Home Sweet Home Insurance: Protecting What Matters Most

It covers some, like windstorms and hail, but typically excludes floods and earthquakes. Separate policies are needed for those specific disasters.

Inspections help insurers assess the condition of your home to identify potential risks, ensure adequate coverage, and verify information provided in your application.

While not legally required, it's highly recommended to protect your investment against potential losses and liabilities.

Yes, you should switch to a landlord insurance policy, which covers different risks associated with renting out property.

If the leak is caused by a covered peril like a storm, it may be covered. However, damage from wear and tear or neglect is typically not covered.

You should have a policy in place before closing on the home to ensure coverage from day one, as lenders usually require proof of insurance.

Shop for a new policy, align the start date with the cancellation date of your current policy, notify your mortgage lender, and ensure continuous coverage to avoid lapses.

Increase your deductible, bundle policies, improve home security, maintain a good credit score, and ask about available discounts.

A broker is a licensed professional who can help you find and purchase insurance policies from various companies, providing personalized advice and options.

Homeowners insurance covers both the structure and contents of the home, as well as liability. Renters insurance covers only the personal belongings and liability of the tenant, not the physical structure.