Flood insurance is an optional insurance policy for homeowners insurance that protects you against floods in the home. Storms and burst pipes are common perils that lead to flooding on all levels of the home. This guide will look at the different coverage options you have in a burst pipe scenario. We’ll also look at … Read more
Understanding what your homeowners insurance policy does and doesn’t cover can seem complicated, especially when evaluating what kinds of damage to the home fit an insurance company’s definition of “structural” damage. If you have a cracked bathtub you’re hoping you can make an insurance claim to repair, unfortunately, this will most likely have to be … Read more
Ceiling collapse in your home can have devastating effects, through the damage it can cause to your home, your personal property and people living in or visiting your home who can be injured. When this occurs, you need to inform your home insurance company because structural damage like this will be covered under your total … Read more
Lead poisoning is a serious risk that homeowners need to be aware of, especially if they’re considering getting any work done in their homes. If you’re concerned that lead-based paint might be found within your home, you need to check the exclusions list on your homeowners insurance policy to find out if lead abatement is … Read more
Remember the Unsung Hero of Holding Up Your House Most of us probably take for granted the foundation of our house. It performs the unglamorous job of providing support for your entire structure. Some houses have basements, others are on a slab. Either way, the foundation is a very important part of your home. State … Read more
If you are buying or selling a house, there are many things to look over and analyze. The yard, the foundation, the siding, electrical, plumbing, you name it. These are all things that could potentially make, or break a sale. Entire books have been written on this subject. The purpose of this article is to … Read more
My House Needs Repairs, Quick Call Insurance! Owning a home provides a unique set of rewards and challenges. Throughout the course of ownership, there will be many surprises and things to deal with. Some good, some bad. Everyone will likely have to deal with an appliance replacement at some point. A house may need painting … Read more
Lawn mower mishaps can lead to expensive health insurance deductibles to treat those injuries. Nearly 80,000 people end up hospitalized in the US from lawn mower injuries every year. If a family member or a worker was injured in a lawnmower accident on your property, you want to know if homeowner insurance will cover it. … Read more
Even though most homeowners prefer to have trees in their yard due to its many benefits such as providing shade, privacy, and an increase in their property value, they should also be aware of the potential damages and unforeseen expenses it could cause to their property. One might ask, but how could an innocent tree … Read more
Of all the dangerous problems that can befall a home, dry rot might just be the worst offender. With just a hint of moisture, you have a recipe for a wood-eating fungus that can feast upon the walls of your beloved abode. Dry rot may not seem like a huge deal, but it can quickly … Read more
