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Expert Advice for Homeowners insurance

All Questions on Homeowners insurance

Does home insurance cover air conditioning?
Our central AC has gone out and summer is right around the corner. Will our home insurance policy cover our house’s air conditioning?
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Payton Ternus
Will home insurance cover a new roof?
A tornado came through my town, and a huge tree branch fell through the roof of my house. The contractor said they will need to replace the entire roof. Will my home insurance policy help cover the cost of a new roof?
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Payton Ternus
Can I insure a home I don’t own? Can I insure a home I don’t own?
I found out my parents canceled their home insurance policy after they finished paying their mortgage. I want to make sure they are financially protected in case their home is damaged or destroyed. Can I insure a home if I don’t own it?
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Talullah Blanco
Can you get flood insurance on a mobile home?
My husband and I live in our RV full time, and we’re getting ready to move to Florida. The weather is much different from our current home in Boston, so we’re not entirely sure what will be covered by our mobile home insurance. Will we be able to get flood insurance for our mobile home?
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Payton Ternus
How much is home insurance in Utah?
My grandfather told me he’s going to give me one of the homes on his property in Utah as a 30th birthday present. I’m not sure if I’ll be able to afford it. I’ve figured out most of my budget, but how much is home insurance in Utah?
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Jack Walsh
What do you do if your home insurance drops you?
I recently got notified that my home insurance company was canceling our policy because of too many water-related claims. What do you do if your home insurance drops you?
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Mercedes (Sadie) Lovemore
How long do home insurance claims stay on your record?
I recently purchased a new home and need an updated home insurance policy. The policy for my new house is a lot more expensive than the policy for my old house. I think it might be because I made a few claims in the past. How long should I expect the claims to affect my home insurance for?
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Jack Walsh
Does home insurance cover ductwork?
The ductwork in my house is getting a bit old, so the HVAC system isn’t running as well as it used to. Will my home insurance cover ductwork?
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Jack Walsh
Does home insurance cover rodents?
When my wife and I got back from vacation, we quickly realized we have some new roommates. Will my home insurance cover a rodent infestation?
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Jack Walsh
How much does home insurance cost in a flood zone?
I live in Mississippi and the house I just moved into is in an area that experiences flooding. I’m trying to figure out my homeowners insurance. How much will home insurance cost in a flood zone?
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Andrew (Andy) Biro
What should I do if my home insurance denies a claim?
My home was recently vandalized. I filed a claim with my insurance company and they denied it. I received a letter in the mail explaining their reasoning, but to my understanding, the claim should be covered under my home insurance policy. I can't afford to cover the cost of repairs without a payout. What should I do after my home insurance denies my claim?
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Talullah Blanco
Are my solar panels covered by home insurance?
I recently installed solar panels on my home. My home insurance is set to renew next month, but I want to make sure I have the right coverage. Will my home insurance cover my solar panels?
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Emily Maracle
Does home insurance cover a water main break?
We’re building a patio in our backyard. We had to do some digging to move around our garden and level out the ground. While doing this, we accidentally hit a water main and it broke, causing my basement to flood. Will my home insurance cover a water main break?
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Emily Maracle
Does home insurance cover carpet damage?
My washer somehow overflowed and flooded the first level of my home. While the damage wasn’t terrible, I’ll need new carpet. Will my home insurance cover the carpet damage?
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Emily Maracle
Does home insurance cover frozen pipes?
A huge winter storm just hit, and all of our pipes froze. We did everything we could to prevent the freezing and attempted to thaw them safely, but two still burst. Does home insurance cover our frozen pipes?
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Emily Maracle
What factors will affect the cost of home insurance?
My wife and I are looking to buy our first house. We’re trying to decide on a few things like location, kind of house, and budget. Home insurance is a big part of our budget planning. What are some factors that will affect the cost of our home insurance?
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Payton Ternus
Is home insurance tax deductible?
I’m in the process of filing my taxes. As a new homeowner, I’m hoping to claim some of the expenses I’ve incurred. Is homeowners insurance tax deductible?
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Mercedes (Sadie) Lovemore
Does home insurance cover a new roof?
The roof of my house is getting older, and I’m ready to get it replaced. With the cost of the repairs being so high, it’s time to just start fresh. Does my home insurance cover the cost of a new roof?
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Payton Ternus
What is recoverable depreciation on home insurance?
I’m about to sign my homeowners insurance contract but I just noticed an odd term: “recoverable depreciation.” It seems like that will impact the amount of money I’d get when I file a claim. I want to make sure I understand everything before signing on. So, what is recoverable depreciation on home insurance?
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bellina gaskey
Will home insurance cover my AC unit?
I live in Florida, where summers can be…well, miserable. My AC unit just about croaked last year due to age, and I’m hoping to replace it before it gets hot again. It would be nice if I could get help paying for a replacement—will home insurance cover the AC unit?
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bellina gaskey
How will I appeal a home insurance claim denial?
Our insurance company denied our homeowners insurance claim. The damage is so extensive and we don’t know what to do. How can I appeal my home insurance’s denied claim?
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Matt Terzi
What is inflation protection in home insurance?
I’ve recently been contemplating purchasing inflation protection with my home insurance due to the increased inflation rate, but I’m not sure if it's necessary. What actually is inflation protection in a home insurance policy?
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Jack Walsh
Are home insurance payouts taxable?
I just received a large check from my home insurance company for recent damages. I’m not sure if I should put some money aside for taxes. Are home insurance payouts taxable?
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Mercedes (Sadie) Lovemore
Are mobile phones covered by my home insurance?
I recently got the newest version of my mobile phone and it was pretty expensive. Because I own a home in a neighborhood with a high crime rate, I’m worried about my phone getting stolen. Is my mobile phone covered under my home insurance policy?
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Talullah Blanco
Does home owner insurance cover termite damage?
I own a remodeled hunting cabin that gets used all year long. I’ve recently noticed some termite damage by the windows. Will my hunting cabin’s home insurance policy cover termite damage?
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Jack Walsh
Can home insurance cover termite damage?
I found some damage from termites on my wooden back porch. It looks like the railings on the porch will need to be replaced. Will my home insurance policy cover the termite damage?
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Payton Ternus
Does State Farm home insurance cover rodent damage?
I have home insurance with State Farm. I was having electrical issues and when an electrician came to look, they found a bunch of damage from mice. I have to replace lots of wiring now. Will State Farm home insurance cover rodent damage?
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Emily Maracle
Do you need legal cover on home insurance? Do you need legal cover on home insurance? Do you need legal cover on home insurance? Do you need legal cover on home insurance?
I’m buying my first house and researching what I will need in my home insurance. I’m not entirely sure what liability covers. Do I need the legal cover on my home insurance policy?
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Payton Ternus
Is it bad to switch home insurance companies?
I’ve been with the same home insurance company since I bought my house 12 years ago. I feel like I might be able to find a better rate. Is it bad to switch your home insurance company?
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Jack Walsh
How long does a claim affect your home insurance for?
I recently purchased a new home and need an updated home insurance policy. My updated policy is a lot more expensive than my prior policy. I had to submit three claims over the past six years due to wind and fire damage. How long should I expect the claims to affect my home insurance for?
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Jack Walsh

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