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Your home insurance company could deny removal coverage if a tree falls in the following situations: During a flood. During an earthquake. If the tree is dead. If the tree is rotted. If the tree ...
HO-3 and HO-5 insurance policies (the most common types of coverage) provide dwelling coverage on an open perils basis, which means any loss that is not explicitly excluded from your policy is ...
Personal property coverage: This coverage makes up a large portion of your homeowners insurance and is designed to replace your home’s contents after a covered peril, including clothing ...
The most basic home insurance policy is an HO-1, which provides coverage on the structure of your home. An HO-2 is a step above the HO-1, as it covers your home and personal belongings for named ...
Other structures coverage: This portion of your policy is designed to financially protect structures on your property that stand separate from your home. This typically includes fences, alongside ...
The most common type of homeowners insurance is the HO-3 Special Form policy, which covers your home, your personal property, liability, additional living expenses and medical payments.
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