All Questions

Great question! This is an important consideration if you're planning to turn your primary home into a rental. The short answer is yes, you'll need to change your homeowners policy to a landlord policy. An insurance company would likely deny a claim if the proper coverage isn't in pl…

Thank you for reaching out to The Zebra!Yes, you will absolutely want to contact your current homeowners insurance company to let them know you've installed the sauna. Making upgrades or remodeling your home can impact your coverage, and because of this, it may increase your rates slightly. Ho…

Thank you for reaching out to The Zebra!Your HO-6 (condo insurance) liability policy will not cover your condo while it's being used as a short-term rental. This has become a much more common scenario over the last few years as remote work and home-sharing websites are increasingly popular. Re…

Thank you for reaching out to The Zebra! This is a great question, and with people owning vacation homes or short-term rentals, it comes up fairly frequently these days. It's common for a property management company to want to be listed as an additional interest on your insurance policy. Most …

Thanks for reaching out with your question! Unfortunately, you're not the only one who feels like your car insurance is more expensive than in the past. When your auto insurance premium rises, it doesn't always mean you've done something wrong, though. Let's talk about some pote…

Thank you for reaching out to The Zebra! The short answer is yes, you should be able to get insurance on the house, but it might not be straightforward. You will likely have to make a couple of calls to get this sorted out the way that both the insurance company and mortgage company want.You will n…

Thank you for reaching out to The Zebra!I would recommend keeping insurance on your vehicle even though it is inoperable. It will help you maintain continuous insurance which will help you get better rates in the future once you decide if you're fixing the car. Also, if your vehicle is damaged…

Thank you for reaching out to The Zebra! I'm sorry to hear that you're having difficulty finding insurance after experiencing such a devastating event like losing your home. Auto insurance companies rate heavily on whether or not you have prior insurance or not. Any lapse in coverage (eve…

Thank you for reaching out to The Zebra! Every insurance company is a little bit different. Most will not allow you to insure a home underneath its replacement cost. Here at The Zebra, we do not sell any home or rental properties for less than their replacement cost. One option that might fit your …

Thank you for reaching out to The Zebra! Every insurance company is a little bit different. They all have different combinations of coverages and deductibles. Sometimes they base your deductible on the dwelling coverage on your home, which is what sounds like happened in your case. Deductibles for …