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How well do you know your Homeowners Insurance policy? Do you know which coverages are the most suitable for you and your home? Do you understand exactly how home insurance protects your home and belongings?
We understand that you may not have the time for a deep dive on all things homeowners insurance, and so we are committed to giving you all of the information you need to make an informed decision about which type of coverage is most suitable for you. By the end of reading this, we promise you will be well-prepared to take out a new policy or to review what you already have in place, equipped with the information you need in order to choose the best coverage.
Home insurance divides coverage into five categories:
Dwelling coverage covers the house itself and adjoining structures on the same land, whether they are connected to the house or not. It also covers materials for repairing and rebuilding these structures.
If you are an apartment owner and have an HO-6 policy, you will not need coverage for the entire building, but you can use dwelling coverage to protect interior walls and floors and the entire fixed structure of the property.
Other structures cover structures on the premises of the residence that are separate from your dwelling, such as a fence or shed.
If used for commercial purposes or rented to non-tenants, the structures will be excluded from the policy. The exception to this is renting garage space to a non-tenant.
Personal Property policies financially protect your belongings inside your home and even better– outside too. If you choose, it may also apply to property belonging to third parties, such as guests or employees who live in your residence.
Off-premises property shown on the returns is covered for up to 10% of the coverage limit or $1,000, whichever is greater. The restriction does not apply:
Properties specifically excluded from coverage:
Loss of use offers three types of coverage:
Personal liability coverage protects you in case your actions cause bodily harm or property damage to other people (and your things), in your home and elsewhere.
Therefore, it protects you if you are legally responsible for paying for something that happened to someone else. Some situations where you might be held responsible:
In these cases, with liability coverage you guarantee payment for attorney costs, in case you need to go to court. Your insurer will pay the damages for which you are held liable. With this coverage, the medical costs of the injured person will also be covered.
It’s always important to know the breadth of your coverage, but even the broadest homeowners policy doesn’t cover everything that can go wrong with your home. A good example is that no insurance company will reward you if you intentionally damage your home, or if the damage is a result of lack of maintenance. Homeowners policies also usually exclude damage from other causes, such as:
However, there are coverages for almost all of the examples listed above. Flood and earthquake insurance is available separately, and in hurricane-prone states, you may also need windstorm insurance.
And if there are still doubts, don’t be shy! Reach out! We are on Twitter, Instagram and Facebook. We can also chat via whatsapp. For those who prefer the good ol’ days, you can call here or stop by to visit and grab a cup of the best coffee around!
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March 29, 2022
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Coverage for damages from a heating oil spill is not included in a Homeowners Insurance policy. In this article, we list everything you need to know about heating oil spills in your home and how to protect yourself from damages.
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March 28, 2022
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Learn all about Homeowners Insurance and how it can protect your dream home and your family in Uncle Sam's land.
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We firmly believe that the internet should be available and accessible to anyone, and are committed to providing a website that is accessible to the widest possible audience, regardless of circumstance and ability.
To fulfill this, we aim to adhere as strictly as possible to the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA level. These guidelines explain how to make web content accessible to people with a wide array of disabilities. Complying with those guidelines helps us ensure that the website is accessible to all people: blind people, people with motor impairments, visual impairment, cognitive disabilities, and more.
This website utilizes various technologies that are meant to make it as accessible as possible at all times. We utilize an accessibility interface that allows persons with specific disabilities to adjust the website’s UI (user interface) and design it to their personal needs.
Additionally, the website utilizes an AI-based application that runs in the background and optimizes its accessibility level constantly. This application remediates the website’s HTML, adapts Its functionality and behavior for screen-readers used by the blind users, and for keyboard functions used by individuals with motor impairments.
If you’ve found a malfunction or have ideas for improvement, we’ll be happy to hear from you. You can reach out to the website’s operators by using the following email
Our website implements the ARIA attributes (Accessible Rich Internet Applications) technique, alongside various different behavioral changes, to ensure blind users visiting with screen-readers are able to read, comprehend, and enjoy the website’s functions. As soon as a user with a screen-reader enters your site, they immediately receive a prompt to enter the Screen-Reader Profile so they can browse and operate your site effectively. Here’s how our website covers some of the most important screen-reader requirements, alongside console screenshots of code examples:
Screen-reader optimization: we run a background process that learns the website’s components from top to bottom, to ensure ongoing compliance even when updating the website. In this process, we provide screen-readers with meaningful data using the ARIA set of attributes. For example, we provide accurate form labels; descriptions for actionable icons (social media icons, search icons, cart icons, etc.); validation guidance for form inputs; element roles such as buttons, menus, modal dialogues (popups), and others. Additionally, the background process scans all of the website’s images and provides an accurate and meaningful image-object-recognition-based description as an ALT (alternate text) tag for images that are not described. It will also extract texts that are embedded within the image, using an OCR (optical character recognition) technology. To turn on screen-reader adjustments at any time, users need only to press the Alt+1 keyboard combination. Screen-reader users also get automatic announcements to turn the Screen-reader mode on as soon as they enter the website.
These adjustments are compatible with all popular screen readers, including JAWS and NVDA.
Keyboard navigation optimization: The background process also adjusts the website’s HTML, and adds various behaviors using JavaScript code to make the website operable by the keyboard. This includes the ability to navigate the website using the Tab and Shift+Tab keys, operate dropdowns with the arrow keys, close them with Esc, trigger buttons and links using the Enter key, navigate between radio and checkbox elements using the arrow keys, and fill them in with the Spacebar or Enter key.Additionally, keyboard users will find quick-navigation and content-skip menus, available at any time by clicking Alt+1, or as the first elements of the site while navigating with the keyboard. The background process also handles triggered popups by moving the keyboard focus towards them as soon as they appear, and not allow the focus drift outside of it.
Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
We aim to support the widest array of browsers and assistive technologies as possible, so our users can choose the best fitting tools for them, with as few limitations as possible. Therefore, we have worked very hard to be able to support all major systems that comprise over 95% of the user market share including Google Chrome, Mozilla Firefox, Apple Safari, Opera and Microsoft Edge, JAWS and NVDA (screen readers), both for Windows and for MAC users.
Despite our very best efforts to allow anybody to adjust the website to their needs, there may still be pages or sections that are not fully accessible, are in the process of becoming accessible, or are lacking an adequate technological solution to make them accessible. Still, we are continually improving our accessibility, adding, updating and improving its options and features, and developing and adopting new technologies. All this is meant to reach the optimal level of accessibility, following technological advancements. For any assistance, please reach out to