Most Home Insurance policies don’t cover damp issues. This is because damp problems are considered maintenance problems and gradual deterioration. However, some insurance providers may offer separate coverage for growing damp. Understanding Damp What is Damp? Damp is the presence…

Pets are part of the family, but they can also cause damage to your house. Whether it’s chewing on furniture, scratching the walls, or urinating on the carpet, pet damage can be costly and frustrating to deal with.  Generally, standard…

No, standard house insurance policies typically do not cover earthquake damage. Earthquakes are considered separate perils, and specific coverage needs to be added to your policy for protection against them. This means that while your house insurance might cover you…

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…