Articles

Navigating Foundation Damage: How Homeowners Insurance Can Help You Rebuild

As a homeowner, you take pride in your property and want to ensure it is well-maintained. Unfortunately, sometimes things can go wrong that are beyond your control, like foundation issues. Whether due to natural disasters, soil problems, or age, foundation damage can be costly and stressful. But does homeowners insurance cover foundation repairs? This article Read More

Understanding Homeowners Insurance Coverage for Structural Damage

Protecting your property from any damage is always a top priority as a homeowner. One of the most concerning types of damage is structural damage, which can significantly impact the safety and value of your home. It’s essential to understand whether or not your homeowners insurance covers structural damage and what you can do to Read More

How Does Medical Payments Coverage in Home Insurance Work?

Home insurance coverage is mostly remembered for protecting against natural disasters, theft, and vandalism. However, do you know it also provides medical payment coverage? Often, people confuse this coverage with personal liability coverage, as both are designed to cover a third party or guest when they sustain an injury on your property. Nevertheless, the two Read More

Does Renters Insurance Cover Food Loss?

Renters insurance coverage covers your belongings stored on and off-premises (rental home/apartment and storage units) against named perils and events in your policy. However, does it cover spoiled food? Yes, renters insurance covers lost or spoiled food in some circumstances. Let us discuss them. When does Renters Insurance Cover Food Loss? Your renters will cover Read More

Does Home Insurance Cover Damage Caused by a Tree?

Storms can do quite a bit of damage to homes, especially those surrounded by tall trees. Does standard home insurance coverage pay for fallen trees that damage property? It’s complex because your policy will likely only pay for specific damage. Here’s what you should know about homeowners’ insurance regarding fallen trees. When Homeowners’ Insurance Covers Read More

Do Homeowners Insurance Policies Cover Lightning Damage?

A standard homeowners insurance policy covers damage to your home and property caused by lightning. However, it won’t cover all types of lightning strike-related damage. Understanding how and when your homeowners insurance pays for lightning damage will help ensure that you have sufficient coverage to protect your home from such damages. How Do Homeowners Insurance Read More

Does Bedbug Infestations Falls Under Renters Insurance Cover?

Bedbugs can be expensive for homeowners, costing $300 to $5,000 to resolve. It depends on the size of the property and the infestation. Here’s a look at how to deal with bedbugs if you are a renter. Does Renters Insurance Cover Bedbugs? Usually, the answer is no as to whether or not your renters insurance Read More

Why Does Homeowners Insurance in Florida Cost so Much?

Florida homeowners may feel like they are paying extra for their home insurance. It’s true. It costs more to insure a home in Florida for several reasons. Both Florida and Louisiana are in the same boat. Even though homeowners insurance is much higher in Florida than in other areas of the country, it doesn’t mean Read More