Parents with homeowners insurance policies can rest assured that their coverage extends to the apartments and even dorm rooms rented by their college student kids. However, for independent students and … Read more

Homeowners insurance can be a lifesaver when it comes to protecting your home and its contents. But what happens when you need to mitigate radon gas? Does homeowners insurance cover … Read more

Though septic tanks technically sit outside your home, they are covered as part of its structure. They serve as an integral part of your plumbing and are essential to the … Read more

While you must foot the costs of renovating your home, the value of those renovations is covered under your homeowners insurance policy, provided they were damaged or destroyed by a … Read more

Yes, homeowners insurance policies renew automatically, so you need not worry about them being canceled if you forget that the policy is about to expire. Insurance companies typically send notification … Read more

Homeowners insurance policies pay for any property covered under your policy damaged or destroyed by a covered peril. For example, air conditioning counts as property covered as long as it … Read more

If you’re like most people, you probably don’t think about home insurance until something bad happens. And if something bad does happen – like a big storm that causes water … Read more

If you are in the process of moving, you may be wondering if your homeowners insurance policy will cover any damage that is done to your belongings. The answer to … Read more

If you’re like many people, you may have invested in hardwood floors for your home. They are a beautiful and timeless addition to any space, and they can add value … Read more

If you’ve ever had a frozen pipe burst in your home, then you know just how costly and devastating water damage can be. The good news is that most homeowners … Read more

Power outages can cause damage to your home and personal belongings. Any part of your structure or personal property impacted by a power outage may be eligible for coverage under … Read more

Homeowners insurance policies cover HVAC replacement or repair only if the equipment sustained damage from a covered event. Commonly covered events include storms, fires, and burglary. HVAC repairs due to … Read more

In many cases, homeowners insurance companies pay to repair or replace retaining walls. The policy must not explicitly exclude retaining walls to be eligible for coverage. Additionally, most policies require … Read more

Yes, homeowners insurance covers fallen tree damage and removal in many cases. For example, if lightning strikes a tree and it falls and lands on a covered structure, your homeowners … Read more

The answer depends on the insurance company. Some homeowners insurance providers increase premiums when a policyholder adds solar panels. Others raise premiums indirectly: the solar panels increase the home’s value, … Read more

Homeowners policies cover water leaks that occur suddenly, whether in the home’s underground or above-ground piping; however, slow leaks are excluded as maintenance issues.  In addition, the damage must come … Read more

Unfortunately for homeowners whose properties are swarmed by bees, most insurance policies exclude damage from insect infestations, including carpenter bees. Infestations count as a maintenance issue rather than a covered … Read more

As with most things “insurance,” the answer is it depends. A standard homeowners policy covers water damage from rain that comes into your home due to a covered peril, such … Read more

We all want to do our best to protect our home from outside damage and for the most part, it’s easy to guard against potential damage. However, if you happen … Read more

How much condo insurance you need depends on what your H.O.A. (Homeowners Association) covers, structural rebuilding costs, the value of your personal property, the value of your assets, and whether … Read more

The answer depends on whether you are the primary policyholder. If so, you need to contact the insurance company and present it with a copy of the divorce decree. The … Read more