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Find Homeowners Insurance Lawyer

Find Homeowners Insurance Lawyer

Homeowners Insurance

Buying a home is a lifetime dream for many people. Finally making that life-changing investment can be extremely emotional. Almost as emotional as having something terrible befall that same property. In order to protect homeowners from the inevitability of disaster, private companies provide homeowners insurance.


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The Law Office of Craig A. Blumberg

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32 years in practice
Insurance Law
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Kustoff & Sanders, L.L.P.

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34 years in practice
Insurance Law, Personal Injury
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Fahl & Donaldson, PLLC

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32 years in practice
Insurance Law
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Hardin Thompson PC

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27 years in practice
Employment Law, Insurance Law, Personal Injury
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Ryan & Associates, APLC

22 years in practice
Insurance Law
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Law Firm of Loree & Lipscomb

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12 years in practice
Divorce & Family Law, Insurance Law, Personal Injury
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Protecting From The Unexpected

Homeowners insurance plans come in a variety of plans with varying levels of damage protection and deductibles. Homeowners insurance generally covers damage to the property, assets within the property, and property-related injuries though there are some coverage exceptions.

Property Damage

One of the most obvious areas of coverage under a homeowners insurance policy is damage to the home itself. This can include damage to the interior as well as the exterior and can refer to incidental damage such as a tree falling on the house or systemic damage such as the kind caused by a burst pipe.

Asset Loss or Damage

In addition to protecting the integrity of a property, homeowners insurance also seeks to protect assets within the home. Similar to property damage, asset loss or damage is covered by either natural events, such as a hurricane, as well as limited protection from criminal activity such as theft.

Property-Related Injury

Homeowners insurance doesn’t just protect against damage or theft, it also can offer compensation for injuries that occur on the property. Homeowners insurance covers two main categories: medical expenses and liability. If a qualifying injury occurs on a property with insurance, the insurance may cover the medical expenses or liability that arise.

Homeowners Insurance Exceptions

While homeowners insurance can be extremely helpful in the event of an incident, not all incidents are covered under a standard homeowners insurance policy. The first major exception to a homeowners policy is usually incidents classified as “acts of god.” Acts of god are any sudden, unpredictable, and damaging incident that could not reasonably be foreseen and expect to be paid for. A major type of “act of god” incident that requires a separate type of insurance is flooding. Floods are not covered by standard insurance policies and must be purchased and maintained separately.

Ensuring Coverage Amid Complexities

If you are seeking to navigate the complexities of environmental liability insurance, you will need the help of an experienced insurance law attorney. An insurance law attorney is able to focus completely on your case, zealously advocate for your interests, and get you the best possible outcome.

In order to achieve this best outcome, however, you will need an attorney who has the expertise and resources to take your case all the way. That’s why you should contact Attorney at Law. By partnering with AAL, you will be able to avoid slogging through the quagmire of unscrupulous lawyers looking to exploit your case.

At AAL, we only partner with the best firms in your area, helping you find the best attorney for your case. Don’t wait, contact AAL today to be matched with skilled and experienced attorneys in your area who practice insurance law.

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Homeowners Insurance Frequently Asked Questions

1. What is homeowners insurance and why is it important?

Homeowners insurance is a type of property insurance that is designed to mitigate the expense of losses and damages suffered by or at an individual’s home. This includes damage to the home, injuries at the home, and damage to assets in a property.

2. What does homeowners insurance typically cover?

Homeowners insurance typically covers several main incidents: interior or exterior damage, loss or damage of personal property, and injury occurring on the property. In the event that one of these events occurs in a way that is qualified by the insurance policy, than a homeowners insurance claim may be made to compensate for the damages suffered.

3. Are there any limitations or exclusions to coverage under a homeowners insurance policy?

There are some types of events that are not covered under a standard homeowners insurance policy. One of the most common events that will need a separate policy is floods. Due to policy decisions on the part of insurers, floods are not covered as part of the standard homeowners insurance and are instead qualified as “acts of god.” Other acts of god include earthquakes and other unpredictable, devastating events.

4. How does the claims process work for homeowners insurance?

Once a homeowner has suffered a qualifying incident, they can apply to their insurer to have the incident covered. Once submitted, the insurance will examine the incident and evaluate how much damage was caused. During the evaluation the insurance company will determine how much the company will cover and how much will be the homeowners responsibility as part of their deductible. Once the investigation has concluded, the insurance will award the homeowner the amount of their coverage.

5. What factors should I consider when selecting a homeowners insurance policy?

The most important consideration when acquiring a homeowners insurance policy is the coverage limits as well as the deductible amount. The higher the liability coverage amount, the higher the percentage of damages that can be put toward repairing or replacing the property or assets.

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