Theft and burglary coverage in a home policy
The core of theft coverage hasn't moved: a standard homeowners policy covers stolen personal property and damage a burglar causes breaking in, and it does not reimburse you for the full replacement va…
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Coverage Basics
Coverage Basics
Most recent firstRoof damage and your home insurance policy
File a roof claim under a standard HO-3 or HO-5 policy and let the adjuster determine cause, or repair the roof yourself and treat insurance as irrelevant to the decision. For most people, the second …
When a roof leak is covered by home insurance
Whether a roof leak is covered turns on one question: what caused it. A standard homeowners policy pays for sudden and accidental water damage, so a fallen tree limb, a hailstorm that cracks shingles,…
What home insurance is and what it covers
"Do I actually have to have homeowners insurance?" That depends on who holds your mortgage, not on any federal rule. No federal law requires every homeowner to carry a policy, but mortgage lenders com…
What a home insurance policy actually covers
A pipe fitting fails behind the upstairs bathroom wall at 2 a.m. Water runs down through the ceiling joists, stains the drywall in the kitchen below, and soaks the carpet. You file a claim expecting t…
Understanding homeowner's insurance policy options
When figuring out your homeowners insurance, you generally face a choice between buying a comprehensive, single-policy approach that covers everything from structure to personal belongings, or opting …
Do you need the most comprehensive home insurance plan?
The mistake most people make when evaluating home insurance is assuming that because a policy exists for every conceivable disaster, it must be the single best and most complete protection. They look …