Frequently Asked Questions

• What is homeowner’s insurance?
  Homeowner’s insurance policies cover damages to or destruction of your home and possessions that result from fire, theft, or other types of disasters. The insurance proceeds will help … more
• Am I required to have homeowner’s insurance?
  Maybe. The law of the state in which you live determines whether you are required to maintain homeowner’s insurance for your home. However, if you have a mortgage loan secured by … more
• Will homeowner’s insurance cover all of my personal property?
  No. There are some types of personal property, such as antiques, expensive jewelry, and coin collections, which your insurance policy might not cover, or might only partially cover. In … more
• Will homeowner’s insurance cover my vehicles?
  No. Vehicles are not included in a homeowner’s insurance policy. However, damages to your vehicles may be covered by your auto insurance policy. more
• Why does my homeowner’s insurance policy contain Additional Living Expense (“ALE”) coverage?
  If you are unable to use or live in your home while it is being repaired or rebuilt, ALE coverage will provide you with some extra benefits. For instance, ALE coverage can pay for the costs … more

Legal Articles

• How can I file a complaint against my homeowner’s insurance company?
  If you have a complaint with your homeowner’s insurance company, you should always first contact your insurance company and/or your insurance agent, and try to settle the matter informally. Make sure that you have read your insurance policy carefully, and that you have all of your facts straight before contacting the insurance company. If you are not satisfied with the … more
• What can I do to reduce my homeowner’s insurance costs?
  Homeowner’s insurance is required if you have a mortgage loan on your home, and even if you don’t, it is essential for your protection in case of losses or damages to your home. However, homeowner’s insurance can be a costly investment. Fortunately, there are a number of simple ways that you can reduce your homeowner’s insurance costs.   The most obvious … more

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