Insurance - Houseopedia, LLC

What Happens When Someone is Injured on Your Property?

When someone visiting your property gets injured, does your homeowners insurance cover their medical and other expenses? What if they...

Should You Pay the Money for Pet Insurance?

Nearly five million cats and dogs are covered by their owners with pet health care insurance, almost double the number...

Navigating Insurance When Dealing With Roof Damage

When your home's roof is damaged, one of your first calls will likely be to your insurance company. But the...

Climate Change is Driving Up The Cost of Your Insurance

Many Americans tune out coverage of climate change, thinking the risks it poses will affect them “someday.” But with dangerous...

Remember: Your Insurance Needs Change Over Time

Insurance provides financial protection against the possibility of loss. Over your lifetime, your obligations shift, and the types of losses...

Does Homeowners Insurance Cover Water Damage?

We welcome clean fresh water in our kitchens and bathrooms, but sometimes water arrives uninvited and causes damage. Will your...

Sewer Line Damage: Know the Signs

No one wants a sewage backup in their home or yard. Sewage line problems are destructive, expensive health hazards. How...

How Condo Insurance Differs from Homeowners Insurance

Homeowners insurance protects a home’s entire structure and the contents within. Condo insurance works differently. Here’s how to be adequately...

Insure Your Home at Replacement Cost

When choosing homeowners insurance, you have the option to insure your home at either market value or replacement cost. If...

Do You Need an Umbrella Insurance Policy?

Your property insurance agent may have recommended you add an umbrella policy to your homeowners or auto insurance policy. What...

Homeowners Insurers Shy Away From These Dog Breeds

Homeowners insurance companies paid out more than $800 million in dog bite and injury claims last year. Animal-related claims like...

If Your Neighbor’s Tree Falls on Your Property, Whose Insurance Pays?

To paraphrase an ancient riddle, if a tree falls on your house or car, it definitely makes a sound. But...

Your Rights with an Assistance or Service Animal

People who live with an animal that helps them with a disability or special need have certain rights under federal...

Don’t Be Scared Into “Peace of Mind” Warranties

The daily mail bombards us with warranty solicitations warning of dire costs for breakdowns in our homes and cars. Now...

Don’t Overlook Homeowners Insurance

When figuring how much house they can afford, homebuyers with little or no experience may focus solely on the principal...

Avoid Surprises in Your Homeowner’s Policy

It’s an unpleasant surprise when you find out your homeowner’s policy doesn’t cover something you thought it did. That’s why...

Homeowner’s Insurance: Review When You Renew

You may barely glance at your homeowner's insurance renewal each year, but that’s a mistake. Changes in your home or...

What to Do After Your Home Floods

No one can forget the horrible pictures of flooding along the Texas Gulf Coast after Hurricane Harvey, where tens of...

How to Inventory Your Possessions In Case of Emergency

Pictures of hurricane damage in coastal communities remind us that disaster can strike suddenly, destroying all our worldly goods. To...

Finding Ways to Save on Homeowners Insurance

Having homeowners insurance is a necessity, but there’s no reason to pay more in premiums than you must. Here are...

A Checklist: Being Prepared for Home Emergencies

Hurricanes, tornadoes, floods, and earthquakes strike indiscriminately, which means every homeowner should be prepared for life-threatening emergencies. Here are ten...

You Have a Warranty, But Are You Covered?

As a new homeowner, you may have received a home warranty from the builder or previous owners. It’s a nice...

Neighborhood Security: What You Should Know

Security is a concern in every neighborhood -- regardless of status or ZIP Code. Here are six things you can...

Navigating Homeowner’s Insurance and FEMA Claims

In the aftermath of a storm, it’s important for homeowners to have a game plan. Here’s a step-by-step guide to...

When a Storm Damages Your Home

If your home is significantly damaged by a storm, you will likely feel overwhelmed and confused just when you are...

When Disaster Strikes: Handling Flood and Fire Damage

Few things can be more wrenching and make you feel more vulnerable than when your home suffers major damage from...

It Pays Off to Study Up on Homeowners Insurance

Homeowners insurance policies can be difficult to read, but the information is crucial to your financial well-being, especially when tragedy...

Check Your Homeowners Insurance for Gaps in Coverage

Don’t wait until you need to file a claim to educate yourself on the ins and outs of homeowners insurance....

Fire Safety: Your Family is Counting on You

Although no one wants to contemplate a cherished home being destroyed by fire, it’s an important topic to address --...

Pools and Trampolines are Serious Business

Family time in a backyard pool or on a trampoline can provide hours of entertainment and many years worth of...

Pools and Trampolines: Beware of the Risks

Sure, pools and trampolines are fun. But homeowners who choose to put them in their backyards also face greater responsibility...

Homeowners Insurance: Risks Versus Costs

You never want to skimp on homeowners insurance, but there are ways to save money on those premiums without putting...

Always Read the Fine Print When Buying a Home Warranty

Home warranties often provide peace of mind to wary home buyers, but are they worth the cost? Let’s look at...