​Homeowners insurance is what most lenders require you to have. It is a type of property insurance that covers losses and damages to your home and assets. Knowing the insurance coverage is essential, but how can you know if you have enough?

​Home insurance covers casualties or losses and damages to an individual's house and assets in the home. This insurance is what most lenders usually will require you to have. Whether your property is new or old, fire, hurricanes, floods, burglary, and other mishaps might occur. 

​Do you own a condominium unit? If yes, are you wondering if your homeowner’s insurance will cover you during accidents in your condo? In case of fire or theft, will you be able to make your insurance company pay for the damages or cost of equipment or possessions? In this article, we will discover the reasons why your homeowner’s insurance cannot be used to cover condominium unit accidents. 

​Homeowners' insurance is property insurance that usually covers damages to a person's residence, furniture, and properties. Accordingly, it covers damaged appliances, like air-conditioning units, but only if a hazard covered by the policy causes it. 

​There is always a chance of flooding, even if you live in a relatively dry section of the country. The damage from a basement flood may seem like your homeowner's insurance would cover it, but most policies specifically exclude floods, especially flooding induced by natural disasters.

Treatment depends on the cause of the water damage in your basement; basic homeowners insurance could pay for the repairs. On the other hand, if a flood damages your basement, it's highly unlikely that your insurance will pay for the repairs.

​Vintage houses hold memories and witness every chapter of one's life. This entry will guide you in choosing the perfect home. 

Home insurance is a comprehensive insurance policy that may secure your interests, home property, and possessions. In either event of loss or any damages, this may cover your expenses. Plus, it may protect you from financial losses if something occurs to your property. 

You don't have to dwell on

​Assets and properties come with unexpected liabilities, but insurance may cover them. Owning a home is a handful of work, and maintaining it is costly and time consuming. A smart decision for homeowners is acquiring a plan to keep the estate safe.

​Winter is a period that most people look forward to for various reasons. For some, it means family time, vacation, and festivity. These reasons seem nice, but the period has cons, such as the possible freezing of your pipes at home.

Frozen pipes during this period are no fun at all, so here is how you can prevent this from happening in several ways:

​Owning a house is one of the most significant accomplishments in life and a lifelong goal for some. Such an investment requires a lot of hard work and saving. And when this goal finally comes true, there is no greater joy.

Still, anything can happen, and if something terrible happened to the house, you would lose all of your hard work and effort. To protect your home, you should get homeowner's insurance. Keep reading to learn about its advantages.

​If you are purchasing a property or live in a flood-prone area, you will probably be required to purchase flood insurance under the National Flood Insurance Program (NFIP). To obtain flood insurance, you'll need an elevation certificate because it's essential to document certain property elements, such as the flood zone, location, and elevation of the lowest level. 

A land surveyor's elevation certificate is used to establish how vulnerable your property is to flooding in the event of a flood. It provides insurance companies with the information they need to determine how much flood insurance to charge.