Are you confused about the difference between home insurance and hazard insurance? Then follow along to learn more about these two common insurance terms and discover other useful facts about home insurance. Is Home Insurance the Same as Hazard Insurance? Yes, but only partially. The term “hazard insurance” (also known as “dwelling coverage”) refers to…
Knowledge is power, as the old saying goes. And the more you know about home insurance, the better you’ll be equipped to protect your home. With that in mind, in today’s post, we discuss some of the most important factors that affect the cost of home insurance. What Factors Affect the Cost of Home Insurance?…
Costs mount quickly when your home becomes uninhabitable after an incident. Fortunately, a component of your homeowners insurance known as loss of use coverage can step in to help. Keep reading to learn more. What Is Loss of Use Coverage? Also known as coverage D or additional living expenses (ALE), loss of use coverage is…
If your home is damaged and needs to be rebuilt or repaired, your homeowners insurance won’t cover the cost of updating the structures of your home to bring them in line with local building codes. Luckily, ordinance law coverage is here to save the day. Keep reading to learn more! What Is Ordinance or Law…
If you believe that your homeowners insurance includes protection against personal injury, think again. Keep reading to clear up some common misconceptions about this coverage and learn how to get protected. Personal Liability vs Personal Injury First, it’s important to understand the difference between personal liability and personal injury coverage. A lot of people assume…
No doubt, having insurance is a smart move. However, knowing what your policy covers is just as important. That’s why today we take a closer look at the 16 risks (or “perils”) covered by a standard homeowners insurance policy. Keep reading to learn more. Home Insurance: the Basics Before we dive into the details, it’s…
We get it: home insurance is full of ins and outs. For example, people often wonder if home insurance covers mold. And what about water damage? In this blog post, we offer a clear outline of what is (and isn’t covered) by your homeowners insurance. What Is Covered by Your Homeowners Insurance Your typical homeowners…
No doubt, the protection of home insurance takes a big load off your shoulders. However, there are some risks not covered by your standard homeowners policy. Keep reading to discover four of these risks and learn how to get protection. 4 Coverages You Should Add to Your Homeowners Insurance The purpose of your homeowners insurance…
Today we take a closer look at the coverages included in a typical homeowners insurance policy. Read on to learn more about homeowner insurance in California, from a basic definition to tips on building a policy that works for you. What Does Homeowners Insurance Cover in California? Homeowners insurance is designed to protect your home…
If you’ve ever walked under the rain you know that umbrellas can total be game-changers. The same applies to Umbrella Insurance policies—they offer coverage when you need it the most. What Is an Umbrella Insurance Policy? Whether it’s Auto, Life, or Homeowners Insurance all types of insurance come with limits. While this makes sense, in…