Homeowners Insurance

More in Homeowners Insurance

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 ...

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 notify ...

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 ...

What Is Protection Class for Homeowners Insurance?

Your insurer didn't pick the cost of your homeowners insurance premium out of a hat. The cost of your policy is based on things such as the value of your house and how vulnerable it is to fire. The Insurance Services Office has 10 protection classes that measure fire risk. Which ...

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 make ...

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 flood ...

The Average Budget Percentage for Home Insurance

Just as the "average American family" with 3.14 family members does not actually exist, the national average of total income spent on homeowners insurance has little practical relevance to anyone's particular housing situation. The percentage of your income you are likely to ...

How Do You Get Your Homeowners Insurance to Pay for Your Leaking Roof?

A leaky roof needs immediate action before future rains risk structural damage, mold or water damage of your personal belongings. Insurance companies typically don't pay for damage from long-term leaks so immediate attention also increases your chances for reimbursement for ...

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 ...

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