Homeowners Insurance
HO2 vs. HO3 Insurance: Coverage Differences Explained
The main difference between HO-2 and HO-3 homeowners insurance is how they cover the house itself. An HO-2 policy generally covers both the dwelling…
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Homeowners Insurance
Practical homeowners insurance guides explaining property coverage, covered perils, exclusions, deductibles, water damage, household systems, repairs, replacements, and common claims for U.S. homeowners.
Homeowners Insurance
Open Peril vs Named Peril: What’s the Difference?
When comparing homeowners insurance policies, you may encounter two important terms: open peril and named peril. These terms determine which causes of property damage…
Homeowners Insurance
HO3 vs. HO5 Home Insurance: Coverage Differences Explained
HO-3 and HO-5 are homeowners insurance policy forms designed primarily for owner-occupied homes. Both can cover the dwelling, other structures, personal property, loss of…
Homeowners Insurance
Does Homeowners Insurance Cover Roof Leaks? What You Need to Know
Homeowners insurance may cover a roof leak when it results from a sudden event covered by your policy, such as wind, hail, fire, or…
Homeowners Insurance
Does Homeowners Insurance Cover Sewer Line Replacement?
A damaged sewer line can cause slow drains, foul odors, soggy areas in the yard, sewage backups, and expensive excavation. Replacing the pipe may…
Homeowners Insurance
Does Homeowners Insurance Cover Termite Damage? What Homeowners Should Know
Termites can remain hidden inside walls, flooring, support beams, and other wooden components for years. By the time a homeowner notices hollow wood, mud…
Homeowners Insurance
Does Homeowners Insurance Cover Foundation Repair? What Is and Isn’t Covered
Foundation damage can range from a small, harmless crack to a serious structural problem affecting floors, walls, plumbing, doors, and windows. Because repairs can…
Homeowners Insurance
Does Homeowners Insurance Cover Water Heater Damage or Replacement?
A failed water heater can create two separate expenses: replacing the unit and repairing the water damage it causes. Does homeowners insurance cover a…
Homeowners Insurance
Does Homeowners Insurance Cover HVAC Repair or Replacement?
Repairing or replacing an HVAC system can cost thousands of dollars. Whether homeowners insurance helps pay the bill depends primarily on why the system…