Expert Advice for Homeowners Insurance

All Articles on Homeowners Insurance

Homeowners Insurance in Florida
Homeowners insurance in Florida should include coverage for hurricanes, floods, and other perils.
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Jerry
Apr 27, 2022
How to Estimate the Value of Personal Belongings for Home Insurance
Home insurers often cover the value of your personal belongings. However, this coverage is not personalized, which is why you need to know what your things are really worth.
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Jerry
Apr 27, 2022
Does Homeowners Insurance Cover Mailbox Damage?
Home insurance can sometimes cover damage to a mailbox, depending on the circumstances.
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Jerry
Apr 27, 2022
Does Homeowners Insurance Cover Sewer Line Damage?
Your homeowners insurance may not cover sewer line damage, especially if it is due to wear and tear or a problem that grew over time. Here's what you need to know about sewer line damage and insurance.
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Jerry
Apr 27, 2022
Does Homeowners Insurance Cover Bellied Pipes?
Protecting your home from a sewer backup can be tricky, especially when it comes to a sunken sewer line. Fortunately, you might be covered.
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Jerry
Apr 27, 2022
Special Personal Property Coverage Explained
Read this guide to learn everything you need to know about special personal property coverage and what it helps protect if it's on your policy.
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Jerry
Apr 27, 2022
Does Homeowners Insurance Cover Fence Damage?
Homeowners insurance covers fences in certain situations, such as trees falling on fences or storm damage. Read this guide on fence coverage to learn more.
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Jerry
Apr 27, 2022
Does Homeowners Insurance Cover Mold?
Mold removal is only covered by your homeowners insurance if the mold is a symptom of another covered damage on your policy. Read this article on mold coverage to learn more.
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Jerry
Apr 27, 2022

All Questions on Homeowners Insurance

Can you change home insurance companies?
I purchased my home last year. I have to have home insurance per my lender, but I’m not entirely happy with my current policy. Could I change home insurance companies?
Emily Maracle
Feb 02, 2022
How do you fight your home insurance company?
My home insurance company denied my claim for damage. I really believe that it should be covered under my home insurance policy. How can I fight my home insurance company?
Emily Maracle
Feb 11, 2022
Does home insurance cover black mold damage?
I noticed some mold on my basement ceiling above my washing machine and I’m afraid it could be black mold. Does home insurance cover black mold damage?
Mercedes (Sadie) Lovemore
Feb 14, 2022
Does home insurance cover water leak damage?
My water heater ruptured and now the surrounding drywall needs to be replaced. Does home insurance cover water leak damage?
Payton Ternus
Feb 10, 2022
What do I need to know about flood insurance when buying a home?
I've been checking properties against the FEMA National Flood Hazard Layer. What are the implications of the different flood zones for flood insurance?
Sophie Newman
Sep 28, 2021
Does home insurance cover death?
I am the financial provider for my family. I want to make sure they are okay if anything happens to me, and I’m thinking about my mortgage. Does home insurance cover death?
Nick Kunze
Mar 04, 2022
Does home insurance cover lost jewelry?
After coming home from vacation, we found out we were robbed. The sad thing is, I left my wedding ring at home because I didn’t want to lose it on our trip, and now it’s gone anyway. Does home insurance cover lost jewelry?
Melanie Mergen
Feb 07, 2022
Does home insurance cover cracks in a foundation?
I moved into an older home two years ago. Recently we noticed some water coming in our basement and it looks like it’s due to cracks in our foundation. We have a home insurance policy. Would home insurance cover cracks in a foundation?
Emily Maracle
Feb 02, 2022
Will my homeowner's policy cover my ATV?
Since ATV insurance in New Hampshire isn't required, will my homeowner's policy provide coverage for the ATV? What if it gets stolen or burned down in the garage?
Shannon Martin
Oct 06, 2021
Does home insurance cover wind damage to a roof?
We had a serious windstorm with hail last week. My husband noticed some missing shingles on our roof. We suspect a branch may have scraped them off, but it could be more serious. Will home insurance cover wind damage to our roof?
Bonnie Stinson
Feb 02, 2022
Where can I get tiny house insurance?
I'm building a tiny house on wheels that I can move to where I want to temporarily live. Where can I get tiny house insurance?
Eric Schad
Aug 17, 2021
How much is home and contents insurance on average?
I recently just bought my first house and am looking at home insurance policies. I came across something called “home and contents” insurance and was wondering if I needed that as well, but also what the average cost of it would be?
Andrew (Andy) Biro
Feb 21, 2022
How much does home title insurance cost?
I’ve just got off the phone with my real estate agent who’s helping me shop for a house. We were going over what I’ll need to budget for closing costs, and now I can’t remember what she said about title insurance. How much does home title insurance usually cost?
Rachel Rigolino
Feb 25, 2022
What is the average national rate for homeowners insurance?
Just out of curiosity, I want to know how much people pay for home insurance. What's the average rate for homeowners insurance across the country?
Eric Schad
Aug 13, 2021
How much is first-time homebuyers insurance?
I’m a little overwhelmed thinking about the costs associated with buying my first house. I know I need insurance. How much is first-time homebuyers insurance?
Bonnie Stinson
Feb 15, 2022
Is hazard insurance the same as home insurance?
I’m a new homeowner and I was told by my lender that I would have to purchase hazard insurance or home insurance. I’m a little confused because I thought home insurance already covers certain hazards. Is hazard insurance the same as home insurance?
Mercedes (Sadie) Lovemore
Feb 11, 2022
Can you get home insurance through the company building your home?
The company building our home is offering home insurance. It's a better rate than what other companies are offering. Is there a reason why we couldn't get insurance with them?
Emily Maracle
Sep 09, 2021
Do HOA fees increase?
I’m in the market for a condo in New York and some of the HOA fees are pretty steep. I can pay $700 a month, but I don’t think I can handle more than that. Do HOA fees increase?
Mercedes (Sadie) Lovemore
Feb 22, 2022
Can a home insurance company cancel my policy due to the age of the roof?
I just got a letter from my home insurance company stating that they were canceling my coverage based on the condition of my roof. A roofer said it still had about five more years. Can the insurance company cancel my coverage because of the roof? What do I do now?
Eric Schad
Aug 12, 2021
Will home insurance cover a water heater leak?
The water heater in my basement began leaking early this morning, and luckily, I was able to stop it before it caused too much damage. Will my home insurance policy cover a water heater leak?
Jack Walsh
Jan 20, 2022
What does excess mean in home insurance?
I was looking over my home insurance policy and noticed the word excess mentioned several times. I don’t really understand what it means. What is the meaning of excess in home insurance?
Emily Maracle
Jan 26, 2022
Is my hot water heater covered under home insurance?
My home’s hot water heater stopped working last night. I have a repairman coming over later today to take a look. However, before I pay for any repairs, is my hot water heater covered by my home insurance policy?
Jack Walsh
Jan 19, 2022
Why is my current insurance company denying a policy for my new home?
Why would my current insurance company deny a policy on my new home due to a past claim on my existing home? There was a nasty windstorm about two years ago and I had to put in a claim for my roof. It ended up being a complete tear-off and cost about $16,000. Now I am moving into a new home and my current insurance company denied coverage for my new property. I've only had one claim with them.
Shannon Martin
Jul 27, 2021
Why did my insurance company drop me for damage that has been on the house for years?
Why did the insurance company cancel my policy for the damage they have been aware of for years? The deck on the back of my house has been rotting away and the stairs aren't used anymore. No big deal; we just stopped using the back door and get to the backyard through the garage.
Shannon Martin
Jul 27, 2021
Does home insurance cover black mold removal?
I was cleaning behind my radiators and noticed some black mold between the radiator and the window. I think condensation might be causing the mold, so I’m doing what I can to prevent it in the meantime. Does home insurance cover black mold removal?
Mercedes (Sadie) Lovemore
Feb 14, 2022
How can I find the cheapest home insurance?
Where can I find cheap home insurance? I'm trying to save money and need to reduce my home insurance cost.
Emily Maracle
Jul 19, 2021
Are there child proof door knob covers?
My sister and nephew are moving in with me. My sister said I need to child proof my entire house, including my door knobs. I’ve never lived with a toddler and have no idea about any of this. Are there actually child proof door knob covers?
Emily Maracle
Mar 03, 2022
How does home warranty insurance work?
I am a new homeowner. I plan to get home insurance, but I was told I should consider getting home warranty insurance as well. How does home warranty insurance work?
Nick Kunze
Mar 04, 2022
Does my escrow pay for home insurance?
I took out a mortgage to close on my new home. My mortgage lender required me to carry home insurance and set up an escrow account on my behalf. Will my escrow account pay for my home insurance?
Talullah Blanco
Feb 03, 2022
Can I purchase flood insurance if I'm buying a house in a lower risk flood zone?
My county was previously rated as high risk through FEMA. It's being downgraded and my lender hasn't mentioned flood insurance. Am I still able to purchase it? How does it work with a homeowners policy?
Emily Maracle
Sep 09, 2021

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