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, house insurance does not cover rodent damage in most cases. Rodents, such as rats, mice, squirrels, and chipmunks, can cause significant damage to your home and belongings. They can chew through wires, pipes, insulation, wood, furniture, and clothing. They…
Yes, house insurance or homeowners insurance can cover lost jewelry, but only up to a certain limit and under specific circumstances. If you have valuable or sentimental jewelry that you want to protect, you may need to increase your coverage…
Yes, homeowners insurance typically covers wind damage. Most standard policies include protection against high winds, including damage caused by storms, tornadoes, and hurricanes, to your home’s structure and belongings. However, understanding the specifics of your coverage and limitations is crucial.…
No, standard house insurance does not cover sinkholes. Sinkholes are natural phenomena that occur when the ground collapses due to erosion, water drainage, or other factors. They can cause severe damage to your property and pose a risk to your…
Yes, house insurance typically covers damage caused by many natural disasters. However, it’s important to understand what types of disasters are covered and the specific limitations associated with each coverage. What Disasters Are Typically Covered by Homeowners Insurance? Here are…
Yes, but with limitations. Home insurance policies typically cover mold damage only if it results from a covered peril, such as sudden and accidental water damage from a burst pipe or a roof leak. However, many factors can determine whether…
Yes, homeowners insurance typically covers tree damage, but with limitations. This means your insurance policy may help pay for repairs if a tree falls on your house or other covered structures, such as a garage or shed. However, there are…
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…
