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All posts by Jason Levine

Does Homeowners Insurance Cover Theft Outside the Home?

When and where does your homeowners policy protect you?

Does homeowners insurance cover theft outside the home?

 

You’re probably already aware that your homeowners policy protects against theft—whether it’s a burglar who makes off with your new PlayStation or a contractor who slips a stack of cash into his pocket when you’re not looking.

But are you protected if someone steals your laptop at Starbucks while you’re picking up your latte?

While standard home insurance policies are designed to cover your personal belongings, those belongings don’t always stay within the walls of your home. You take them with you to work, when you travel, you even let your children take them off to college.

Does homeowners insurance cover theft outside the home?

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What Is Coverage F?: MedPay vs. Personal Liability

What Is Coverage F?: MedPay vs. Personal Liability

Insurance can be confusing, but it doesn’t have to be.

Learn more about Coverage F and why it’s an important part of your home insurance.

 

People sometimes talk about home insurance as if it were a single type of coverage, but there are actually multiple types of coverage that make up your home insurance policy.

  • Coverage A: Dwelling
  • Coverage B: Other Structures
  • Coverage C: Personal Property
  • Coverage D: Loss of Use
  • Coverage E: Personal Liability
  • Coverage F: Medical Payments to Others

While most of these are pretty self-explanatory, the last two tend to cause some confusion. Aren’t med pay and personal liability the same thing?

Yes, there is a bit of overlap but these are actually very different forms of coverage.
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What Is Loss of Use Coverage?

What Is Loss of Use Coverage?

Disasters cost more than you think.

Luckily, loss of use coverage can help.

 

You were trying to follow a recipe for homemade French fries when all hell broke loose. The resulting grease fire took out most of your home.

Luckily, you have homeowners insurance to cover the damage. But now there are some additional expenses that you hadn’t even considered—a hotel bill, takeout dinners, laundry service—how are you going to pay for those?

Enter: Loss of use coverage.
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Water Damage vs. Flood Damage

Water Damage vs. Flood Damage

When it comes to insurance, floods and water intrusion are two different things.

In this article, we cover the difference between water damage and flood damage.

 

Every living thing on earth relies on water to survive. But the very thing that keeps us alive can also cause a lot of destruction.

Flood and water damage claims are extremely common, affecting tens of thousands of Americans every year. Luckily, there are insurance policies that can provide a layer of protection against the costs of water and flood damage.

But, while water damage is typically covered under your homeowners insurance policy, flood damage isn’t. In fact, the insurance industry has completely different definitions for these terms (and different policies to cover each one).

Let’s take a closer look at the difference between water damage and flood damage.
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Insurance Terms Every Policyholder Should Know

Insurance Terms Every Policyholder Should Know

Are you feeling stymied by your policy’s jargon?

Here is a list of some popular insurance terms to help you understand it.

 

Deductibles, assumption, subrogation…sometimes, it feels like you need to be an insurance agent to understand your policy!

But at Harry Levine Insurance, we believe in insurance transparency. The way we see it, the more you understand the clauses and numbers listed on your policy, the more “in-control” you feel over your coverage.

Below, you’ll find a list of common insurance terms to help you decipher all that paperwork. Of course, if you have any additional questions, our friendly agents are ready to assist you!
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Types of Home Insurance Policies Explained

All you want is insurance…why is it so hard to choose?

Let’s go over the different types of home insurance policies to help narrow down your options.

 

Purchasing insurance can be one of the most difficult decisions to make as a homeowner.

From analyzing your budget to deciphering your Declarations page (what does all that jargon mean?!), you might be tempted to pick the cheapest policy and call it a day.

Not so fast!

In this article, we’ll go over the eight different types of home insurance and how to find the right policy for you.
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What Is Umbrella Insurance?

What Is Umbrella Insurance?

You want to customize your insurance coverage? We got you!

Learn more about what umbrella insurance is and why you should consider it.

 

Nowadays, most Americans are used to having lots of options.

We curate our social media feeds. Our iPhones come in different colors. Burger King even created a whole business platform around the idea of having things “your way.”

With umbrella insurance, this idea extends to insurance as well!
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10 Types of Car Insurance Explained

10 Types of Car Insurance Explained

What exactly are you paying for?

There are many types of car insurance coverage. Find out what each of them do.

 

People refer to “car insurance” as if it was a single item they could purchase and be on their merry way. But in fact, there are dozens of types of car insurance coverage that make up your car insurance policy.

In this article, we’ll go over 10 of the most common types of car insurance and what they cover to help you better understand your options.
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Steer Clear of Citizens Property Insurance!

Steer Clear of Citizens Property Insurance!

It’s not worth the low premiums!

With very little coverage, Citizens Property Insurance is Florida’s “insurer of last resort.”

 

The last few years have seen insurance premiums increasing at an alarming rate. Throw in unemployment caused by a global pandemic, and it’s no wonder many households are at a financial breaking point.

As a result, many homeowners are turning to the marketplace to seek out cheaper coverage. In some cases, the cheapest option is a policy with Citizens Property Insurance.
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What Is Ordinance or Law Coverage?

What Is Ordinance or Law Coverage?

Building codes change with surprising rapidity.

Ordinance or law coverage might be able to help.

 

Florida homeowners have a lot of freedom and flexibility when it comes to their homes. From paint colors to whether or not to install a pool, you have a choice about what changes to make to your property.

But if your house is destroyed, there are many projects that you will have to undertake, even if they’re out of budget.

Luckily, Ordinance or Law coverage can protect your home, your family, and your budget against covered losses.
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