CoverClaro / Guides
Insurance coverage guides
Find answers to homeowners, renters, and auto coverage questions. Each guide starts with a short verdict and explains what policy terms to check.
Water & Plumbing
Burst and frozen pipes✓ Usually yes
Water heater leak✓ Usually yes
Sewer backup× Usually no
Slab leak? It depends
Leak from upstairs neighbor? It depends
Roof & Structure
Foundation repair× Usually no
Old roof and insurance? It depends
Hail damage roof✓ Usually yes
Appliances & Systems
AC and HVAC? It depends
Home warranty vs. insurance• Guide
Power surge damage? It depends
Weather & Disasters
Neighbor's tree fell on house? It depends
Ice dams? It depends
Mold, Pests & Exclusions
Mold× Usually no
Termite damage× Usually no
Claims & Deductibles
What homeowners insurance covers? It depends
Premium after a claim✓ Usually yes
How to file a claim• Guide
Claim denied• Guide
Public adjuster• Guide
Hotel and loss of use✓ Usually yes
Percentage deductible• Guide
Liability & Guests
Dog bites✓ Usually yes