All Questions

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 …

Although your friend had a negative experience with The Hartford, don’t feel too bad about the recommendation. Situations like that happen more often than people realize.Even with the same insurer, two homeowners can have very different claims experiences, and the outcome often depends on the detai…

It makes sense to question this, but in Hanover's case, the lack of visibility mostly comes down to how the company sells insurance, not its stability. Hanover doesn’t rely heavily on national advertising or direct online sales. Instead, it works primarily through independent insurance agents, whic…

That’s a fair question, because the AARP branding can make it sound like you’re getting a completely different type of insurance product. In reality, AARP doesn’t sell insurance itself. Instead, it partners with insurers, and for home and auto coverage, the partner is The HartfordSo the policy you’…

If Liberty Mutual told you to repair or replace your roof, it usually means the roof was flagged during underwriting or an inspection as a potential risk. It can feel alarming to get a notice like that, but it’s actually a fairly common situation with homeowners insurance.Insurers often review a ho…