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Home Insurance


I live with another person who owns their home. Can I get insurance to protect my property? I have quite a bit of electronics, appliances, hot tub, etc, and I don't want to suffer a loss in case of fire, theft, etc.?
Renters insurance is the perfect way to do that.

Whereas homeowners insurance covers the person who owns the home against damage or disaster, ... More
 
How can I cancel or change my renters insurance?
The best way to make a change to your renters policy is to contact the agent or insurance company that sold it to you. They will have insight into what you need and can pull up your existing policy to see where you're lacking or overlapping coverage, based on what you already have. ... More
 
When purchasing a home, does the home insurance need to be in place prior to closing on the home?
Yes, most (if not all) lenders require that you have homeowners insurance in place before closing. ... More
 
If a tree in my yard falls on neighbor's roof, does my insurance pay for the damage? What if a tree is ready to fall down on my house? Will my insurance company pay to remove the tree?
It depends. If the tree is clearly dead, old and/or structurally compromised, it’s your responsibility to deal with it.

If it falls on your neighbor’s roof before you are able to have a tree removal service take care of it, your policy’s liability coverage might pay for the damage to the neighbor’s house, but I wouldn’t count on it. ... More
 
What type of insurance do I need if I am renting out my house?
If you're leasing out your house, you're still responsible for protecting it with landlord insurance, a type of homeowner's plan that covers the dwelling, ... More
 
Do I need to buy separate home insurance for a vacant house?
If you would like to have peace of mind while you are away from your home, the answer is yes. Your home insurance policy does not provide protection for your vacant house against any risk of loss. What you will need to do is purchase a separate policy in the form of vacant home insurance. ... More
 
Is the tenant or landlord responsible for damages in an apartment fire?
Both the tenant and the landlord have their specific responsibility in providing insurance protection (and subsequently, damages) as a result of a fire in a rental home or apartment. This means that both the tenant and the landlord have their particular responsibilities and rights when a fire occurs. ... More
 
Is antique furniture included in property insurance?
A property insurance product such as a homeowners insurance policy will have limited coverage for your antique furniture. That means that the insurance will cover the property up to the prescribed per item limit. ... More
 
Does home insurance cover fire?
Fire is one of the most common home owner causes-of-loss and as such, it is covered by every type of home insurance policy. Fire and lightning are among the perils named in the insuring agreement of even the most basic type of home insurance. ... More
 
Will homeowners insurance repair structural issues due to a poor builder?
No, the homeowners insurance will not pay if the house suffers from structural damage that is caused by a poor builder. The homeowners insurance policy will expressly exclude damage due to faulty workmanship and construction. ... More
 
Does insurance cover other living arrangements while the roof or structural part of home is being repaired?
If your homeowners insurance has a loss of use cover, then yes, the insurance will cover the cost of alternative living arrangements while the roof or a substantial part of the house is being rebuilt or repaired. ... More
 
If your house is sinking, will homeowners' insurance cover it?
Sadly, homeowners insurance will rarely cover earth movements such as a sinking house, except for Texas or Florida, where earth movements coverage may be mandated. ... More
 
Does homeowners insurance cover all residents of the home?
Let's delve into the details and know what the term "insured" means in a standard homeowners insurance policy to determine what makes a qualified resident. The insured includes you (the person who bought and owns the policy) as well as people who live in your home: ... More
 
Does homeowners insurance cover lost jewelry like wedding ring?
No, the standard homeowners insurance will not mostly cover jewelry, particularly expensive jewelry.

On paper, the homeowners insurance has a certain provision for personal property coverage and will provide coverage for your wedding ring. However, when it comes to claiming for the loss of such an expensive item, this coverage is not substantial and may not be able to cover the entire cost of t ... More
 
How does having a swimming pool affect homeowner's insurance?
Insurance companies consider the pool as an additional risk - it's really a liability magnet. The potential for lawsuits by other people you invite into your house and into your pool is great, especially if you are into pool parties and have children who love having their friends over for a swim. You are even held responsible for bad events that happen even to people who aren't invited! Yes, if so ... More
 
What is the difference between hazard and home owners insurance?
These two are often confused with each other as they cover similar things, but there are also differences between the two. ... More
 
What do all those home insurance abbreviations mean?
If you're confused by the seemingly cryptic abbreviations associated with home insurance, don't be. Ranging from HO-1 to HO-8 (in most states), home insurance abbreviations generally refer to the level of coverage the insurance policy offers from perils, as well as the type of dwelling insured. ... More
 
  
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