How often should I review my homeowners policy?
Review annually and after major changes or upgrades.
Do I need separate coverage for high value items?
High value items often require scheduling for full protection.
Does insurance cover foundation damage?
It depends on the cause since settling and wear are usually excluded.
Are home businesses covered under homeowners insurance?
Coverage is very limited and often requires separate protection.
Is loss of use coverage included?
Many homeowners policies include additional living expense coverage.
Is identity theft covered under my homeowners policy?
Most policies exclude it but optional endorsements may be available.
How are dwelling coverage limits chosen?
They are based on estimated local rebuilding costs not market value.
Will my home remain covered during renovations?
Some renovations are covered while major changes require policy updates.
Does homeowners insurance cover sewer backup?
Not usually unless you add a sewer backup endorsement.
Am I covered if a tree falls on my neighbor’s house?
Liability coverage may apply if you are legally responsible for the damage.