Does homeowner’s insurance cover a cracked foundation?
No. Earth movement and earth “settling” are not covered by homeowners insurance or any property insurance policy.
-
Address: 8665 Sheridan Dr, Williamsville, NY 14221
-
Phone: (716) 684-3203
-
Email: tom@larseninsurance.com
Who do you trust to handle your financials in real estate?
Who do you trust to handle your financials in real estate? When you want to refinance – who do you trust? When it comes to evictions or law work – who do you trust? When it comes to realtors, who…
If My Insurance Policy Could Talk to Me.
If My Insurance Policy Could Talk to Me. You bought me when you 1st bought the house, as the bank would not lend money without home owner insurance. That makes total sense to me and I am also protecting perhaps…
Who else has remodeled their basement?
Who else has done some sort of remodel to their basement? Recreation room, TV room, Theater room, wine room? Did you know that most all homeowner insurance policies carry a “sub limit” on water/sewer back up? On some it may…
Homeowner’s Insurance Basics
Money Magazine recently published an article about homeowner’s insurance – which gives a good explanation of coverage’s. It is a good start, especially for new home buyer’s without a prior home insurance policy. While I don’t agree with their…
Mixed Use Properties Means Some Retail, Some Apartments.
When it comes to commercial property risks, not all insurance companies want or can insure a mixed-use building. Mixed-Use means there is some commercial space and some apartment space in the same building. It could be a retail store, an…
Beware the cute commercials, like the “She Shed” one.
Cute doesn’t exactly explain how the coverage’s apply. Is the “other structure” (in this case a garage called “other structure” on your homeowners insurance, could be a shed too) covered in this fire loss – yes. But what about the…
Get a new puppy this year?
Were you surprised with a new puppy this holiday? With 70% of households owning dogs, homeowner’s often do not think about dog bites or being sued. This has been an ever increasing liability issue & lawsuits from aggressive dogs. In…
Garage Coverage or She Shed Coverage
With some insurance commercials calling a backyard shed a “she shed” in insurance terms it is an “other structure”. So that she shed is covered by 10% of what the building is covered for in 99% of the insurance policies.…
Underground Utility or Service Line Coverage Available
Most consumers still don’t know there is an endorsement to a homeowner policy called – Underground Utility or Service Line Coverage. Since some of the national insurance companies don not offer this yet, it isn’t widely known homeowner coverage available. For…