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...
While homeowners insurance is a safety net for many types of roof damage, it doesn't cover everything. A good rule of thumb is that homeowners insurance generally does not cover gradual or preventable roof damage. Here are some specific causes of roof damage typically not covered: ...
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...
Personal liability protectionis one of the best types of homeowners insurance you can buy. It protects you from lawsuits for bodily injury and property damage that occurs on your property (and even sometimes off—like say your dog bites someone in the park). Let’s look at what happens when...
Homeowners insurance generally doesn't cover common maintenance costs or damage from normal wear and tear or neglect. That could include mold, mildew, termites, rodents and other pests, especially if proper precautions weren't taken. Damage caused by war, terrorism or civil unrest is usually exclu...
(See Does Homeowners Insurance Cover Dog Bites? for more information.) Which events are covered: Liability insurance covers bodily injury and property damage to others, with some exceptions. For instance, your policy won't cover criminal acts or harm you cause on purpose. Nor will it pay for...
Licensed Insurance Agent When people think of insurance for their living space, home insurance coverage is often the first thing that comes to mind. However, homeowners aren’t the only ones who benefit from coverage. Anyone who rents their home is eligible inbuying renters insurance, whether the...
Homeowners insurance does not cover squirrel damage, despite how common it is, because it’s considered preventable. Rodents: Mice and rats typically leave behind droppings to indicate their presence. You may be able to handle a rodent infestation yourself, but if the problem is severe, a ...
Each homeowners insurance policy will look slightly different depending on the coverage you choose, the add-ons you include in your plan, and where you live. If you’re considering purchasing homeowners insurance, it’s important to understand what your policy will cover. ...
there’s more to think about than the guest list and the playlist. From unexpected accidents to a guest having a little too much fun, the reality is you’re responsible for what happens on your property. And whilehomeowners insurancecovers a lot, it doesn’t always cover everything that co...