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Smoke damage is one of the most expensive and damaging kinds of damage in your home. Smoke can cause serious issues with your property, and it can be challenging to determine if your insurance covers smoke damage. This article will explore how homeowners insurance covers smoke damages and what you need to do if you […]

UPDATED: APRIL 19, 2023

Slab leaks can cause structural damage to the building and lead to expensive repairs. Slab leaks are often excluded from homeowners insurance policies because they happen outside the building. However, homeowners insurance policies cover some of these damages caused by an act of nature or a covered peril such as fire or windstorm. What Causes […]

UPDATED: AUGUST 07, 2023

A sewer backup can create havoc in a home, causing thousands of dollars in damage to flooring, furniture, walls, and electrical systems and potentially creating a serious health risk. And unless you have specific sewer backup insurance added to your homeowner policy, that damage is uninsured.  For most Americans, the risk of a city sewer […]

UPDATED: APRIL 19, 2023

A septic tank system processes wastewater from lavatories, showers, and basins. They’re for residences on rural lands without access to a municipal sewer system. They function as storage tanks for wastewater and solid waste. But does your standard homeowners insurance cover septic tanks? Read on to learn more. Does home insurance cover septic tanks? A […]

UPDATED: AUGUST 25, 2023

If your home is not protected from flooding, the water damage can devastate your house’s structure and contents. When looking for insurance coverage for rainstorm flooding, you first need to determine what kind of home insurance policy you need. Two main types of insurance can be used to cover rainstorm flooding: homeowners insurance and flood […]

UPDATED: JULY 06, 2023

Pool leaks are a common problem in many homes. Any number of things, including poor construction, equipment malfunction, or weather damage, can cause them. The question is: does homeowners insurance cover pool leaks? Most homeowners insurance policies don’t cover the cost of repairing pool leaks. This is because most policies only cover flooding and overflow […]

UPDATED: JULY 18, 2023

On average, homeowners with swimming pools pay $2,635 more annually for insurance. A pool raises your home insurance because pools are a liability. They’re a potential hazard for children and adults alike. The more expensive the pool, the higher the premium. The amount it will raise your home insurance depends on various factors such as […]

UPDATED: AUGUST 07, 2023

PITI stands for Principal, Interest, Taxes, and Insurance. This is the total monthly payment for a home mortgage loan. PITI payments are often higher than standard mortgage payments because they include property taxes, homeowners insurance policies, and the principal and interest. Homeownership can be a minefield, so we’ve compiled a guide to PITI payments versus […]

UPDATED: AUGUST 07, 2023

Do you have a home with a burst pipe? If so, then this guide is for you. You may be wondering: What exactly is homeowners insurance for burst pipes? Is it the same as regular homeowners insurance? And how do I know if I need it or not? Read on to find out more about […]

UPDATED: AUGUST 07, 2023

Finding an insurance agent, you like and trust isn’t always easy. But it’s nowhere near impossible, either. Let’s review what you need to look for when choosing an agent so you can find the best one for your needs. What to look for in a home insurance agent When it comes to buying an insurance […]

UPDATED: AUGUST 10, 2023