Homeowners Guide

The floor of your house is considered to be part of your dwelling and is covered by homeowners insurance policies in many cases. As long as floor damage is sudden and accidental and is not caused by one of the excluded perils it will be covered by most standard HO-3 policies.

In most instances, homeowners insurance companies cover smoke damage from a fire that was sudden or unexpected.

Rural home insurance is similar to standard homeowners insurance in many ways. In some cases, rural properties require higher coverage limits to properly insure all the structures and personal belongings located on site.

Yes, most standard home insurance policies will cover your camper RV when it is stored on your property.

Coastal home insurance is a type of homeowners insurance specifically modified for higher-risk coastal areas. While typically more expensive than standard homeowners insurance, coastal home insurance offers greater protection against wind and water damage.

Wondering if you need to have both spouses on your home insurance policy quite possibly could be the furthest thing from your mind, when you and your spouse decide to move in together. There are so many things to think about when this happens that insurance considerations tend to be an afterthought, but this can ... Read more

Yes, damage from explosions is covered by homeowners insurance. Even basic named-peril policies such as HO-1 and HO-2 include it in the list of covered perils.

There are several reasons your homeowners insurance company may need to take pictures of your home.

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.

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.

Learn the types of damage and perils that are typically excluded from homeowners insurance coverage.

The roof shape and material it is made of can impact your homeowners insurance premiums. Find out how your roof style fairs with insurance.