homeowners

House fires can occur in any part of any home. Most home fires occur in the kitchen while cooking and are the leading cause of injuries from fires across most demographics. Common causes of fires (at any time of day or night) are carelessly discarded cigarettes or matches, sparks from fireplaces without spark screens or […]

Part one discussed how a typical homeowner policy covers buildings and structures. Now let’s look at Coverage Part D, which is also a property coverage; as well as Coverage Parts E and F. These latter parts address coverage for injuries to persons or damage to property that belongs to others. Coverage D, Loss of Use […]

Generally, a homeowners insurance policy includes at least six different coverage parts. The names of the parts may vary by insurance company, but they typically are referred to as Dwelling, Other Structures, Personal Property, Loss of Use, Personal Liability and Medical Payments coverages. They are usually presented as policy sections and are often labeled Coverages A […]