Coverage & Claims
Homeowners Insurance

How do I get a false claim on my record removed?

The best course of action would be to call that insurance company and request all paperwork associated with that claim. It should show as a zero dollar payout, which you could show to other companies to dispute the claim. If you want to fight it off your record, you'd need to look up your CLUE report from LexisNexis and open a dispute regarding that claim.

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Homeowners Insurance

Does a zero dollar home insurance claim affect rating a policy?

If you were not paid out, a canceled claim should not have an effect on your premium. Database systems used for cataloging claims history can sometimes confuse this, however.

Homeowners Insurance

Can I keep the contents of my house after insurance paid out for them?

Your insurance company is likely going to pay for debris removal. Removing certain things while doing so may come with additional cost and typically insurance is not going to allow that.

Coverage & Claims
Homeowners Insurance
Renters Insurance

How do I get a false claim off my insurance report?

I would call my prior insurance company (your renters provider) showing the false claim and see how they have it marked. I would also have them send confirmation that the claim was dropped and not paid out.

Homeowners Insurance

What is O&L coverage and why do I have it?

O and L stands for Ordinance and Law. Though your agent said that it wouldn't cover code upgrades, perhaps he meant that if a code went into law, your insurance isn't going to accept claims to upgrade the home and bring it up to code — unless your home suffers a loss. What this coverage does is that if your home is damaged, you have additional funds to bring the building up to code with any new laws since the home was originally built.

Homeowners Insurance

What kind of insurance do I need for a short term rental property?

Thanks for your question. It sounds like you would want a standard HO-3 homeowners policy that would allow for short term rentals.

Homeowners Insurance
Renters Insurance

What kind of insurance do I need if I'm renting out my property?

What kind of insurance you need depends on a few factors of your rental. For insurance, a million in liability may sound like a lot but for most businesses, this is just a starting point because the risk of lawsuits and other exposures are so much higher.

Homeowners Insurance

If I'm on the deed but not the mortgage, can I still be on the homeowners insurance?

Thanks for the question. I see no issue with you being on the insurance if you are on the deed to the property.

Homeowners Insurance

Will home insurance cover a robbery claim after my policy was canceled?

This entirely depends on the date of the loss, i.e. when the home burglary happened.

General Insurance
Homeowners Insurance
Insurance Companies
RV Insurance

Is it possible to bundle three lines of insurance?

It is challenging to say which insurer would be the best for bundling multiple lines of insurance. Most companies would likely give you multiple policies to cover your vehicles, RV, and homes.

Homeowners Insurance

Is it legal to change homeowners insurance policies without the approval of all parties on the deed?

As long as you're on the deed, you do not need permission from all parties to change your homeowners insurance if it is in your name. Anyone with a vested interest could also insure the property how they see fit. If you have any questions, don't hesitate to ask.
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