No, home insurance generally doesn’t cover rodent damage because rodent or insect infestations are considered preventable and are usually caused by neglect or failure to properly maintain the property. However, … Read more

As a property owner, knowing what is and isn’t covered by your homeowners’ insurance policy is important. So, does homeowners insurance cover lightning damage?  Lightning damage is considered a peril, … Read more

Your home is your largest investment, a place where you rest from work, raise your family, and build equity. As such, when going through the home-buying process you purchase homeowner’s … Read more

One of the most basic risks that homeowners face is vandalism to their property. You may be aware that homeowners insurance covers other standard pitfalls, like fire, hail, or theft. … Read more

C.L.U.E. or (Comprehensive Loss Underwriting Exchange) is identified as a claims history database operated by consumer reporting agency LexisNexis which makes it possible for insurance agencies to view consumer claims … Read more

A peril is an occurrence, such as a fire, hurricane, or robbery, that damages your home or possessions. The perils which your homeowners insurance covers are listed in your insurance … Read more

The job of a home insurance adjuster is to look for any type of structural damage to your main residence, but other types of potential losses, for instance, a damaged … Read more

Yes, home insurance covers smoke damage to your house from a wide variety of causes.

While flat deductibles for home insurance range from $500 to $2000, some companies use percentage deductibles which can be as high as several thousands of dollars.

This type of homeowners insurance is a way of providing some extra protection for the homeowner. It is an optional type of insurance addendum that pays the entire cost of … Read more

The fact of the matter is that homeowners insurance claims are denied daily. Usually, this is done in an above-board, valid manner, although occasionally it is the result of an … Read more

Aggregate exposure management is a term that sounds intimidating but really isn’t. What exactly it means is this. This is a limit contained in an insurance policy declaring the most … Read more

Fires represent some of the most damaging situations that a homeowner can face. Not only is the fire itself destructive, but the smoke released from even a mild fire can … Read more

Have you ever wondered what would happen if you took your dog out for a walk, and it bit someone? The exact consequences can vary by state, however, in many … Read more

Storms are not fun for homeowners. Sure, rain can be tranquil and serene, but it can become a massive nuisance to the homeowner, especially if the storm is a rough … Read more

The winter season brings many things with it – colder weather, fun holidays, and long nights. Oftentimes, it can also bring headaches for a homeowner in the form of freezing … Read more

Out of all the places where you can expect water damage, the basement is the most obvious one. Located at the lowest point in the house, it is a natural … Read more

Few things are worse than being subjected to burglary. Not only can it be traumatic to have your possessions rifled through, but then you have the added stress of replacing … Read more

Learn how State Farm home insurance treats roof leaks.