In general, standardhomeowners insurancepolicies cover renovations. However, it's to your advantage to check with your agentbeforethe project gets underway to make sure that you will be adequately covered during and after the renovation. There are two key reasons why this is important: Your existi...
Standard homeowners insurance policies usually cover damage due to fire, both house fires and wildfires, as well as smoke damage. Your policy should pay to replace or repair the house's physical structure, permanent fixtures, appliances and attached structures, as well as your personal belongings. ...
Homeowners insurancetypically covers a broad range of possible damages. Your actual physical dwelling and other structures on the property should be covered, like a garage, fence, driveway, or shed. However, if you run a business on your property in a separate structure, homeowners insurance gene...
Homeowners insurance coverage pays to repair or replace damaged property, including your belongings and the structure of your house. Home insurance generally covers damage due to fire, wind or snow, but standard policies won’t cover floods or earthquakes. It also covers your liability if you hurt...
does homeowners insurance cover wildfire damage? when doesn’t homeowners insurance cover fire damage? more key takeaways: a homeowners policy usually covers accidental fire damage, often under your dwelling, personal property, detached structure, and loss of use coverage. while wildfire damage is ...
Homeowners may need to purchase event liability insurance to provide additional coverage for private parties. Host liquor liability insurance can provide extra coverage for a party host if alcohol is served. Many states have social host liability laws, which can make the host liable for the actions...
Whether your homeowners insurance policy covers mold damage largely depends on the cause of the mold. Here’s what you need to know.
Two things that homeowners insurance often does not cover are earthquakes and flood-related damage, but there are several other instances of damage that your home insurance will likely exclude. Here are a few examples: Failure to Perform Maintenance ...
home insurance doesn’t cover everything. Depending on where you live and how much stuff you have, you might consider building out your policy with endorsements, or add-ons. Knowing what homeowners insurance does and does not cover could help you buy the right policy the first time around. ...
Other Medical Expenses:Many insurance companies let you add coverage to help pay a guest’s medical bills if he or she got injured in your home. Liability:This is a big one. If someone were injured on your property and a civil trial judge or jury found you liable, your homeowners coverag...