Running a business from home can be a great way to keep costs down, but it can also change your insurance needs. Your home may be insured, but that does not mean your business activities, equipment, or liability are covered.

Home insurance protects more than the building you live in. It also helps protect the things you own. However, some belongings have special coverage limits that can be much lower than your total contents coverage. Scheduling certain items on your home insurance can help fill this gap. Let’s look at how special limits and scheduled items work, and when you may want to speak with your insurance broker.

You have home insurance so you can use it when something goes wrong. But many homeowners still hesitate to make a claim because they are worried their insurance price will go up. That is where claims forgiveness can help. It may protect you after your first eligible claim, but there are some important rules you should know about.

Identity theft can affect your finances, your credit, and even your ability to prove who you are. Fixing the damage can also take time and may require help from several different organizations.

What many people do not realize is that identity theft protection may be available through their home insurance. This coverage can help with some of the costs and work involved in restoring your identity.

Your home relies on many systems working behind the scenes every day. These systems help keep your home warm, provide running water, power your lights, and more. Home systems coverage can provide added protection when certain systems are damaged.

Your home depends on several service lines every day. These lines bring water, power, and other important services to your home. If one of them is damaged, repairs can be costly. We’ll outline what is covered by home insurance, what is not covered, and who is when you’re responsible for these lines.

Water damage is a common concern for homeowners, but not all types of water damage are covered the same way. In this article, we’ll take a closer look at overland water, what overland water coverage can protect against, and how it differs from other types of water damage.

A sewer backup can cause a lot of damage in a short time. Water and sewage can damage floors, walls, furniture, and other items in your home. Sewer backup coverage may help protect you from some of these costs.

Accidents can happen even when you do everything you can to keep your property safe. If a visitor is injured on your property, voluntary medical payments coverage can help pay for their medical expenses without the need to prove you were legally responsible.

Property insurance helps pay to repair or rebuild your property after a covered loss. However, it may not cover the extra costs of meeting today's building codes. That is where bylaw coverage comes in.