People who pay for homeowners insurance and other types of coverage generally expect support if emergencies occur. Some people invest in robust policies specifically because they worry about the financial implications of a personal emergency or an incident that...
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Homeowner’s Insurance Matters
Can homeowners insurance cover temporary housing costs?
Homeowners insurance policies serve two primary functions. These policies protect people from liability if others get hurt at their properties. Premises liability coverage can pay for medical expenses and property damage losses if a visitor falls down the stairs on...
Filing a home insurance claim when a pipe bursts in the basement
When a pipe bursts in a home, especially in the basement, it can be both an emotional and financial nightmare. Between dealing with the immediate water damage and facing potentially costly repairs, homeowners often wonder if their insurance will cover the incident. ...
The risk of settling insurance claims if houses are uninhabitable
Homeowners insurance provides multiple types of protection that people usually never need. Most people never have a visitor get hurt when visiting their home, so they never file a claim against their liability coverage. Most homeowners never have a crime occur at...
How long can homeowner’s insurance companies delay claim payments?
Homeowner's insurance is both a form of personal protection and a financial necessity for many people. Mortgage companies generally require homeowner's insurance coverage to protect the investment they make when they fund a mortgage. Even those who have paid off their...
3 things your home insurance policy should cover
When it comes to safeguarding one of your most significant investments, your home, having the right insurance policy is crucial. Your home is more than just bricks and mortar; it’s a haven, a sanctuary and a representation of your dreams and aspirations. Protecting...
What is “bad faith” as it relates to insurance claims?
"Bad faith" in the context of insurance claims is a legal term used to describe a situation where an insurance company fails to fulfill its obligations to its policyholder in a fair and honest manner. At the heart of bad faith is the breach of the insurer’s duty to...
4 mistakes to avoid when filing a homeowners insurance claim
Filing a homeowners insurance claim can be a crucial step in recovering from unexpected damages to your property. However, navigating this process requires attention to detail to ensure a smooth and fair resolution. Making mistakes when filing your claim could lead to...
What if homeowner’s insurance won’t fully cover repair costs?
Homeowner's insurance provides coverage that can pay when someone has to make major repairs following a fire, inclement weather or even criminal activity at a property. People invest in different amounts of coverage depending on their personal circumstances, including...
2 subtle signs the insurance company is acting in bad faith
When you purchase a home insurance policy, you are taking steps to cushion your property from financial losses should a disaster like a flood or fire happen. And if you keep your end of the bargain, by paying your premiums on time, you can have peace of mind that the...