Most homeowners pay their renewal premium without reading a single page of the renewal packet. Here’s what your insurer can change at renewal — and the three documents you need to review every year.
Most homeowners pay their renewal premium without reading a single page of the renewal packet. Here’s what your insurer can change at renewal — and the three documents you need to review every year.
Most homeowners assume a covered storm event means a full roof replacement check. It often does not. Here is the roof coverage gap and how to fix it before you need to file a claim.
Dog bites are one of the most expensive homeowners insurance claims. But breed exclusions, prior-bite rules, and low liability limits mean your policy may not protect you the way you think it does.
Summer arrives and the pool gets used. Kids in, adults in, neighbors’ kids in, the neighbor’s kid you barely know in. And somewhere in the background of all of that activity sits your homeowners insurance policy — a document most pool owners have not read carefully enough to know whether it would actually protect them…
Electric vehicles are selling faster than homeowners insurance policies are being updated to cover them. If you’ve recently installed a Level 2 home charging station — or if you’re planning to — your current homeowners policy almost certainly has a gap you haven’t been told about. I’ve reviewed enough policies to know that this is…
Wildfire smoke is not the same thing as a wildfire. And for millions of homeowners, that distinction is the difference between a covered loss and a bill they never expected to pay alone. I have worked with homeowners in smoke-affected areas who had no idea their standard homeowners policy treated smoke damage as an entirely…
Standard homeowners policies cap jewelry claims at $1,000 to $2,500 — even if you have hundreds of thousands in personal property coverage. Here is what the sub-limit means and how a scheduled floater fixes it.
Mold is one of those home repair problems that starts small and turns expensive fast. A slow pipe leak behind a bathroom wall. A condensation problem in a crawl space. Water intrusion after a heavy rain. Within 24 to 48 hours, mold can begin growing in damp conditions — and by the time most homeowners…
Every year, millions of homeowners list their properties on Airbnb, Vrbo, and other short-term rental platforms without updating their homeowners insurance. Most of them don’t find out they have a problem until a guest gets hurt, something gets stolen, or a pipe bursts during a stay — and the claim gets denied. I have worked…
Most homeowners I talk to have no idea what their liability limit actually is. They know they have homeowners insurance. They assume it covers them. And it does — up to a point that most of them have never checked. The standard homeowners policy carries a personal liability limit of somewhere between $100,000 and $300,000….
There is a coverage scenario most homeowners never think about until they are standing in a hotel parking lot with two kids, a dog, and a single bag of clothes, waiting for their insurance company to call back. A fire, a burst pipe, a gas leak, a structural collapse — any event that makes your…
