A home break-in and robbery are terrifying experiences likely to leave you feeling angry and vulnerable. After all, your home is your sanctuary — the place where you expect to feel safest, and where you expect your belongings to be safe as well. Fortunately, most homeowners insurance policies cover repair costs for property damage caused by a home break-in as well as the loss of your personal property due to theft. In fact, the coverage could extend beyond your home to other buildings on your property, and even to other locations where you store your belongings. Does homeowners insurance cover theft and break-ins? The specific coverage provided by your homeowners insurance depends…

Damage to your home’s foundation can cost thousands of dollars and threaten the structural integrity of your home. Luckily, your home insurance covers this type of damage under certain circumstances. Does home insurance cover foundation repairs? Your home’s foundation falls under the dwelling coverage portion of your homeowners insurance policy. This part of your policy protects your home’s physical structure if it’s damaged in a covered incident. When it comes to whether your dwelling coverage will pay for foundation repairs, the short answer is: It depends. A standard homeowners insurance policy covers a number of perils, including windstorms, tornadoes, hailstorms, lighting, falling trees, vandalism, and fire. If your foundation damage is the result…

Searching for homeowners insurance in Central Oregon? If so, you’ve come to the right place! In this article, we will offer you more information on homeowners insurance policies and which one is right for you. Types of homeowners insurance  Your home insurance choice depends on the structure of your home and your needs. If you’re a renter, you may not need the same type of coverage as a homeowner, and if you’re a homeowner, you won’t need the same protection as a landlord. Here are the eight forms of homeowners policies: HO-1: Basic form Best for: Any homeowner who wants minimum coverage An HO-1 policy covers your home and personal property inside your…

Being a homeowner can be an adventure, especially when a sewer line breaks! When this happens, one of the most common questions that people have is if homeowners’ insurance covers sewer lines. In this post, we will answer this question and provide you with insight into how to handle a sewer line break at your property. No, Homeowners Insurance Doesn’t Cover Sewer Lines Sadly, no homeowner’s insurance doesn’t cover sewer lines but in some cases, a homeowner can get a special endorsement that extends the homeowner’s insurance coverage to the sewer line. When does homeowners insurance cover sewer lines? While sewer line damages are typically excluded from coverage in a…