Homeowners Insurance

More in Homeowners Insurance

Will Homeowner's Insurance Cover Sump Pump Failure?

It might be one of the worst feelings in the world: Your basement is flooded and there’s no sound coming from the sump pump you installed to stop the incursion. For people living on flood plains, adding flood insurance is common practice, but even they might not know that ...

How Much Personal Liability Coverage Do I Need on a Homeowner's Insurance Policy?

While owning a home has many advantages, it also comes with certain liabilities, such as your personal responsibility for accidents that occur on your property. Personal liability insurance is part of most homeowner's policies, and can help protect you against financial loss ...

How to Claim Fence Damage on Homeowners Insurance

The "other structures" section of your homeowner policy is where you find coverage for gazebos, playgrounds, detached garages and fences. Most policies cover them automatically, but within the same limits as coverage on your house. Your house isn't protected against ...

What Happens to Homeowner's Insurance When a Person Dies?

Homeowner's insurance covers a specific home. It is sold to a specific person or persons who own the home. It cannot be automatically transferred to a new owner. When the owner dies, a new owner inherits the property. That new owner must purchase his own policy. Within time ...

Can I Deduct Homeowner Insurance on a Rental House?

Owning rental property opens the door to passive income on a monthly basis. But even if you earn a livable income from your rental house, there are costs associated with managing a property. These costs can reduce your monthly profit. However, you can deduct many rental expenses ...

Will Homeowners Insurance Cover Water Damage From Melting Snow?

That beautiful snowfall you enjoy today can become a hazard for your home when it begins to melt. If you think your homeowner's insurance policy will cover damage caused by melting snow, think again -- most problems caused by melting snow fall outside the coverage of standard ...

What Can You Do If Your Homeowners Insurance Won't Renew Your Policy?

Being dropped by your homeowners insurance company is an unwelcome surprise, but don’t panic. State laws requires the insurance company to provide you with notice ahead of time so that you can find new insurance. For instance, in Massachusetts, the insurance company must ...

Who Gets an Insurance Claim Check: The Contractor or Homeowner?

How insurance companies handle claim payments varies. While individual states have their own requirements for how companies must respond to claims, different insurers also have their own guidelines for processing claims. But it may help to have a contractor present when the ...

How Long Do Homeowner Insurance Claims Stay on Your Record?

Insurance companies use scores to determine a consumer’s risk in much the same way that lenders and creditors use credit scores. Various factors go into insurance scoring models, including the number of homeowner claims you file, and the number of claims on your record can ...

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