Home insurance ensures that your house is protected in the instance that someone is injured in your home or on your property, and if they seek legal compensation. In short, this insurance covers a lawsuit if someone gets hurt in or on your home, or around the house. It’s smart to prot...
Homeowners insurance covers a variety of situations, including: Fire 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, app...
Homeowners insurance generally covers you if your dog bites someone inside or outside your home. This would fall under Coverage E (Personal Liability) or Coverage F (Medical Payments). Your policy also covers you if your dog causes damage tootherpeople or their property (not your own). When ...
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 homeo...
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...
Landscaping -- trees, shrubs, and bushes on your property -- is covered at the rate of 5 percent of your house insurance. Valuable belongings likecoin or stamp collections, jewelry, or furs are insured, usually with a limit on the dollar amount. ...
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 ...
Renters insurance covers your personal property if it is damaged or stolen, medical and legal bills if you are found liable for damaging someone’s property or injuring them, and temporary living expenses if your rental home is currently uninhabitable.
A home insurance non-renewal doesn’t mean you’re out of luck. There are steps you can take to find coverage, even if you live in a high-risk location.
HO-4, more commonly known as renters insurance, covers your personal property at its replacement cost, living expenses if the property you rent becomes inhabitable, and in some cases liability. Renters insurance covers the same 16 named perils previously mentioned. ...