Category: Homeowners Insurance

Will Homeowners Insurance Cover My Driveway, Shed, Or Other Structure?

Homeowners insurance is not one-size-fits all. Policies can be custom-tailored to suit individual needs. However, the majority of homeowners insurance policies include coverage for other structures on the property to help repair or replace structures that have been damaged by a covered risk. What Is Homeowners Insurance? Homeowners insurance is a policy purchased by a homeowner and consisting of coverages to replace or repair the... Read Article

Is Your Home Adequately Insured by the Right Company?

Do you know what an "admitted" insurance company is? Some folks hit by the Paradise, Calif., fire learned that lesson and a couple others the hard way. But there was one nightmare none of the residents of Paradise could have imagined, and no matter where you reside in the United States, what they are going through right now — their same fate — could be... Read Article

BBB warning homeowners to be aware of home improvement scams this spring

Renovation season may see financial hits via scams BOISE, Ida. — Spring is in full swing and that means renovation season is here. The Better Business Bureau is warning homeowners who are looking to freshen up their space this season to watch out for potential scammers. In 2018, there were nearly 450 home improvement scams across the United States reported to the BBB Scam Tracker.... Read Article

What! My Flood Policy Doesn’t Cover Flood Damage?! This, and Other Pitfalls of Nfip Flood Insurance Policies

Congress created the National Flood Insurance Program (the "NFIP") to help make flood insurance more affordable in higher-risk areas. FEMA oversees the program and writes the terms of the Standard Flood Insurance Policy (the "Policy"), and the Federal government pays claims.  Since the NFIP is a government program designed to help those suffering from flood damage, you might think that the claims process is worry-free.  Unfortunately, that... Read Article

Real-Estate Matters: Homeowners insurance comes with caveats

Q: I read your recent column (Jan. 27) about insurance coverage. In the past, I had three house fires that I had to deal with. None of these fires were my fault. Every time, I had problems with my insurance companies. In the column you mention that you had friends who had a $1 million homeowners replacement policy, and how the insurance company paid $2... Read Article