All Questions

With Alfa homeowners insurance, buildings like a detached garage or backyard workshop are usually covered, but not in exactly the same way as your house.Most homeowners policies include coverage for other structures. That means buildings on your property that are not attached to your home, like a d…

American Modern does insure some higher-value or unique homes, but it’s not limited to luxury properties.American Modern is what’s called a specialty insurer. That means they focus on homes that don’t always fit neatly into standard insurance guidelines. That can include high-value homes, but also …

Yes, American Modern can be a good option for rental properties and duplexes, especially when the situation doesn’t fit a standard homeowners policy.American Modern offers landlord-style coverage, which is designed for properties you don’t live in. If you own a duplex and rent out both units, that’…

That’s not a dumb question at all; this is exactly the kind of situation homeowners' insurance is meant to help with, with Lemonade and other insurance companies.With any homeowners policy, there’s usually a section called personal liability coverage. That part of the policy can help if someone get…

With Merchants Insurance Group, like most homeowners insurers, whether this is covered usually comes down to how the damage happened.Home insurance is designed to cover sudden and accidental damage. So if a pipe bursts or a dishwasher suddenly leaks and causes damage, that’s often covered.But slow …

Kentucky Farm Bureau insurance is state-specific, so you generally can’t take the same policy with you if you move out of Kentucky.Each Farm Bureau company operates at the state level, which means Kentucky Farm Bureau policies are designed for risks, rules, and regulations within Kentucky. If you m…

This is a great question, especially when you’re looking at a company like California Casualty in a high wildfire-risk area.The good news is that most standard homeowners insurance policies, including those from California Casualty, do cover wildfire damage. If your home is destroyed in a fire, the…

When a neighbor’s tree falls on your house, the answer surprises a lot of homeowners: your homeowners insurance usually pays first, not your neighbor’s.In most situations, insurance follows the property that was damaged. So if a storm knocks a tree onto your garage roof in Green Bay, your Integrity…

With Merchants Insurance Group, the decision to repair or replace a roof usually isn’t random: it’s based on the damage and your policy, as well as what the adjuster identifies onsite.After a storm, the adjuster looks at how much of the roof was actually damaged. If only part of the roof was affect…

If you have a homeowners policy with Alfa, like most insurers, it’s important to know that standard policies typically don’t include sewer backup coverage by default. If you’ve added water backup coverage, you may be able to get some reimbursement, depending on what caused the damage and how the ad…