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Home insurance articles

What a homeowners policy pays for, and the gaps it leaves.

What Does Homeowners Insurance Cover? Coverage A-F ExplainedHomeowners insurance covers your house, other structures, belongings, extra living costs and liability. Flood, earthquake and wear and tear aren't covered.11 min read

What Is Dwelling Coverage? Coverage A ExplainedDwelling coverage (Coverage A) pays to repair or rebuild your house. Set the limit at rebuild cost, not market value, and insure at least 80% of it.11 min read

How to Get Insurance to Pay for Roof ReplacementInsurance pays for a new roof only when wind, hail or another covered peril damages it, not age. Older roofs may be paid at depreciated value. Here's how.13 min read

Does Homeowners Insurance Cover Tree Removal?Usually only if a storm drops a tree on your home, fence or driveway. Standard policies cap removal at $500 per tree and $1,000 per storm. Rules here.10 min read

Flood Zone X Meaning: Shaded, Unshaded and X500 ExplainedFlood zone X means moderate-to-low flood risk outside FEMA's high-risk areas. Shaded vs unshaded X, X500, insurance rules, costs and how to check.11 min read

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