Homeowners insurance policies typically cover damages from accidental fires. Common accidental home fires include kitchen, electrical, and fireplace or candle mishaps. Here’s how policy coverages work for fire damage: Dwelling Homeowners insurance typically helps repair the structure of a home damaged ...
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. ...
House firesare one of the most common causes of damage to homes, and almost every homeowners insurance policy protects structures and belongings against them. If a home is a total loss due to fire, most standard policies that cover fire also cover the cost of additional living expenses, such ...
Homeowners insurance covers your house and belongings in case of events such as fires, hail, tornadoes and burst pipes. If one of these scenarios causes damage, your policy can pay to repair it. Homeowners insurance can also reimburse you for theft or vandalism of your belongings. But a home...
When does homeowners insurance cover electrical panels? Whether or not your home insurance covers electrical panels depends on what causes the damage in the first place. Every homeowners policy covers certain perils, or events that cause losses. If the event that caused damage to your panel is c...
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 ...
A lively gathering at home can sometimes result in accidental damage — anything from a broken window to spilled wine on a cherished rug. While homeowners insurance can cover property damage, it usually requires paying a deductible and only covers damage caused byspecific situations. Before hosting...
Whether your homeowners insurance policy covers mold damage largely depends on the cause of the mold. Here’s what you need to know.
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. ...