Car
Does Insurance Cover Items Stolen From Your Car?
Car insurance usually does not cover belongings stolen from your car, but homeowners or renters insurance often does. Learn which policy pays for what after a break-in and how to file.
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Home
Does Home Insurance Cover Sinkholes?
Standard homeowners insurance excludes sinkholes as earth movement, but coverage varies dramatically by state. Learn Florida’s special rules, the catastrophic-collapse vs. sinkhole-activity distinction, and how to get coverage.
Home
Does Home Insurance Cover a Swimming Pool?
Homeowners insurance covers a swimming pool as a structure and through liability coverage, but the liability exposure is the real concern. Learn the attractive nuisance doctrine, safety requirements, premium impact, and why umbrella coverage matters.
Home
Does Home Insurance Cover Sewer Backup?
Standard homeowners insurance usually excludes sewer and drain backup, but an inexpensive water backup endorsement covers it. Learn why it’s excluded, how the add-on works, how it differs from flood coverage, and how to protect your home.
Home
Does Home Insurance Cover Foundation Repair?
Homeowners insurance covers foundation damage only when a covered peril like a burst pipe causes it, not earth movement, settling, or gradual damage. Learn the cause-based rules, the earth movement exclusion, and how to protect your foundation.
Home
Does Home Insurance Cover a Trampoline?
Homeowners insurance treats trampolines as a major liability risk, some cover them, some require safety measures, some exclude them entirely. Learn the attractive nuisance doctrine, insurer safety requirements, and how to keep coverage.
Home
Does Home Insurance Cover Termite Damage?
Homeowners insurance almost never covers termite or pest damage, treating it as a preventable maintenance issue. Learn why it’s excluded, the rare ensuing-loss exceptions, which pests are excluded, and how to protect your home.
Home
Does Home Insurance Cover a Home Business?
Homeowners insurance covers a home business only minimally, capping business property around $2,500 and excluding most business liability. Learn the gaps and the three ways to properly cover a home-based business.
Home
Does Home Insurance Cover Power Surge Damage?
Homeowners insurance covers power surge damage when it comes from a covered peril like lightning, but usually not internal surges without an equipment breakdown endorsement. Learn what’s covered and how to protect your electronics.
Home
Does Home Insurance Cover Burst Pipes?
Homeowners insurance generally covers burst pipes when the failure is sudden and accidental, paying for the resulting water damage. Learn the sudden-vs-gradual rule, why the pipe itself isn’t covered, and the frozen-pipe negligence trap.
Home
Does Home Insurance Cover Theft?
Home insurance covers theft through personal property coverage, reimbursing stolen belongings and repairing break-in damage. Learn the sublimits on jewelry, off-premises coverage that follows you anywhere, and how payouts are calculated.
Home
Does Home Insurance Cover a Tree Falling on Your House?
Homeowners insurance covers a tree falling on your house when a covered peril like wind or lightning caused it, but not a dead or neglected tree. Learn how removal coverage works, the neighbor rule, and what to do after a tree falls.