, trying to decipher which dwelling property insurance policy is the best fit for your situation can be difficult. The purpose of this article is to help you gain a better understanding of DP-1, DP-2, and DP-3, the three forms of rental property and vacation home insurance policies, so that you have the knowledge to choose the policy that fits your unique situation the best.
What is a DP-3 Insurance Policy?
DP-3 is an open-peril type of dwelling property insurance policy which is typically used by rental properties, vacation homes, and houses with bad roofs. DP-3 is in many ways similar to standard homeowners policies like HO-3 with a few differences.
What is a DP-2 Insurance Policy?
DP-2 is a type of dwelling property insurance policy. It is typically used by landlords. It provides more coverage than DP-1 plans but less than DP-3 policies.
Ordinance or Law Coverage
Ordinance or law coverage is an add-on insurance coverage for homeowners insurance. It covers the cost of re-building the home to local building code requirements after it has been damaged or destroyed by a covered event.
Does Homeowners Insurance Cover Wear and Tear?
Wear and tear are excluded from standard homeowners insurance coverages. Homeowners is supposed to be the one responsible for maintaining the house and the property in a well-functioning order.
What is a DP-1 Insurance Policy?
DP-1 is the most basic form of a dwelling property insurance policy. It is a named-peril policy offering minimum protection. It is typically recommended for unoccupied rental properties.
