Homeowners insurance generally covers sudden, accidental roof leaks but won’t pay for problems due to wear and tear. Here’s what you need to know.
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...
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...
Homeowners policies do not cover every possible scenario that could damage your property and harm its value. Regular homeowners insurance will not protect your property against flooding, for example. You’d need special flood insurance for this. Other common exclusions for home insurance are: Damage ...
This is where the distinction between your home andauto insurancepolicies can become a little blurry. While homeowners insurance won’t cover damage to the car itself, many policies will provide some coverage for personal items that are stolen from it. However, some of the more comprehensive auto...
damage to your home. Although it can help with a lot of things, 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...
Renters insurance is less comprehensive than a homeowners policy but costs much less. Regardless of how much you save, it would be best to understand what your policy covers so you don’t run into any problems. Personal Property Damage Does renters insurance cover property damage? Personal ...
Understanding Sewer Backup Insurance Sewer backup insurance, also known as sewage or sewage backup coverage, is a type of insurance that provides financial protection in the event of damage caused by sewer backups. It is typically an add-on or endorsement to a standard homeowners’ insurance polic...
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You're using the rental car for business: Your private passenger auto policy won't cover a rental car you're using while on a work trip. If something is stolen from the car: Personal car insurance doesn't cover items stolen from a car. If you don't have homeowners or renters insurance...