Homeowners Insurance

If the value of my home goes up, do I need to increase my coverage?

The value of your home increasing is amazing for selling purposes. However, when it comes to insuring a home, insurance carriers value the dwelling (Coverage A) at a replacement cost.
Apr 1, 2022 Copely, Ohio

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Homeowners Insurance

Is it a requirement in Georgia that you have full rebuild coverage & 50% of that for personal property for a home with a mortgage?

When it comes to rebuild coverage, limits are completely up to the mortgage company you go through and depend on what they require. Most insurance companies will not insure the home unless it is at full replacement cost.
Sep 15, 2021 Cumming, GA

Homeowners Insurance

Does insurance cover water damage from a leaking shower?

Most homeowners policies cover water damage unless that coverage is specifically excluded. Look at your policy to see what coverages are included.
Jul 19, 2021 Beaverton, OR

Homeowners Insurance

Do renters claims affect homeowners insurance?

I would get two things done. I would call my prior renters insurance company to see how they have the claims marked.
Jul 15, 2021 Atlanta, GA

Coverage & Claims Homeowners Insurance

Is prior insurance liable for roof damage found or is the current insurance company?

Your new insurance carrier would be the company you file this claim with. Since there was no active claim with your old company, they would not open an investigation past your policy expiration date.
Jul 8, 2021 Midwest City, OK

Coverage & Claims Homeowners Insurance

How do I get a false renters claim taken off my record?

I'm sorry that you're experiencing this. I would get two things done.
Jan 3, 2021 Atlanta, GA

Homeowners Insurance

I just had my cedar siding replaced with vinyl siding. Will this reduce my homeowner's premium, or raise it?

Since vinyl is a lower-risk building material than cedar, it is more likely that your homeowners premium would reduce rather than increase. For more information, call your insurance company’s customer service line to see if they will adjust premiums for the building change.
Dec 2, 2020 Kalamazoo, MI

Coverage & Claims Homeowners Insurance

Should I file a claim to have a tree removed but not have the damage to the covered structure repaired?

Typically, an insurer would prefer to handle any and all damage incurred as to avoid any unnecessary future risks of property damage or bodily injury caused by the damaged structure. This is a claims-related question that would be uniquely handled by the claims department of your insurance provider.
Nov 17, 2020 Albany, NY

Homeowners Insurance

My homeowners insurance is canceling my coverage based on us having a home daycare. How do we get coverage?

If it was not disclosed to your insurer at the time of finalizing your policy that you're running a business out of your home, it is within the company's right to void it. While you likely won't need a home daycare endorsement if you already have separate liability insurance, every potential home insurance company will want to know that your home is also a place of business.
Jun 28, 2020 Bradenton, FL

Eligibility Homeowners Insurance

Where can I find vacant home insurance for my grandmother's house?

Vacant or unoccupied homes are still covered under many homeowners plans. You'll just want to specify that the home is vacant upfront as you search for a new plan.
Jun 9, 2020 Birch River, WV

Homeowners Insurance

How soon after switching home insurance policies can you make a claim?

Hopefully, you will not need to file a claim, but insurance will follow the effective date. If your policy takes effect January 1st, 2020, then that is the first date that a claim would be honored.
Jun 8, 2020 Dallas, TX
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