Coverage & Claims
Homeowners Insurance

A logistics company driving for FedEx hit my retaining wall. Should I make a claim or wait?

I would recommend waiting for the logistics company to pay for it. If you file a claim through your carrier, it may take a while for them to retrieve the money owed to you, and you will now have a claim on your homeowners insurance record.

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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.

Coverage & Claims
Homeowners Insurance

I bought a new homeowners policy on the 3rd and my home was broken into on the 4th. Am I covered?

Yes, your claim should be covered. As long as a policy is active, it does not matter when the claim occurs.

Coverage & Claims

Do I have to pay the 2% plus my standard deductible if I had a house fire?

Sorry to hear about that. It sounds like you would only pay the 2% deductible and insurance should handle the rest.

Homeowners Insurance

Can my son's name be on my homeowners policy if he's not on the deed of the house?

Your son would not need to be listed in any way on the policy unless he is a part-owner. Any payouts from insurance would go to the lender and homeowner(s), so having him on there would not do anything for him.

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.

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.

Eligibility

Can I get insurance for moving a manufactured home?

Hello. You are correct in that your normal auto policy wouldn't cover you in this situation.

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.

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.
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