Q&A Reference
Home Insurance Questions
Start with the question you need answered. The guides explain what to check in your policy and what to ask an insurer, rather than promise a claim outcome.
Coverage and damage
Perils, exclusions, water, roof, wind, hail, earthquake and property protection
- Does homeowners insurance cover a fallen tree?
- Does Homeowners Insurance Cover Earthquake Damage?
- Does homeowners insurance cover flooding?
- Does homeowners insurance cover mold?
- Does homeowners insurance cover roof damage?
- Does homeowners insurance cover sewer or drain backup?
- Does homeowners insurance cover theft?
- Does homeowners insurance cover water damage?
- Does homeowners insurance cover wildfire damage?
- Does Homeowners Insurance Cover Wind and Hail Damage?
- How does loss-of-use coverage work?
- What does homeowners insurance cover?
Cost decisions
How premiums are determined, deductibles, and settlement methods
Buying and understanding a policy
Policy forms, renewal, cancellation, warranties, dwelling limits and effective dates
- HO-3 vs. HO-5: What should you compare?
- Home Insurance Cancellation vs. Nonrenewal: What to Do Next
- Home Warranty vs. Homeowners Insurance: Different Protection
- How much dwelling coverage should you discuss?
- Landlord vs. homeowners insurance: Which use are you insuring?
- Replacement cost vs. actual cash value: What's the difference?
- What should first-time buyers know about home insurance?
- What should you ask when insuring an older home?
- When does home insurance coverage start?
Claims preparation
Documentation and steps to prepare before contacting your insurer