article thumbnail

How to Read Homeowners Insurance Quotes

TGS

You can always ask your insurance agent to clarify what perils, or causes of financial loss , are covered by your policy and fall under the All Perils deductible. Coverage B ( Other Structures ) : This covers any structures on your property not directly attached to your house, like your fence or detached garage.

article thumbnail

Does Homeowners Insurance Cover Collectibles? 

Distinguished

While a standard homeowners policy often includes some coverage for personal property, which can extend to art and collectibles, it’s often not enough for most serious collectors. Does Homeowners Insurance Typically Cover Art or Collectibles? What Items Can Be Covered Under a Collectibles Policy? 

article thumbnail

Landlord Insurance vs. Standard Home Insurance: Key Differences

Protect Commercial Insurance

Unlike standard home insurance, which is tailored for owner-occupied homes, landlord insurance is crafted to address risks associated with renting out your property. Its primary purpose is to protect landlords from financial loss stemming from tenant-related incidents, property damage, and other rental-specific risks.