Coverage Questions

Insuring a vacation home

Like any residence, your vacation home needs to be insured—but because the risks are different, the coverage might cost more than your primary homeowners policy. Before you leap into second-home ownership, consider the factors that will likely affect the price you’ll need to pay for insuring it.

Earthquake insurance for homeowners

Earthquakes and coverage

Earthquakes can cause much harm to home structures. They can damage housing foundations and collapse walls; even relatively mild tremors can destroy furnishings and belongings.

Insurance for landslides and mudflow

Aside from the danger of flooding, heavy rainfall can also lead to mudflow, basically creating a river of mud; and landslides, which are caused by the movement of the destabilized land—due either to gradual erosion or an accumulation of water.

Don’t confuse mudflows with mudslides as there are distinct differences.  Mudslides occur when a mass of earth or rock moves downhill, propelled by gravity. They typically don't contain enough liquid to seep into your home, and they aren't eligible for flood insurance coverage. In fact, mudslides are not covered by any policy.

Water and flood damage: What is and is not covered

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Water can damage your home in many ways. Do you know what is covered and what isn't? This video explains the different types of coverage from burst pipes to torrential floods.

Spokespersons: Jeanne M. Salvatore, Insurance Information Institute; Ed Connor, National Flood Insurance Program.


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Social host liability

Whether you're hosting a Super Bowl party for 50 or greeting the New Year with a few friends, if you're planning to serve alcohol at your home take steps to limit your liquor liability and make sure you have the proper insurance.

Coverage for renting out your home

Before renting out your home, your first step should be to call your insurance agent.

Can I own a home without homeowners insurance?

Legally, you can own a home without homeowners insurance. However, in most cases, those who have a financial interest in your home—such as a mortgage or home equity loan holder—will require that it be insured. And, for your own ongoing financial protection, you'll want your home to have adequate homeowners coverage, as well.

Which disasters are covered by homeowners insurance?

Standard homeowners policies cover a wide range of potential disasters, from tornadoes to lightning strikes to winter storm damage. Policies do vary, though, so for your own peace of mind, check yours for the specific perils covered. Learn what's generally covered by each homeowners insurance policy type—and what's not.

Do I need flood insurance for my home?

Standard homeowners and renters insurance does not cover flood damage. Find out if you need flood insurance and learn where to get it.

Insuring a co-op or condo

Because co-op and condominium owners share their building structures, two policies—a master policy and an individual policy—are required to fully protect all parties involved. Learn more about insuring a co-op or condo.

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