Most insurers offer standard tier levels that are fairly universal across the homeowners' insurance industry no matter which agent or company you settle on.
If a tree limb falls or a hailstorm pelts your home’s exterior, your own policy handles window (or siding, or roof) replacement. However, if a youngster’s poorly aimed projectile shatters your window glass, then his or her family’s homeowners’ benefits would kick in.
New and seasoned Floridians alike already know their beautiful state lies in a hurricane-prone zone, so homeowners will be glad to learn that gleaning extra facts about building codes can improve their insurance protections.
Whether it’s a hired hand, next-door neighbors, extended family or others, sooner or later homeowners may wonder whether their property insurance covers mishaps affecting people other than primary occupants.
Are your sheds shielded? Is your carport covered? Is your pool house protected? As new homeowners familiarize themselves with property insurance policy details, such questions will arise regarding structures adjacent to and around their main dwelling.
Most consumers already know their way around online shopping carts and checkout options — but as the insurance industry shifts toward a virtual arena, one’s choices may not be that evident at the outset.
First-time homeowners encounter many a learning curve as they acquaint themselves with the finer points of home maintenance and protection — including making informed choices when selecting the property insurance coverage that’s right for their home.
Among potential storm or water damage consequences, mold ranks among the least desirable outcomes to grapple with; but when it does occur, there’s no denying that it must be dealt with expediently and professionally.
Online insurers nowadays mount strong advertising campaigns; use mobile applications for reminders and alerts, and offer 24/7 availability.
Hapless homeowners face frustration when forces of nature level their lot or create secondary disasters from flooding or falling limbs — with many learning too late that standard homeowner’s insurance policy coverage usually excludes flood damage.
Because homeowners’ insurance policies are complex by nature, consumers need to be well prepared and clearly understand details of their policy coverage well in advance of any incidents requiring the filing of a claim.