Last updated: February 1, 2020   Nobody expects their home to suffer damage, but unfortunately, accidents and the unexpected do happen. When these accidents occur, homeowners often file an insurance claim to cover the cost of repairing or replacing their damaged property. In fact, the Insurance Information Institute (iii) reports one in every 20 insured homes has a claim each year. Experiencing damage to your home can be costly and aggravating, and in some cases may not be covered under your home insurance policy. For example, should you experience a loss due to everyday wear and tear, there is a chance it will not be covered. Taking steps to make simple fixes to areas of your home may prevent major damage and disasters from occurring. Just like a check-up at your Doctor’s office, take some time to check-up on areas of your home and make simple fixes to significantly reduce the chances of a loss occurring. Here are a few areas to look at when conducting your home check-up:   Fi ...

Other Structures coverage, otherwise known as Coverage B on your homeowners insurance policy, which is typically the second line item on your policy declarations page. Other Structures coverage protects physical structures which are on your property and not attached to your home.