Homeowners Insurance

A deductible is what you pay before insurance pays — how the premium trade-off works.

Floods, quakes, neglect, pests, and backups aren’t covered — and how to fill each gap.

Homeowners covers jewelry only to a low sub-limit; schedule valuables with a rider for full protection.

Standard homeowners usually excludes sewer line/backup damage — add water-backup and service-line endorsements.

Water damage from a sudden water heater burst is covered — but not the unit itself.

Homeowners liability usually covers dog bites, but breed and history exclusions are common.

A fence is covered under ‘other structures’ for covered perils — not rot or wear.

Foundation repair is covered only from a sudden covered peril — not settling, soil, or age.

Sudden plumbing bursts and their water damage are covered; gradual leaks and the worn pipe are not.

Tree removal is covered (usually $500–$1,000) only if a covered peril felled it and it hit a structure.