Most homeowners policies will cover business losses up to a certain amount. In most policies, the business items are insured up to a value of $2500 if they are in the home or insured structures and $250 if the items are not stored at the home. If your lost…

Your insurance company cannot make you replace your roof or make any other structural changes. If your roof is in need of repair, however, the insurance company can refuse to renew the policy if repairs are not made. In this circumstance, the insurance company…

No matter how many insurance policies you have for your home, you cannot collect more than the amount of damages, so filing with more than company will not accomplish much. In fact, if you have 2 policies in effect at the time of the damages, you may have…

If your home is damaged by a covered peril, your first course of action is to document the damage. Once that is done, take any steps needs to provide emergency repairs to the home, such as covering broken windows or boarding over a damaged door. Once the…

Replacing a roof is expensive, and insurance companies have to keep costs down to a reasonable amount in order to continue protecting your property against future claims. In most cases, the damage resulting from a single storm is not going to damage your…

Under normal circumstances, your personal property, including recreational equipment such as bicycles, is covered under the personal property portion of a homeowners or renters insurance policy. The problem is, your bike may not qualify for coverage if you…

Most standard homeowners policies include water damage, but you should still read through your policy carefully to make sure that water damage has not been excluded from your policy. Another factor that needs to be considered is whether the water damage is…

When a claim of this sort is filed, the insurance company will perform an investigation. They will examine the wall and investigate any vehicles owned by your or your immediate neighbors for possible identification of the car that caused the damage. They…

Your homeowners insurance covers the home, other buildings on the property, and your personal property. Property is usually referred to in a home insurance policy as the "contents," and includes everything from your jewelry to your CD collection and the pictures…

Generally, your homeowners insurance should cover any property damage done by your kids. This may or may not include intentional destruction, according to how your policy is written and the type damage incurred. Your insurance may cover personal items that…