Many home insurance policies cover air conditioners but each policy varies. Personal ACs are also covered for renters. However, AC units must be affected by a peril that is covered by your policy for reimbursement. You’ll need a home warranty for wear and tear. If your insurance carrier doesn’t accept your claim, there are steps you can take for legitimate disputes to rectify this issue. It’s important to review your coverage annually to avoid coverage gaps.

While home insurance may cover damage caused by your water heater and its replacement, you’ll need to meet certain criteria and have the right coverage in place for protection. Many water heaters can benefit from appliance insurance, also known as a home warranty. There is also coverage available for oil tank leakage, however, you must add a specific endorsement and have an inspection certificate to do so.

Covering your home, vehicle, and personal belongings from tornado damage is possible through insurance. Although some homeowners in Texas may need additional coverage, standard home insurance policies protect against tornado damage and windstorms. Comparing the coverage options near you will yield the best results for your protection and budget.

If you want to protect your jewelry from being damaged, stolen, or lost, you have plenty of options. Jewelry insurance is a great way to ensure your collection has the proper coverage limits that other forms of property insurance don’t provide. You should compare different types of coverage and jewelry insurance companies to find the best option at the lowest price available. Sometimes, carriers may undergo an investigation to be sure a claim is legitimate. If you own jewelry and wish to keep your items covered, be sure to get your items appraised for the best protection regularly.