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PostIf you are asking what does homeowners insurance cover, the answer is a lot. The different types of homeowners insurance provide financial coverage for dwelling damages, personal belongings, liability issues, and more. In this article, we will explore the various aspects of homeowners insurance, including what it covers, what it does not cover, how to choose...
If you are asking what does homeowners insurance cover, the ...
PostHomeowners insurance is a contract between you and an insurance company, where the insurer agrees to compensate you for damages to your home resulting from covered perils such as fire, theft, or natural disasters. It also provides liability coverage for accidents that may occur on your property. But let’s dive deeper into the intricacies of...
Homeowners insurance is a contract between you and an insura...
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PostDoes homeowners insurance cover water damage from leaking plumbing? Though water damage is a clear problem among homeowners and insurance companies alike, it’s not so clear what type of water seepage and leakage coverage is provided under your standard home policy. What about water leaks and seepage coverage? Insurance providers have divided water damage claims...
Does homeowners insurance cover water damage from leaking pl...
PostInsurance agents frequently get asked this question. And for good reason – it seems counter-intuitive that you’d have to pay more to insure a home you don’t live in, right? But you also wouldn’t want to pour all your time and income into a rental, just to have it suffer damages you would then have...
Insurance agents frequently get asked this question. And for...
PostEvery day in America, insurance agents find themselves answering this very question, and for good reason. There are a variety of factors that can contribute to the high cost of rebuilding a home. Homeowners are bowled over when a property they purchased for $200,000 is required to be insured for $300,000 or more. This is an...
Every day in America, insurance agents find themselves ...
PostFoundation damage to a home can happen at any time. Are you covered? You may be surprised when you get the answer from your insurer. Foundation damage coverage is not automatically covered on most homeowners insurance policies.Read More: What does homeowners insurance cover? In many cases, home foundation insurance coverage is excluded, and you may...
Foundation damage to a home can happen at any time. Are you ...
PostOur flood insurance articles tend to get a few more visits this time of year. After record snowfall this past winter, we’re expecting to field quite a few more inquiries about flood insurance coverage. Many insurance agents will tell you they have a hard time convincing their insured to purchase flood insurance, as many homeowners...
Our flood insurance articles tend to get a few more visits t...
PostYou may be asking yourself, like many other homeowners with a pool, “Does homeowners insurance policy cover my pool?” Having a pool is a dream for many homeowners. After all, a pool can turn the backyard into a sanctuary during the scorching summer months. However, there are some things you must consider regarding your pool...
You may be asking yourself, like many other homeowners with ...
PostOverview Public protection class and fire protection class are two terms for the same classification of a community’s fire suppression capabilities, Protection classes are determined using a 100-point scale by the Insurance Services Organization, The protection class of your home will impact your homeowners insurance rates. You’re moving out to a rural area, and you...
Overview Public protection class and fire protection class a...
PostThere are many types of homeowner’s insurance policies available to fit our unique lifestyles and needs, including plans for those who choose to rent apartments or single-family homes. Homeowner’s policies can be thought of as your personal liability insurance and the insurance for your personal and real property. They cover your home, its contents, and the occupants’...
There are many types of homeowner’s insurance policies a...
PostWhen you suffer a property loss, whether related to your vehicle or home, you expect to be indemnified, or “made whole again’ by your insurance company. This isn’t a one size fits all solution. This is where some policies can get tricky. If you skimped on coverage to save money, whether knowingly or not, you...
When you suffer a property loss, whether related to your veh...
PostIf you’ve owned a home (or two) for more than a few months, you know it can come with a lot of unexpected costs. That’s why it’s important to set aside money for things like maintenance and upkeep. But some damages can’t reasonably be paid for out of your own pocket, which is why homeowners...
If you’ve owned a home (or two) for more than a few months...
PostAnother week, another new product from Allstate, an insurer that always seems to be “innovating” in one way or another. And by innovating, we mean getting more of your money in exchange for more protection from higher insurance costs in the future. Wait, does that even make sense? Let’s break down this new homeowners product...
Another week, another new product from Allstate, an insurer ...
PostNationwide has really been at it lately with their television advertising campaign. You might recall our recent post about the Nationwide Vanishing Deductible. We like digging into companies for informational purposes. The most recent spot highlights ‘brand new belongings’ coverage on their homeowner, condo, and renters insurance policies. Let it be said that they are an insurance company...
Nationwide has really been at it lately with their televisio...
PostJust the other day we were asked if it’s OK to get landlord insurance for a home if you move out of it and wind up renting it to someone else. This particular individual was worried about doing so because their mortgage loan documents stated that they intended to occupy the home as their primary...
Just the other day we were asked if it’s OK to get landlor...
PostLet’s tackle a pretty hot topic here in the United States. The more the spotlight focuses on gun ownership, the more questions will pop up here at TTAI about guns and insurance. Lots of people either own a gun in their home or at least their household members do. But even long-time gun owners have...
Let’s tackle a pretty hot topic here in the United States....
PostLiberty Mutual is now offering its “Home Protector Plus™ program” (Liberty Mutual Home Protector Plus form fmho-1183), which, after careful review, is a home insurance policy that offers the same basic types of homeowners insurance as just about every other standard home insurance company in the United States. Through Home Protector Plus, Liberty Mutual offers...
Liberty Mutual is now offering its “Home Protector Plus™...
PostOwning a trampoline is a blast, except when it comes to insuring it. It doesn’t take a Rocket Science degree to recognize that there is an inherent danger in bouncing 15 feet above the ground in a relatively uncontrolled manner. Anyone who has ever jumped on one of these puppies for more than one continuous...
Owning a trampoline is a blast, except when it comes to insu...
PostInsurance Q&A: “What is a time deductible?” Most of us are familiar with the concept of an insurance deductible. Whether it’s the co-pay on a health insurance policy, the wind and hail deductible on a homeowner’s insurance policy, or the comprehensive and collision deductible on an auto policy, we are expected to share in the...
Insurance Q&A: “What is a time deductible?” Most of ...
PostInsurance Q&A: “What is actual cash value homeowners insurance?” Actual cash value (ACV) is a loss settlement method designed to pay no more than the depreciated value of your home (and likely your personal belongings) in the event of a loss/claim. Ultimately, if you suffer a property loss, the insurer will pay the cost to repair or replace...
Insurance Q&A: “What is actual cash value homeowners i...
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