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

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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

Coverage & Claims Homeowners Insurance

Is it too late to file a claim for a loss we paid for out of pocket?

If your son has coverage for this, he should still be able to file a claim, however each company has their own set of rules and guidelines. Depending on his deductible and how much he settled for, he might realize that filing a claim is not worth the premium increase.
Dec 29, 2020 Denver, CO

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.
Dec 20, 2020 Green Bay, WI

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

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.
Nov 26, 2020 Houston, TX

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

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.
Nov 1, 2020 Irving, TX

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.
Jun 30, 2020 Rapid City, SD

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
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