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A home insurance policy typically has six coverage types. If you want to know more about insurance coverage types, their limits, and how they apply, read on. Home Insurance Coverages: What’s Covered and What’s Not? Standard Policy’s Covered Perils Standard home insurance coverages aren’t for every event. The common covered perils include: Remember that covered perils […]

UPDATED: MAY 08, 2023

Despite California holding a reputation as the earthquake capital of the United States, only about 10% of its residents have earthquake insurance. This leaves about 90% of Californians underprepared for the financial losses associated with earthquakes. If you’re in the state and near a major fault line, here’s what you need to know about California […]

UPDATED: JULY 06, 2023

A homeowners insurance policy offers peace of mind if your home is damaged or destroyed in a covered event. But filing a homeowners insurance claim might cause your rates to increase. Let’s review how your they might increase, how long the rate will last, and what you can do to keep your home insurance premium […]

UPDATED: JULY 06, 2023

Spring is the perfect time to ensure that your home is in tip-top shape. While you’re sprucing up your space, it’s important to do some preventative maintenance. This way, you won’t have to file any home insurance claims shortly. Avoid Home Insurance Claims With a Little Springtime Maintenance It’s common for homeowners to make lengthy […]

UPDATED: APRIL 19, 2023

You might ask yourself, “what is dwelling coverage, and do I need it?” First, knowing what a dwelling is is essential before determining whether you need dwelling coverage. A dwelling includes your home and anything attached to the structure itself, such as a garage, porch, or deck. A dwelling also includes any built-in appliances such […]

UPDATED: JULY 06, 2023

You can use additional living expenses coverage, a type of insurance if your home is damaged and you need to relocate. The coverage pays for certain expenses not covered by the standard homeowners insurance, such as hotel and restaurant bills, storage fees, and temporary housing. This coverage is usually provided with standard homeowners insurance policies, […]

UPDATED: APRIL 19, 2023

What happens when someone gets injured in your home? Most renters and home insurance policies include personal liability coverage to help you avoid paying legal fees. But what about their medical costs? Who covers those? It might be you — but medical payments coverage can help. What Is Medical Payments Coverage On Your Home Policy? […]

UPDATED: JULY 06, 2023

Do you ever think about what would happen if an accident occurred at your home? For the most part, homeowner’s insurance policies include personal liability coverage. This is good because it protects you from financial responsibility if a visitor gets hurt in your home. What Is Personal Liability Coverage? Personal liability coverage pays for legal […]

UPDATED: JUNE 19, 2023

Some mortgage lenders require homeowner’s insurance with loans, which leaves potential homeowners scrambling for the best rates. Keep reading for the average cost of homeowner’s insurance, what it involves, and how to save on premiums. What’s the Average Cost of Home Insurance For a home with $300,000 worth of dwelling coverage and $100,000 in liability […]

UPDATED: SEPTEMBER 05, 2023

Water damage doesn’t always involve a burst pipe or leak; many types of water damage may cause serious structural issues, like mold growth, rusting of steel, and more. So, does house insurance cover water damage or not? Let’s find out. Table Of Contents When Does House Insurance Cover Water Damage? Water damage is one of […]

UPDATED: APRIL 19, 2023