All Questions

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…

MAPFRE can be a solid option for older homes, especially in Massachusetts, where they’ve been insuring properties like yours for a long time.That said, you’re right that older homes come with a few extra considerations. Insurance companies, including MAPFRE, tend to look closely at key systems like…

MAPFRE, like most homeowners insurance companies, doesn’t raise rates randomly. But it can definitely feel that way when nothing about your home has changed.What you’re experiencing is actually pretty common right now. Across the industry, homeowners insurance premiums have been going up, even for …

In many policies, including those with Cincinnati Insurance, fences are covered differently than the house itself, and that can affect how much gets paid after storm damage. Your situation is frustrating, but it’s actually a fairly common point of confusion with homeowners insurance.Under most home…

This is a great question, and it’s smart to think about how to better protect your home in Louisiana. FORTIFIED isn’t just a general way to say your home is strong. It’s an actual program from the Insurance Institute for Business & Home Safety (IBHS) that sets building standards designed to help ho…

The answer usually depends on how the leak happened. Most homeowner's policies, including those from companies like Grange, cover sudden and accidental water damage. For example, if a pipe suddenly bursts under your kitchen sink and water damages cabinets or flooring, the resulting damage is often …

Your Cincinnati Insurance policy will likely cover the initial claim for damage or injuries related to the crash. The general rule is that car insurance usually follows the car first, not the driver.Your friend’s insurance may still come into play, though. If the damages exceed your policy’s liabil…

Even when two homes are hit by the same storm, California Casualty (like other insurance companies) evaluate each roof individually. The adjuster will look at the condition of the roof, the extent of the hail damage, and whether the shingles can be repaired or must be replaced.If only part of the r…

Yes, it’s possible that Cincinnati Insurance asked more questions than other companies, and that doesn’t necessarily mean something is wrong with your house. In many cases, it reflects a more thorough underwriting process.When insurers quote a homeowners policy, they’re trying to understand the ris…

When you buy homeowners insurance through GEICO, the policy is usually written by one of their partner insurers, not GEICO itself. GEICO acts more like an insurance marketplace or agency for home coverage. They handle the quote and purchase process, but the partner company is the one that actually …