Sayan Dutta

Yes, your homeowner’s insurance will likely cover broken windows, but only if the damage was caused by a covered peril. This means that the event that caused the broken window must be listed in your policy as something that is…

No, house insurance typically does not cover arson. This means if your home is damaged by a fire intentionally set by someone, your insurance company will likely deny your claim. Understanding Arson and Home Insurance Defining Arson Arson is the…

Many homeowners believe their insurance policies offer comprehensive protection, but they might be surprised to discover hidden gaps that leave them vulnerable to significant financial losses. Understanding these common shortcomings is crucial to ensuring your home and belongings are adequately…

Yes, house insurance typically covers water leaks caused by sudden and accidental events. However, there are some exclusions to this coverage. Understanding Homeowners Insurance Coverage for Water Damage Homeowners’ insurance policies generally provide coverage for water damage caused by sudden…

Yes, house insurance typically covers damage to your home and belongings caused by wildfires. This includes damage caused by the fire itself, as well as damage caused by smoke, heat, and water used to extinguish the fire. Understanding Wildfires and…

Yes, in most cases, homeowners insurance covers fallen trees. However, the specifics depend on the cause of the fall, the damage caused, and the details of your individual policy. Let’s delve deeper into what’s typically covered and the factors that…

No, standard homeowners insurance typically doesn’t cover flooding. While it might seem counterintuitive, home insurance primarily protects against unexpected events like fire, theft, or vandalism, not natural disasters like floods. This distinction is crucial, as both homeowners and insurers rely…

Yes, homeowners insurance typically covers dog bites under both liability and medical payments coverage. This means your insurance will generally pay for the victim’s medical bills and any legal expenses incurred if your dog bites someone and you’re found liable,…

Yes, homeowners insurance covers foundation damage, but with some important caveats. Understanding these nuances can save you time, money, and stress when dealing with a cracked or crumbling foundation. Factors that Can Affect Foundation Damage Several factors can damage your…

Yes, house insurance typically covers the theft of personal property from your home. This coverage is typically included in your policy’s personal property coverage. However, there are some limitations to this coverage, such as limits on the amount of coverage…