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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.
Mar 10, 2020 Lincolnton, NC

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.
Jan 21, 2020 Franklin, KY

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.
Dec 30, 2019 Seattle, WA

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.
Dec 15, 2019 Wilmington, DE

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.
Oct 23, 2019 Houston, TX

Condo Insurance

What does "walls out" coverage mean in an HOA policy?

I believe they are saying that since the damage is to the interior of the condo, then it is the unit owner's responsibility to get any damages covered — whether they need to pay out of pocket or use their own condo insurance. The HOA "walls out" policy generally means that it will cover damage to the exterior walls, roofs, and other property contained inside the exterior framing, but not anything inside the unit.
Sep 29, 2019 Spokane, WA

Homeowners Insurance

Is property that was stolen from the alley just outside of your house covered with homeowners insurance?

Thanks for your question. Whether or not your property is covered really depends on your homeowners insurance company.
Sep 24, 2019 Andrews, TX

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.
Sep 2, 2019 Athens, GA

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.
Jul 24, 2019 Wynne, AR

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.
Jul 4, 2019 Zeeland, MI
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