Insurance Advice

Termites are one of the most common pests in the United States. They can cause damage to houses, making it difficult for homeowners to sell their properties. Insurance companies often offer policies that cover termite damage. However, homeowners should know that these policies typically have exclusions and limitations. Does Home Insurance Cover Termite Damage? Home […]

UPDATED: JULY 06, 2023

Homeowners insurance covers the structure of your home and items inside it in case of an accident or disaster. It also provides coverage for other structures on your property, such as a detached garage or shed. Sometimes, you may find yourself in a situation where you need to switch from your current company. Read on […]

UPDATED: AUGUST 07, 2023

There are many things that homeowners insurance does not cover. Flooding is one of them. Homeowner insurance policies usually don’t cover flooding because it’s an “act of God.” However, some states have passed laws requiring insurers to provide coverage for flood damage. If you get flooding, you should check with your state’s Department of Insurance […]

UPDATED: JULY 06, 2023

Smoke damage is one of the most expensive and damaging kinds of damage in your home. Smoke can cause serious issues with your property, and it can be challenging to determine if your insurance covers smoke damage. This article will explore how homeowners insurance covers smoke damages and what you need to do if you […]

UPDATED: APRIL 19, 2023

Slab leaks can cause structural damage to the building and lead to expensive repairs. Slab leaks are often excluded from homeowners insurance policies because they happen outside the building. However, homeowners insurance policies cover some of these damages caused by an act of nature or a covered peril such as fire or windstorm. What Causes […]

UPDATED: AUGUST 07, 2023

A sewer backup can create havoc in a home, causing thousands of dollars in damage to flooring, furniture, walls, and electrical systems and potentially creating a serious health risk. And unless you have specific sewer backup insurance added to your homeowner policy, that damage is uninsured.  For most Americans, the risk of a city sewer […]

UPDATED: APRIL 19, 2023

A septic tank system processes wastewater from lavatories, showers, and basins. They’re for residences on rural lands without access to a municipal sewer system. They function as storage tanks for wastewater and solid waste. But does your standard homeowners insurance cover septic tanks? Read on to learn more. Does home insurance cover septic tanks? A […]

UPDATED: AUGUST 25, 2023

If your home is not protected from flooding, the water damage can devastate your house’s structure and contents. When looking for insurance coverage for rainstorm flooding, you first need to determine what kind of home insurance policy you need. Two main types of insurance can be used to cover rainstorm flooding: homeowners insurance and flood […]

UPDATED: JULY 06, 2023

Pool leaks are a common problem in many homes. Any number of things, including poor construction, equipment malfunction, or weather damage, can cause them. The question is: does homeowners insurance cover pool leaks? Most homeowners insurance policies don’t cover the cost of repairing pool leaks. This is because most policies only cover flooding and overflow […]

UPDATED: JULY 18, 2023

On average, homeowners with swimming pools pay $2,635 more annually for insurance. A pool raises your home insurance because pools are a liability. They’re a potential hazard for children and adults alike. The more expensive the pool, the higher the premium. The amount it will raise your home insurance depends on various factors such as […]

UPDATED: AUGUST 07, 2023