All Questions

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…

Usually, no, your home insurance probably will not pay to remove or fix asbestos if it’s discovered during a planned remodel.That’s because homeowners insurance is meant for sudden, accidental damage, not pre-existing issues, maintenance, or hazardous materials uncovered during renovation. In older…

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…

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…

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, 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…