Pat Howard is a licensed insurance professional specializing in home insurance. He is a former managing editor at Policygenius, where he wrote, edited, and conducted data studies, which were ...

Standard homeowners insurance doesn't cover everything — most policies don't pay for damage caused by flooding, earthquakes or normal wear and tear, for example. Some perils can be covered by ...

Allstate is the second-largest homeowners insurance company in the U.S. When you request a quote, Allstate suggests three different levels of coverage to choose from. You can further customize a ...

Lemonade homeowners insurance covers loss of or damage to the structure of your home and belongings from risks, or “perils.” Policies cover perils including fire, lightning, windstorm ...

DIC insurance policies can also cover perils that are typically excluded from home insurance coverage, such as floods, earthquakes and landslides. Because it is generally designed for high-risk ...

HO-1 insurance is the most bare-bones policy. It covers the structure of your home and attached structures from a limited number of covered perils, but doesn't include personal property (clothes ...

Homeowner’s insurance protects your home if it is damaged by a covered peril such as fire, burglary, or a tree falling on it. Homeowner’s insurance premiums are typically paid annually ...

Under most standard homeowners insurance policies, fire is one of the covered perils. Homeowners insurance typically covers damage from the fire itself, as well as smoke damage. For example ...

Home insurance companies are either raising rates ... "It's important to remember that the purpose of insurance is to protect you from covered perils. If you have legitimate snowstorm damage, it ...