Homeowners Guide

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Does Homeowners Insurance Cover Riots, Civil Unrest, & Looting?

Yes, homeowners insurance covers damage from civil unrest, riots, and looting because civil unrest is one of the covered perils listed as a named peril on even the most basic forms of home insurance.
does home insurance renew automatically?

Does Home Insurance Automatically Renew?

When you have a homeowners insurance policy, you get the confidence in knowing that your home is protected from many different perils. You must make sure your policy is active if you want to keep receiving coverage, so learning more about the policy will help you make sure your coverage does not lapse or end. ... Read more
fallen electric and utility poles

Does Home Insurance Cover Fallen Electrical or Utility Poles? 

Fallen electric or utility poles can cause a world of damage and potential hazards. What do you do when one of these structures falls on your roof? What if a pole on your property falls on someone else’s house? Does your homeowner’s insurance cover fallen electrical or utility poles? The simple answer is – yes, ... Read more
snow damage

Does Home Insurance Cover Snow Damage?

When you have homeowners insurance, you expect it to protect you from all kinds of weather-related hazards. Living in a cold area means snowstorms are inevitable. If your home gets damaged during a blizzard, it is important to know exactly what is protected. So does home insurance cover snow damage? Homeowners insurance does cover damage ... Read more
covered perils

Perils Covered by Homeowners Insurance

Having insurance in place is essential and protects your home from a variety of hazards. Anything can happen, so preparing for the unexpected is a must. While you never want to use it, keeping an active policy in place will prevent you from experiencing a big loss that can home with a high price tag. ... Read more

Does Home Insurance Cover Rain Damage?

Having a homeowners policy in place is crucial, especially when you are at risk of experiencing damage due to weather. Since this is one of the most common occurrences that require homeowners to file a claim, knowing what is covered is very beneficial. Your standard homeowners policy does cover damage as a result of rain ... Read more

Does Homeowners Insurance Cover Wind Damage to The Roof?

Wind damage is responsible for a lot of destruction nationwide. Nearly 5% of all households in the United States file a claim for weather-related damage every year. If the home sustains damage due to natural causes such as hail, the homeowners insurance policy will provide protection. Homeowners policies are primarily designed to protect you from ... Read more

Does Homeowners Insurance Cover Raccoon Removal?

Raccoons and other animals such as squirrels, birds, bats, and mice are treated differently by insurance companies. Raccoons exist all over North America and they can cause significant damage to the structure of the home. If you have a homeowners insurance policy and it covers raccoon removal, there are special services that can remove raccoons ... Read more

Does Homeowners Insurance Cover Renters?

If you’re a homeowner and want to start renting your property, you must insure the property and the tenants. Homeowners insurance protects you on multiple levels: It includes dwelling coverage for structural damage and property coverage for all your belongings. This coverage is mandatory when you let strangers into your home, especially when you do ... Read more

Does Home Insurance Cover Fire?

Fire damage can be devastating to a home and cause significant property damage and injuries. The most common form of fire damage are electrical fires, kitchen fires, candle fires, and wildfires. Wildfires have the potential to burn through millions of acres and engulf thousands of homes in flames. This is why homeowners insurance policies are ... Read more

Does Homeowners Insurance Cover Lost Jewelry?

Jewelry is an extremely valuable property and it’s easily damaged and stolen. Homeowners insurance can provide a degree of protection for jewelry, but it’s essentially treated as any other property unless you individually insure it. This guide will cover how you can secure your jewelry at full replacement value to keep your bracelets, necklaces, rings, ... Read more
How Much Is Homeowners Insurance?

How Much is Homeowners Insurance?

On average, the annual cost of a homeowners insurance policy in 2020 is $1,445, but in reality, the average cost between different regions, states, and individual households can range greatly. A number of factors come into play when an insurer is determining your home insurance quote, including: Home age Condition of the home Deductible Replacement ... Read more

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