Homeowners Insurance

Is the type of siding on a house, like vinyl, a rating factor for insurance premiums?

There is no straight-forward answer to what building materials you use for your house and the homeowners insurance rate you will end up with. Here's a tip to keep in mind that may help you make a decision: brick, stucco, and concrete are preferred by most insurers because they tend to be flame-retardant so the risk of losing the whole building decreases.

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Homeowners Insurance

My roof has developed an issue over this past winter. Is this covered?

Sorry to hear about the issue. Hopefully, you can get it fixed quickly.

Homeowners Insurance

Will homeowners insurance cover my riding lawn mower that caught on fire?

Yes, you can file a claim with your homeowners insurance but I would see if your lawnmower's warranty is still valid before you look into a claim. If you do decide to file a claim, it would be covered under personal property.

Homeowners Insurance
Renters Insurance

How do I get reimbursed for mold damage when my landlord requires me to pay rent in cash?

Hello, Sorry to hear about your situation. This is a tough call.

Homeowners Insurance

I started a claim but canceled it with no payout. Why is it on my CLUE report?

Unfortunately, if you start the claims process, the insurance company can list it on your CLUE report through LexisNexis which contains your claims history — even if there was no payout or resolution. You can dispute with State Farm to see if they will remove it, but at this point, that is really the only option which is definitely frustrating.

Homeowners Insurance

What companies insure mobile homes with extra build-ons?

You should have no trouble getting mobile home insurance to cover your home including the add-ons, and there are several companies that will insure that type of home. You will need an HO-7 homeowners policy that specifically covers mobile homes.

Homeowners Insurance

Can my insurance company replace part of my roof with shingles that don't match?

Insurance companies (depending on your policy and whether you have replacement cost valuecoverage) are obligated to bring your property back to its previous state, but no better. This, in theory, means that it should be no worse as well.

Homeowners Insurance

What insurance do I need on a vacation rental?

Thanks for your question. First, you will need to contact Airbnb to see what type of insurance they provide while you have guests in the home.

Homeowners Insurance

Is there a vacancy clause in an HO 3 form for for coverage A and C?

I'm sorry, but this is a policy specific question since the vacancy clause is an endorsement (addition) to your policy to add further coverage. You'll need to contact your insurance company for the specific answer.

Homeowners Insurance

How do I dispute a homeowners insurance claim?

Sorry to hear about your recent troubles. Unfortunately, to dispute a homeowners claim such as this, the best way forward is to seek legal advice.

Homeowners Insurance

How does HO-2 coverage compare with an HO-5 policy?

An HO-2 policy provides very basic coverage for your home and personal property. It covers the home when the damage is caused by specifically named events (perils).
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