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. ...
Is your house’s electrical panel covered by your homeowners policy? Like so many things in home insurance, the answer is, “it depends.” If the electrical panel is suddenly and accidentally damaged by a covered peril like fire or lightning, then your homeowners insurance likely covers it. ...
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...
Along with the coverage listed above, your renters insurance covers several other things. These include: Credit card/check forgery: Some policies cover identity theft in the form of fraudulent credit card use or forged checks. Debris removal: If a covered loss has left your yard or house in ...
Homeowners insurance is intended to cover you financially ifsomething sudden and unexpected happensthat causes damage to your house. Pretty simple, right? Well… the jargon can get a little complex, so let’s break it down. In insurance terms, that “something sudden” is called acovered peril...
Animals like rodents, insects and other creatures can cause a lot of damage to your property. Whilehomeowners insurancefinancially protects you from covered losses like fire and storm damage, in most cases, home insurance policies do not cover losses resulting from animals. For that reason, it’...
Renters insurance covers disasters such as fire, theft and windstorms but generally doesn’t cover flooding or earthquakes. You can often add extra renters insurance coverage for things like identity theft and valuable jewelry. One of the perks of renting is that it’s your landlord’s responsibil...
If homeowners insurance doesn’t cover fallen trees, what will? You’ll be covered under your homeowners insurance policy as long as the fallen tree matches one of the requirements listed above. However, if the tree falls due to a non-covered peril or makes a clean fall without damaging pro...
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 ...
if you add a room to your house—e.g., a new bedroom, second owner's suite, or family room—that increases living space, you'll likely have a higher insurance premium. That's because the added square footage bumps up the home's rebuilding costs. ...