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homeowner’s insurance

Homeowner’s insurance is extremely important in protecting your home from damages or other losses. It is essential to have in case of a disaster, robbery, or other instance. However, there may be things in your policy that are not covered that you are unaware of.

In this article, we will discuss what items or events may not be covered under your homeowner’s insurance policy. No home should be without insurance. Therefore, knowing what to look for in your policy can help you get the best possible coverage without any surprises down the line. To get more information on the subject, reach out to so that we can assist you in picking the best insurance coverage.

If the water damage was caused by something gradual and ongoing, it will most likely not be covered.

Does Your Home Insurance Cover Water Damage?

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Regardless of the cause of the water damage in your home, it can cost you a significant amount of money. Though there can be numerous reasons of water damage, pipe burst, severe weather, and floods are the common ones. It can also affect your home in the form of sneaky leaks such as drip outs and condensation.

According to some recent data, one in fifty insured homes file claims for water damage each year. If you leave water damage untreated, it may lead you to several other problems including foundation cracks and mold. This makes finding out if your homeowner’s insurance covers water damage or not extremely important.

Here is everything you should know about water damage claims (when it is covered and when it is not).

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trampoline safety

Getting a Pool or Trampoline May Lead to Higher Homeowner’s Insurance Costs

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When was the last time you reviewed your homeowner’s insurance policy?

If you haven’t for quite a while, now would be a good time to do it and find out whether your house has decreased or increased in value. In fact, it is one way to prepare you for the due property taxes.

Although you may have kept the coverage in place, it may increase your homeowner’s costs if you have made any purchases or upgrades such as trampoline or an aboveground pool.

Of course, the purchases seem like good additions and make your home more relaxing and livable; however, they often lead to higher homeowner’s insurance cost. This is perhaps the reason why professionals emphasize on considering your insurance policy before adding these fun elements to your home.

If you’re interested in learning more about how home improvements may increase your homeowner’s insurance costs, keep on reading.

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Is your home really safe with insurance?

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Having homeowners insurance is important, but is your home really safe and sound with your homeowners’ insurance policy? Homeowners insurance is supposed to protect your home from property damage and other losses. It should also include a liability provision in case someone is injured while on your property. While this sounds good, there are some things that may not be covered:

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commercial auto insurance

Switch to Commercial Auto Insurance for Your Home Business

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You operate your own startup business from your home office or garage. Over the past year, you have experienced great success and are starting to struggle to keep up with orders. Whether you are crafting furniture, producing a delicious line of jellies, or providing consulting services for professionals downtown, you need a vehicle to get work done. Should you just keep using your standard auto insurance, or should you be looking at a commercial auto policy?

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A home security system could help you save money on home insurance.

Top 5 Security Upgrades Recommended by Home Insurance Professionals

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Do you live in an area that has high home insurance premiums? This is due to the crime rate, population density, and the likelihood that you will suffer a break-in or vandalism. Some insurance providers offer discounts to customers when they add security upgrades to their property. Which ones are most recommended to help fight crime and lower rates?

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home insurance quotes

Home Insurance: Is it Required by Law?

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A home is one of the most valuable purchases that you are ever going to make. In addition to being a location where you are going to make a bunch of memories, it is also a valuable financial investment. If something were to happen to your home, would you be able to cover the value of your home with cash? The likely answer is no. That is why it is important to find home insurance. At the same time, is home insurance actually required by law? There are a few important points you should keep in mind.

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value increase for home, get new insurance quotes

Home Insurance: What if Your Home Goes Up in Value?

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Your home is one of the most valuable investments you will ever make. Of course, you are going to make a lot of great memories in your home. At the same time, you probably expect the value of your home to go up with time. Therefore, if your home increases in value, do you need to purchase more home insurance? The answer is that it depends.

But let’s start with this question: Why did your home increase in value?

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