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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).
May 6, 2019 New York, NY

Homeowners Insurance Insurance Companies

Should I choose a company that is cheaper for my auto insurance or my home?

There's a couple of things to think about. While price is important, I would make sure you have equal coverage for your home and your auto from both Travelers and State Farm.
Apr 14, 2019 Philadelphia, PA

Condo Insurance Homeowners Insurance Renters Insurance

What's the difference between HO-2, HO-3, HO-4, HO-5 and HO-6 policies?

Good question! These numbers correspond to either home, renters, or condo insurance. Here is a simple breakdown: HO-1: Basic form — this only covers you from 10 named perils.
Apr 14, 2019 Bedford, OH

Homeowners Insurance

Will my homeowners cover liability for small businesses?

Your homeowner's policy will not cover anything involved with the business unless you have a specific endorsement on the policy for an in-home business. You will want to check with your agent for your policy specifics.
Feb 15, 2019 Urbana, OH

Homeowners Insurance

Can a homeowners claim be removed if there was no payout

No, because there was still a claim filed with the insurance company, they just didn't pay out for the claim. They had to pay for the claims adjuster to evaluate the damage.
Jan 23, 2019 Philadelphia, PA

Coverage & Claims Homeowners Insurance

Is this covered by my homeowners or do I have to sue?

Homeowner's insurance is to repair damage caused by an unforeseen event. In this case, it will most likely not be covered by insurance, especially because it is cosmetic damage caused by home improvements.
Jan 21, 2019 Austin, TX

Homeowners Insurance

Will I be covered if I build my house in a flood plain?

There's a couple of things to think about. Flood insurance is provided by the federal government through FEMA and the NFIP.
Jan 19, 2019 St. George, Utah

Homeowners Insurance

Does homeowners insurance cover re-stain after claim?

Your homeowner's insurance will typically pay to repair the damage to the property. They don't pay to make sure the stain matches.
Jan 5, 2019 Freehold, NJ

Homeowners Insurance

Can I just update the address for my new homeowners after moving in?

You need to get the homeowner's insurance before you move in. You will also need to get the home put into your name.
Oct 28, 2018 Burleson, TX

Homeowners Insurance

Will insurance cover damage caused by an aging house?

Typically, a homeowners policy will not cover things like wear and tear. But it depends on how the damage was caused.
Oct 23, 2018 South Bend, ID
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