Homeowners Insurance

8
May

Does Your Homeowners Insurance Protect Musical Instruments?

For many, musical instruments are not just possessions but cherished tools of expression and creativity. However, what happens if these instruments are damaged, lost, or stolen? Does homeowners insurance cover musical instruments? Let’s continue reading to explore whether your homeowners insurance provides sufficient coverage for musical instruments and what additional options are available to protect your valuable investments. When Should

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15
Nov

6 Homeowners Insurance Terms You Must Know

Homeowners insurance is a crucial shield that protects your most significant investment – your home. However, navigating the insurance world can be overwhelming, especially when faced with unfamiliar jargon. Understanding key terms is essential to make informed decisions about your coverage. In this blog, we’ll break down six necessary definitions of homeowners insurance and terms you need to know. Declarations

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27
Sep

Does Homeowners Insurance Cover Asbestos Removal?

Homeownership comes with a myriad of responsibilities and unexpected challenges. Among these challenges, asbestos removal is a topic many homeowners may have yet to consider. Asbestos, a naturally occurring mineral fiber, was once commonly used in construction materials for its fire-resistant and insulating properties. However, it has been linked to severe health risks, including lung cancer and mesothelioma. In this

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30
Nov

What Should You Know About Homeowners Insurance Driveway Damage?

A crack, no matter how small, in the driveway can be a problem for homeowners. However, if a covered peril causes damage to your driveway, your insurance may pay to repair the damage up to your policy’s limits and minus your deductible. A homeowners insurance policy may also cover secondary structures on your property, including decks, patios, sheds, and driveways.

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14
Sep

What Should You Know About California Fair Plan Wildfire Insurance?

Certain homeowners in California’s areas with high wildfire risks have difficulty finding regular fire insurance due to insurers not wanting to take on high risks. But homeowners can turn to California FAIR Plan Wildlife Insurance if they qualify. Here’s a look at how the FAIR plan, which is a bit more expensive than a regular fire insurance plan. How Does

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3
Aug

Are Sinkholes Covered by My Homeowners Insurance?

Standard homeowners policies cover three primary things. They include structures on the property, your personal possession, and various types of liability. Basic policies do not cover various natural disasters, such as hurricanes, floods, and earthquakes. Other natural occurrences that are not covered include sinkholes and minor movements of the earth that may shift or crack the foundation of a home.

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6
Jul

Negotiating a Change in Your Home Insurance Value

The money you paid for your home is an investment. The homeowners insurance coverage you purchase is the protection for that investment. The amount of protection you purchase will be different than what you may have paid for your home when you bought. The value of your home will change throughout the years. Inflation, upgrades, and improvements will all play

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22
Jun

What Happens to Your Mortgage If You Lose Your Homeowners Insurance

A mortgage is a legal and binding contract that is full of stipulations. One of which is to make sure all of your payments are made on time. Another stipulation is that you carry a homeowners insurance policy that will cover the cost of your mortgage if your home is ever damaged or destroyed. If you allow your homeowners insurance

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18
May

How Do Insurance Companies Pay Homeowners Insurance Claims?

Homeowners’ insurance claims payout periods vary depending on your state and insurance company’s requirements. However, the process of settling claims typically follows certain procedures. Here is a look at how a claim is assessed and paid. How Is Damage Assessed During a Claim? Once you file a claim for property damage, an adjuster will visit the property to examine what

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