Home Owner Insurance FAQ, Guides & Information

Here, you'll find the home insurance information to need to make an informed decision about your policy. Our home owner insurance FAQs and guides can help answer your questions.

Bike Coverage
Q: I'm purchasing an expensive mountain bike. Will it be covered under my homeowners insurance policy? Read Answer

Child Heading to College
Q: My child is heading off to college this fall. What insurance issues does this raise? Read Answer

Condo Damage
Q: The tub in my condo overflowed and damaged the ceiling in the condo below. Will my insurance pay for this? Read Answer

Condos & Title Insurance
Q: I'm buying a condominium. Do I need title insurance? Read Answer

Condo's Master Policy
Q: My condo association has a master policy. What additional insurance do I need? Read Answer

Damage from Neighbor
Q: My neighbor's tree fell across my fence. Will their insurance cover the damage? Read Answer

Diamond Ring Protection
Q: I just got engaged and I'm worried about losing my diamond ring. Can I buy insurance to protect it? Read Answer

Firearm Coverage
Q: I just bought two hunting rifles. Will they be covered under my homeowners insurance? Read Answer

Flood Insurance
Q: I don't live near water—is there any reason why I would need flood insurance? Read Answer

Historic Homes
Q: Do I need special insurance if I own a historic home? Read Answer

Home Under Construction
Q: I'm building a new home. Do I need to insure it while it's under construction? How do I insure it? Read Answer

Hurricanes
Q: My home was completely destroyed in a hurricane. Will my insurance company pay my living expenses until I can rebuild? Read Answer

In-law Apartments
Q: My house contains an in-law apartment. Does this raise any issues with my homeowners insurance? Read Answer

Jewlery & Art Coverage
Q: Can you get specific insurance for jewelry or art? Would that be covered under a homeowners policy? If so, why do people buy additional insurance for these items? Read Answer

Manufactured Homes
Q: Is it true that manufactured homes are safer than they used to be? Read Answer

Property's Exterior
Q: How much of the exterior of my property is covered by homeowners insurance—fencing, driveway, etc.? Read Answer

Renting Out Your Home
Q: I want to rent out my home. Are there insurance issues to consider? Read Answer

Roommate's Renters Insurance
Q: My friend and I share an apartment. Will her renters policy cover my possessions? Read Answer

Security System Lowers Premium
Q: If I install a home security system, will my insurance premium go down? Read Answer

Timing on Claims
Q: How long does an insurance company have to pay on a claim (such as a theft under my renters insurance)? Are there laws stating a certain period of time that a company would have? Read Answer

When to Buy Flood Insurance
Q: I am buying a home and there is a creek in the backyard. Does this mean I need flood insurance? Read Answer

Yard Coverage
Q: I purchased several expensive shrubs and trees to plant in my yard. Are these covered under my homeowners insurance? Read Answer