Because Insurance Shouldn't Be a Hassle
Because Insurance Shouldn't Be a Hassle
Home insurance is a contract between a homeowner and an insurance company, in which the insurer agrees to cover certain financial losses in case of damage or destruction to the home in exchange for payment of premiums. It helps to protect your home and its contents from damage or loss due to natural disasters, fire, and other covered events.
No, standard house insurance policies typically do not cover woodworm damage. Woodworm, caused by wood-boring insects, is often considered a preventable issue, and insurance policies generally exclude it. While some insurance providers may cover related pests, wood-eating bugs like woodworms…
Yes, house insurance generally covers damage caused by lightning strikes. This includes damage to the structure of your home, your belongings, and any other structures on your property, such as detached garages or sheds. However, it’s important to understand the…
In most cases, home insurance covers boilers. This is because boilers are considered a necessary part of the home. Homeowner’s insurance will cover a broken boiler under certain conditions. If the boiler is damaged by a known peril like a…
A typical homeowners insurance policy will cover chimney damage if the damage was caused by a covered peril. This includes damage from a covered loss, such as a tree falling on the chimney. However, chimneys damaged by normal wear and…
Homeowners insurance usually covers water damage from roof leaks, but there are often exceptions and conditions. For example, some policies only cover damage caused by wind or other weather-related issues. Many policies also exclude coverage for flood damage. Homeowners insurance…
Underpinning is the reinforcement of an existing building foundation. It’s needed when the original foundation is no longer strong enough to support the house. Subsidence damage is usually covered by building insurance. This means that you should be able to…
Yes, generally, homeowners insurance covers wind damage to your roof. The dwelling coverage portion of your policy typically protects the structure of your house, including the roof, from unforeseen events like windstorms, fires, hail, and more. However, the amount of…
Yes, homeowners insurance typically covers storm damage to fences, but with some important caveats. The extent of coverage is up to the limit specified in your policy. The damage to your fence is considered under additional structure coverage, and it…
Subsidence is a serious problem that can affect your home and its value. It occurs when the ground beneath your house sinks or shifts, causing cracks, tilts, and structural damage. Subsidence can be caused by various factors, such as weather,…
Coverage C in homeowners insurance is the part of your policy that covers your personal property, such as furniture, appliances, clothing, and electronics, in case of damage or theft. Coverage C can help you replace or repair your belongings if…
