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...
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 protects the money you have invested in your home. Your policy will not keep bad things from happening to your home. It will not pay to maintain your home, and it won’t and shouldn’t pay for every home repair you need. If you want protection against large repair b...
Note:This isn’t a universal list of endorsements and these options will not necessarily be offered by every provider in the home insurance industry. Check with your provider for more details. What Homeowners Insurance Does Not Cover? Two things that homeowners insurance often does not cover are...
Homeowners insurance can also reimburse you for theft or vandalism of your belongings. But a homeowners policy doesn’t just cover your house and your stuff. It can also pay to defend you from lawsuits or cover medical bills for someone who gets hurt on your property. And if you can’t ...
Don't you think a lot of people would appreciate this clarity and security -- and opt for the upgrade? "Exclusions: What We Do Not Cover" One day I received an updated policy from my insurance company in the mail and I decided to spend a little time reading. I wanted to find out...
EILEEN MOZINSKI Schmidt
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...
However, your standard policy isn't a magical shield against all party-related risks. There are several scenarios where you might find yourself without coverage—namely, alcohol-related incidents. Many homeowners insurance policies have strict limitations when alcohol is involved: If a guest becomes ...
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 ...