28 articles
Home Insurance guides, page 2 of 3.
home insuranceOhio is one of the more affordable states to insure a house in. The claims that actually cost Ohio homeowners money are hail and sewer backup, and one of those is excluded by default.
home insuranceColorado renters face the country's worst hail belt and a wildfire risk that reached the suburbs. What a standard policy covers here, and the gaps to close.
home insuranceIndiana renters pay some of the lowest premiums in the country and have some of the weakest statutory remedies against a landlord. That combination changes what you should buy.
home insuranceYour appliances are covered against fire and flood damage, never against simply failing. And the landlord's dishwasher flooding your flat is a different claim entirely.
home insuranceYour bike is covered wherever it is stolen from, but sublimits and the deductible frequently make the claim pointless. And e-bikes are often excluded entirely.
home insuranceElectronics are covered against theft and named perils, but they depreciate faster than anything else you own. The setting that decides what you actually get.
home insuranceFire is the peril renters insurance handles best. Smoke without flame, firefighting water, hotel costs, and the liability claim if the fire started with you.
home insuranceRenters insurance covers mold only when it grows from a sudden covered leak, and usually caps it near $5,000. The test adjusters apply, and how to pass it.
home insuranceRenters insurance follows your belongings into a storage unit, but usually caps off-premises cover at 10% of your contents limit and drops several perils.
home insuranceHazard insurance is not a separate policy. It is the dwelling part of your homeowners insurance, and it is the part your lender actually cares about.
home insuranceA straight answer to the twelve questions renters actually ask: fire damage, robbery, bike theft, electronics, appliances, car break-ins, injuries and hotel costs.
home insuranceEarthquake is excluded from every standard renters policy. Buying it back costs less for renters than owners, and loss of use is usually the bigger benefit.