Insurance FAQs

• Q: What is homeowner’s insurance?
  A: Homeowner’s insurance policies cover damages to or destruction of your home and possessions that result from fire, theft, or other types of disasters. The … More
• Q: Am I required to have homeowner’s insurance?
  A: Maybe. The law of the state in which you live determines whether you are required to maintain homeowner’s insurance for your home. However, if you … More
• Q: Will homeowner’s insurance cover all of my personal property?
  A: No. There are some types of personal property, such as antiques, expensive jewelry, and coin collections, which your insurance policy might not cover, or might … More
• Q: Will homeowner’s insurance cover my vehicles?
  A: No. Vehicles are not included in a homeowner’s insurance policy. However, damages to your vehicles may be covered by your auto insurance policy. More
• Q: Why does my homeowner’s insurance policy contain Additional Living Expense (“ALE”) coverage?
  A: If you are unable to use or live in your home while it is being repaired or rebuilt, ALE coverage will provide you with some extra benefits. For instance, ALE … More
• Q: Why does my homeowner’s insurance policy contain a provision about Personal Liability coverage?
  A: Most homeowner’s insurance policies contain Personal Liability coverage, which protects you from claims or lawsuits that result from damages occurring on your … More
• Q: Why does my homeowner’s insurance policy contain an Inflation Guard Endorsement?
  A: An Inflation Guard Endorsement protects you against changes in housing market prices and updates to your home. For instance, if you have added another room to … More
• Q: Does my homeowners’ insurance policy cover mold damage?
  A: Read your policy carefully in order to determine whether it covers damages resulting from mold and/or fungi. Some insurance companies have begun to limit or even … More
• Q: If my home is destroyed and needs to rebuilt, will my homeowners’ insurance cover the building permits needed under local laws?
  A: Ordinance or law coverage is a specific type of homeowner’s insurance coverage that covers all necessary costs of rebuilding or repairing your home as required … More
• Q: Do I need special windstorm coverage in my homeowner’s insurance policy?
  A: Most homeowner’s insurance policies contain coverage for losses related to windstorms, hail, or other types of severe storms. However, if you live in … More