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Does Homeowners Insurance Cover Sump Pump Failure?

Does Homeowners Insurance Cover Sump Pump Failure?

Some homeowners are stunned when they find out that flooding damage that takes place in their basement is not reimbursable by their policy. Standard home insurance plans generally don’t cover against flooding. It would typically be something that you need to buy an add-on for. This is why it’s critical to cover every scenario with ... Read more

Does Homeowners Insurance Cover Frozen Pipes?

Yes, most homeowners insurance policies cover the damage caused by frozen pipes if it happened in a sudden and accidental manner.
Does Homeowners Insurance Cover Stucco Damage?

Does Homeowners Insurance Cover Stucco Damage?

Stucco is a textured plastic or cement material used to decorate the exterior of a home. This material is used on residential and commercial buildings all over the United States, but it’s very popular in warm states like Florida due to its insulation properties. The material can keep the home cool during the warm months ... Read more
Does Homeowners Insurance Cover Broken Pipes Under Slab?

Does Homeowners Insurance Cover Broken Pipes Under Slab?

As a general rule, standard homeowners insurance covers sudden, catastrophic water leaks, but only the damage that it causes not the plumbing. If a leak is found to be something that has been slow and gradual over a period of time, an insurance carrier could choose to deny the claim. This is the ply with ... Read more
Is Home Siding Covered By Homeowners Insurance?

Is Home Siding Covered By Homeowners Insurance?

It’s important to take care of and maintain your home’s siding, but sometimes there are storms that you just can’t prepare for. That’s where homeowners insurance comes in. Homeowners insurance can cover a variety of different damages. Does it, however, cover siding? Siding is a crucial material in maintaining the looks, structure, and safety of ... Read more
Does Homeowners Insurance Cover Basement Flooding?

Does Homeowners Insurance Cover Basement Flooding?

Water damage can happen in homes, and especially basements, for a multitude of reasons. Because there are so many possible scenarios, it can be confusing to figure out which ones homeowners insurance will cover. Be sure to know what your current homeowners policy covers and if there are any precautions or policy add-ons that you ... Read more
Does Homeowners Insurance Cover Sewer Line Replacement?

Does Homeowners Insurance Cover Sewer Line Replacement?

While it’s not something people think about on a day to day, sewer lines are important in modern living. If something goes wrong and they break or spring a leak, it can disrupt the flow of your life and cost a pretty penny to fix. That then leads to the question, “Will homeowners insurance cover ... Read more
Home Repair Insurance

Home Repair Insurance

If you own a home, chances are you know how costly it can be to maintain. The cost of home repairs can quickly add up. If you are thinking about purchasing a new home, or if your current address needs a facelift, you may be wondering if any repairs you make are covered through your insurance. Homeowners ... Read more
Are Sheds And Outbuildings Covered On My Homeowners Insurance?

Are Sheds And Outbuildings Covered On My Homeowners Insurance?

The standard homeowners insurance policy covers “unattached adjacent structures” at a percentage of the dwelling limit. Unattached adjacent structures is defined as sheds, outbuildings, inground pools, detached garages.  Sheds and outbuildings are covered for the same causes of loss, or perils, your home is. Exclusions of a standard homeowners insurance policy The homeowners policy is ... Read more
Does Homeowners Insurance Cover Heat Pumps?

Does Homeowners Insurance Cover Heat Pumps?

Most people understand that a centralized air conditioning unit is covered by their homeowners insurance. Still, some are confused about other parts of their HVAC system.  Will your homeowners insurance also repair or replace a damaged heating unit such as a heat pump? In this article, we will be diving more into the specific parts ... Read more
Will Homeowners Insurance Cover A Collapsed Deck?

Will Homeowners Insurance Cover a Collapsed Deck?

Your deck is covered from many perils. Collapsed deck is covered by homeowners insurance, as long as damage was not caused by wear and tear or lack of maintenance. Damage caused by one of the excluded perils will also not be covered.
Does Homeowners Insurance Cover Gas Line Replacement?

Does Homeowners Insurance Cover Gas Line Replacement?

A gas line is a vital component of any home. In fact, some experts consider gas lines as a necessary evil that is needed in most residential properties. While a gas line may pose danger to the home it also serves very important functions such as allowing you to cook and keep warm. As a ... Read more

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