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Great question! This is an important consideration if you're planning to turn your primary home into a rental. The short answer is yes, you'll need to change your homeowners policy to a landlord policy. An insurance company would likely deny a claim if the proper coverage isn't in pl…

Dairyland focuses mainly on high-risk insurance, which means they’re great if you’ve had recent tickets, a lapse, or a suspension. But if your record has been clean for a few years, you may have outgrown what they specialize in.Even after three years of clean driving, carriers like Dairyland someti…

Your renters insurance would cover your personal belongings that were damaged in the overflow. Things like rugs, clothing, furniture, or anything else you own that was affected by the water. That’s the main purpose of renters insurance. If not much of your property was ruined, it may not be worth m…

As you stated, your home is covered up to 150% of the dwelling amount so this is not something you should be concerned about. However, it is a good example of why it is so important to properly insure your home. It also benefits you as a consumer and homeowner to understand the basics of your homeo…