All Questions

Kin Insurance is designed to be an online-first insurance company, and for many homeowners, that’s not necessarily a bad thing; it’s just a different way of doing things.The biggest difference is that instead of working through a local agent, you’re managing your policy digitally, whether that’s ge…

Kentucky Farm Bureau homeowners insurance does typically cover tornado damage, since tornadoes fall under windstorm coverage, which is included in most standard policies.That means if a tornado damages your roof, walls, or even destroys the home, your policy is generally designed to help pay for re…

Arbella, like most homeowners insurance companies, can raise premiums even if you haven’t filed a claim—and it’s usually tied to broader changes, not just your individual policy.One of the biggest reasons is that the cost to repair or rebuild homes has gone up. Materials, labor, and construction co…

This situation is more common than you might think, and you are not necessarily stuck with the first number Mercury gives you.Insurance estimates and contractor estimates often differ because they are based on different methods and pricing tools. Mercury’s adjuster may be using standard estimating …

Mercury homeowners insurance, like most standard policies in California, does cover wildfire damage. So if your home is damaged or destroyed in a fire, your policy would likely help pay to repair or rebuild the home, replace your belongings, and cover temporary living expenses if you need to stay s…

WithArbella homeowners insurance, damage from ice dams can be covered, but it depends on how the damage happened.In many cases, if an ice dam leads to sudden water damage inside your home, like water leaking into walls or ceilings, that damage may be covered. Insurance is generally designed to hand…

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…