Homeowners Insurance

More in Homeowners Insurance

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 ...

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 ...

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 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 ...

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 ...

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 ...

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 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 ...

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