Homeowners Insurance

Find articles about home-insurance-related topics, including types of coverages, how home insurance works, and what you need to know about filing a claim.


Renters Insurance Deductibles: How Do They Work?
Renters Insurance Deductibles: How Do They Work?

Part of choosing the best renters insurance policy is choosing what deductible is right for you. A deductible is an amount you pay out of your pocket when a claim is made on your renters insurance policy. If you have a high renters insurance deductible, it lowers the price of your monthly premium. The choice […]

UPDATED: NOVEMBER 09, 2022 | 1 MIN READ

How To File a Renters Insurance Claim
How To File a Renters Insurance Claim

A renters insurance policy has two main benefits: coverage for personal property and a renter’s liability. If you have liability coverage, it will protect you if someone is injured on your property. If you have a loss, it’s important to know how to file a renters insurance claim. What Does Renters Insurance Cover? A renters […]

UPDATED: NOVEMBER 08, 2022 | 3 MIN READ

How to File Insurance Claims for Bathroom Flooding
How to File Insurance Claims for Bathroom Flooding

A leaky or burst pipe can result in a flood in the bathroom. You must know how to handle a flood situation so that you and your family stay safe and healthy. This article will cover the steps to take after a flood, including how to clean up and what to do with your ruined […]

UPDATED: NOVEMBER 02, 2022 | 2 MIN READ

What is Other Structures Coverage or Coverage B
What is Other Structures Coverage or Coverage B

Some standard homeowners insurance policies don’t cover other structures on your property, such as detached garages or sheds. The dwelling coverage typically refers to the structure of your home. You may want to purchase other structures coverage, sometimes called Coverage B, which is designed to insure those not part of the main dwelling. This article […]

UPDATED: OCTOBER 21, 2022 | 1 MIN READ

What You Need To Know About Flood Insurance For Renters
What You Need To Know About Flood Insurance For Renters

Flood coverage is essential to renters as it covers personal property damaged due to flooding. Flood damage is not typically covered under renters insurance, so you must add it to your policy. FEMA (Federal Emergency Management Agency) or a private flood insurance company can add flood insurance to your renters insurance policy. FEMA’s National Flood […]

UPDATED: OCTOBER 18, 2022 | 1 MIN READ

Wildfire Insurance: What You Need To Know
Wildfire Insurance: What You Need To Know

With record-high temperatures and drought conditions on the rise, more than 4.5 million US homes fall under high or extreme risk of wildfire, according to Verisk Analytics. Fortunately, homeowners can protect themselves from these natural disasters’ financial impact with the right home insurance policy. Here’s a breakdown of wildlife insurance, how it works, and how […]

UPDATED: SEPTEMBER 28, 2022 | 2 MIN READ

Liability Insurance: What You Need To Know
Liability Insurance: What You Need To Know

Liability insurance, also known as third-party insurance, provides coverage if you’re responsible for injury/damage to another person or their property. Its main purpose is to provide financial assistance to those who are legally obligated to pay money towards a lawsuit for an incident they were directly responsible for. Personal liability insurance is a standard portion […]

UPDATED: SEPTEMBER 27, 2022 | 1 MIN READ

Home Actual Cash Value vs. Replacement Cost
Home Actual Cash Value vs. Replacement Cost

The next time you find yourself examining the declarations page of a home insurance policy, be sure to read the fine print to learn about how you would be reimbursed in the future for property loss.  Generally, on the declarations page of an insurance policy, it will explain whether your specific policy covers the Replacement […]

UPDATED: SEPTEMBER 27, 2022 | 2 MIN READ

Does Home Insurance Cover Asbestos Removal
Does Home Insurance Cover Asbestos Removal

If you’ve been told that your home has asbestos behind the walls or under the floors, you want to consider your options for removal or containment. Breathing in asbestos fibers aggravates lung tissue, causing scarves and many breathing disorders. Eventually, a person might also develop mesothelioma, deadly cancer along the lung tissue. Because asbestos can […]

UPDATED: SEPTEMBER 27, 2022 | 1 MIN READ

How To Get Insurance For Your Home Business
How To Get Insurance For Your Home Business

Looking to your homeowners insurance to help you when problems arise in your home business seems natural. After all, you’re at your house, right?  In specific situations, homeowners insurance will protect your home business, but it’s not automatically included in a standard policy.  Like any other business, a home-based operation requires insurance to protect its […]

UPDATED: SEPTEMBER 27, 2022 | 2 MIN READ