what does homeowners insurance cover Archives

Homeowners Insurance Won’t Pay For Bed Bugs

November 16, 2013February 11, 2014 Guest Author

According to the “2013 Bugs Without Borders Survey” from National Pest Management Association (NPMA), nearly 100 percent of the pest control companies that responded said they had worked on one or more bed bug infestations in 2012. Bed bugs are found almost anywhere people sleep — homes, hotels, motels and college dorms. Your challenge as a homeowner is that your insurance doesn’t cover the damage done by bed bugs, or any destructive insect. A Little Bug Causes Big Headaches They are small, wingless creatures that feed on the blood of…

Home warranties vs. home insurance: What are the benefits?

June 2, 2013February 13, 2014 Guest Author

Owning a home comes with a lot of responsibility in terms of protecting your belongings and the house itself. Having a home warranty and insurance coverage can relieve some of the stresses that come with leaky plumbing and broken appliances. There is definitely a risk associated with choosing to use a home warranty or insurance company, but should something major happen, having one or both of these services can save a lot of money. The main difference between a warranty and homeowners insurance is that home warranties cover appliances and systems…