Blog category · 3 articles
Home Insurance Articles
What a homeowners policy covers, what it excludes, and the endorsements that close the gaps — read from the policy language and regulators.
- Home Insurance · USCondo Insurance (HO-6) vs the HOA Master Policy: What You Insure YourselfThe association insures the building; you insure what it does not. Where that line falls depends on one sentence in your governing documents. Here is how to find it, size your HO-6, and meet the lender's condo insurance rules.13 min read
- Home Insurance · CanadaCondo Insurance in Canada: What the Corporation's Policy Covers and the Deductible You Can Be ChargedThe corporation insures the building, but a water leak from your unit can put its whole deductible on your bill. How Ontario, British Columbia and Quebec each decide who pays, with worked examples in Canadian dollars.23 min read
- Home Insurance · USHow Much Homeowners Insurance Does Your Mortgage Lender Require?The lender does not pick a number. It tests your policy against replacement cost, a deductible ceiling and a named-mortgagee clause. Here is each test, the flood exception, and what Massachusetts law says about a lender asking for more.16 min read