Author: Sayan Dutta

Home insurance typically does not directly cover expenses related to working from home, such as liability or equipment protection. However, if you’re using company-owned equipment like a laptop or phone, it’s usually covered by your employer’s insurance. For your own business equipment, you might need to consider additional coverage options. MORE THAN Standard or Extra contents insurance, for instance, might cover clerical business equipment that you own. Understanding Home Insurance Coverage for Working from Home Different Types of Home Insurance Coverage Homeowners insurance primarily safeguards against damages and losses related to personal property and activities. However, when it comes to…

Legal cover on house insurance is an optional add-on that covers the legal expenses you may incur in certain situations. It can help you deal with issues such as employment disputes, contract disputes, personal injury, and property protection. In this article, we will explain what legal cover on house insurance is, what it typically covers, how it works, and whether it is worth it. What is Legal Cover on House Insurance? Legal cover on house insurance is an extra feature that you can add to your home insurance policy for an additional cost. It covers the legal costs of pursuing…

Renters insurance typically does not cover damage to the structure of the rented house caused by a tree falling on it. The responsibility for repairing the home’s structure generally falls under the landlord’s property insurance policy. However, renters insurance may cover damage to the renter’s personal belongings inside the home due to the incident. Coverage Provided by Renter’s Insurance Renters insurance typically consists of three main types of coverage: personal property coverage, liability coverage, and additional living expenses. Personal property coverage pays for the repair or replacement of your belongings, such as furniture, clothing, electronics, and appliances, if they are…

Homeowners’ insurance generally does not cover blocked toilets or drains. While it may cover accidental damages that result in clogged drains, routine maintenance issues like blockages are typically not included in standard policies. If you experience a blocked toilet or drain, you will likely need to cover the repair costs yourself. However, you can explore options to add coverage for specific issues like overflowing sewer damage to your policy to protect against such incidents. Types of Plumbing Problems Covered by Home Insurance Home insurance policies typically cover plumbing problems that are sudden, accidental, and unforeseen. This means that the problem…

Yes, generally, house insurance covers tornado damage. Most standard homeowners insurance policies include coverage for wind and hail, which are the primary causes of damage from tornadoes. However, it’s crucial to understand the specifics of your policy and potential limitations to ensure adequate coverage. Understanding Tornado Coverage in Home Insurance What is Covered Under a Standard Policy: Dwelling coverage: This protects the structure of your home, including repairs or rebuilds due to tornado damage. Personal property coverage: This covers belongings inside your home damaged or destroyed by a tornado. Additional living expenses coverage: This reimburses you for temporary housing and…

If a tree falls on your neighbor’s property, your neighbor’s insurance company is usually responsible for the damages. However, if the tree was rotting or clearly damaged, your neighbor could try to prove you were negligent by not removing it. In that case, your insurance company might have to pay. In the event that your tree topples onto your neighbor’s property as a result of a storm or another insured event, the damage to their property or personal possessions is covered by their house insurance. Liability coverage is the component of a house insurance policy that would typically cover the…

No, House insurance typically does not cover damage to your car. However, there might be some exceptions. While homeowners insurance won’t generally cover damage to the vehicle itself, it may provide coverage for personal items stolen from it. Car insurance policies are typically the ones that cover vehicle repairs, especially if you have collision insurance. Nonetheless, auto policies usually won’t pay for property damage directly. So, in short, your house insurance won’t cover damage to your car. Who Pays for Car Damage to Property? The person who pays for the car damage to your property depends on who is at…

Yes, house insurance can cover damage to a neighbor’s property, depending on the cause and extent of the damage, and the terms and conditions of your policy. However, not all types of damage are covered, and there may be some situations where you or your neighbor will have to bear the cost of repairs. What Neighbor Damage Does Home Insurance Cover? Home insurance typically covers damage to your neighbor’s property caused by: Fire and flood: If a fire or flood originates from your property and spreads to your neighbor’s property, your home insurance may cover the damage to both properties,…

Home contents insurance covers a range of items within your household, including electrical goods, furniture, jewelry, sports equipment, clothing, and even pedal cycles. This type of insurance acts as a backup plan in case any of these items are damaged or stolen. In such situations, the insurance company will either replace or repair the damaged item or provide you with a cash amount equivalent to its replacement value. It’s a comprehensive coverage that ensures your valuable possessions are protected against various risks. Understanding Household Contents Insurance Definition of Contents Insurance Contents insurance is a policy that pays you a sum…

No, standard homeowner’s insurance does not cover damage caused by war.Insurance policies, including those for homes, often have exclusions for war, terrorism, and related perils. This means that if your house is damaged or destroyed due to war, the insurance coverage may not apply. The exclusions typically extend to damages caused by acts of war, invasions, insurrections, riots, strikes, and terrorism. It’s essential to carefully review the terms and conditions of your policy to understand the specific exclusions related to war. What is War Risk Insurance? War risk insurance is a separate policy offered by specialized insurance companies or through…