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Do I need to change my policy when I rent out my home?

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…

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What is the 80% rule in homeowners insurance?

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…

Should I add a property manager as an additional insured?

Thank you for reaching out to The Zebra! This is a great question, and with people owning vacation homes or short-term rentals, it comes up fairly frequently these days. It's common for a property management company to want to be listed as an additional interest on your insurance policy. Most …
Feb 14, 2024 Whidbey Island, WA

Why did my rates go up when I have a clean driving record?

Thanks for reaching out with your question! Unfortunately, you're not the only one who feels like your car insurance is more expensive than in the past. When your auto insurance premium rises, it doesn't always mean you've done something wrong, though. Let's talk about some pote…
Feb 8, 2024 Hot Springs, AR

Can I remove a vehicle from my policy if it is broken down?

Thank you for reaching out to The Zebra!I would recommend keeping insurance on your vehicle even though it is inoperable. It will help you maintain continuous insurance which will help you get better rates in the future once you decide if you're fixing the car. Also, if your vehicle is damaged…
Dec 28, 2023 Pensacola, FL

Why is it so difficult to find insurance after a lapse in coverage?

Thank you for reaching out to The Zebra! I'm sorry to hear that you're having difficulty finding insurance after experiencing such a devastating event like losing your home. Auto insurance companies rate heavily on whether or not you have prior insurance or not. Any lapse in coverage (eve…
Dec 26, 2023 New Prague, MN

Will an insurance company let you underinsure a home?

Thank you for reaching out to The Zebra! Every insurance company is a little bit different. Most will not allow you to insure a home underneath its replacement cost. Here at The Zebra, we do not sell any home or rental properties for less than their replacement cost. One option that might fit your …
Dec 19, 2023 Lexington, KY

Why is the deductible so high for wind damage to my home?

Thank you for reaching out to The Zebra! Every insurance company is a little bit different. They all have different combinations of coverages and deductibles. Sometimes they base your deductible on the dwelling coverage on your home, which is what sounds like happened in your case. Deductibles for …
Nov 8, 2023 Howell, NJ

Can I get homeowners insurance with non-permitted roof repairs?

Thanks for reaching out about this! In short, yes, this will affect your insurance. Buying a home is a big life event and can be stressful even without surprises, so discovering that things weren't done according to code or local regulations can be incredibly frustrating (and potentially unsaf…
Nov 8, 2023 Palm Coast, FL

Can I get a refund if I was double insured?

Thanks for reaching out to The Zebra! I can see how this is confusing for you.Now, it's normal for other drivers to be listed on a policy if they live in the same house as the insured and could possibly drive their car, but insurance laws prohibit someone from having duplicate car insurance co…
Jul 19, 2023 Joliet, IL

Is it cheaper to insure two older vehicles, versus one new car?

Thank you for reaching out to The Zebra! The best answer to your question is: it depends. The price can vary quite drastically if you were to rate one newer vehicle versus two older vehicles. The cost of car insurance isn't as cut-and-dry as simply comparing a new car with an old car, but many…
Jul 19, 2023 Central Point, OR
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