As a homeowner there are many different reasons why a contractor or worker may need to enter your home and perform a service. If a contractor is hurt while on the … Read more

The goal of home insurance is to cover your home and the assets inside of it. The amount of coverage for garages under home insurance depends on several factors including … Read more

When people are in the market for a home and they finally find the one that they want to spend their lives in, they will often take a mortgage on … Read more

The odds are that your jewelry ranks right up there with your most expensive possessions. As such, you need to be certain that you will be reimbursed in case of … Read more

When you finally find the perfect home for you and your family, all you want to do is get moved in, get settled, and start integrating your life and your … Read more

Understanding what your home insurance does and does not cover is an essential part of owning a property. Does homeowners insurance cover a rotting deck? The answer to that is … Read more

You walk into the kitchen to make your usual morning pot of coffee. You turn your sink on, but you notice that the water pressure seems weak, or that the … Read more

Every property has a level of damage risk associated with them, and for property owners, mitigating these risks sound like the prudent thing to do. This is why insurance policies … Read more

Ductwork is part of your HVAC system, and home insurance excludes repairs and damage to it unless caused by a covered peril. Covered perils consist of sudden, accidental events that … Read more

Most homeowners insurance policies cover gas leak explosions. Also, they pay for gas line repairs that result from a covered peril, such as a storm, fire, or lightning. Though homeowners … Read more

The liability coverage contained in your homeowner’s insurance policy does cover lost wages if someone suffers injury on your property or you are liable for an off-premises injury eligible under … Read more

Dog owners bear responsibility for damage done to a car if their pet runs into the street, is struck, and damage to the vehicle results. This legal reasoning rests on … Read more

Home insurance policies cover damage that happens suddenly and accidentally. However, tree trimming relates to neither a sudden or accidental occurrence that results in damage to a covered part of … Read more

Homeowners insurance covers damage and repairs for plumbing that belongs to the dwelling. For instance, pipes located throughout the home and underneath it are covered. However, outside plumbing that is … Read more

Homeowners insurance doesn’t cover powder post beetle damages. As with damage from other pests and vermin, the destruction wreaked by powder post beetles is classified as a maintenance item; therefore, … Read more

When a covered peril renders your home uninhabitable, your homeowners insurance company pays for temporary housing while it works to restore your home to its former condition. Imagine a tornado … Read more

Homeowners insurance covers wind damage to siding in most cases. Insurance companies classify most wind damage cases as a covered peril. A covered peril is damage that your insurance policy … Read more

Homeowners insurance covers gutter replacement when they are damaged or destroyed by a covered peril, such as a storm, fire, or theft. However, when gutters wear out due to age … Read more

Most freezer failures result from mechanical causes, such as worn or defective parts. Homeowners policies provide no coverage for mechanical breakdowns. However, if a covered peril caused the failure, such … Read more

Over time, pipes corrode and need replacement. This type of expense falls into the maintenance category: As with all parts of a home, they eventually exceed their useful life and … Read more

Homeowners insurance provides no coverage for catalytic converter theft because the pilfering of this item is categorized as an auto-insurance issue. Catalytic converters are key vehicle components located on the … Read more