---
title: "Home and renters insurance guides, page 7"
description: "Riskado insurance guides filed under Home and Renters, newest first: 83 guides, page 7."
url: "https://riskado.com/home-and-renters-insurance/page/7/"
lang: "en"
image: "https://riskado.com/og/default.jpg"
---

# Home and renters insurance guides

## More guides, page 7

- [Home and Renters](https://riskado.com/new-jersey-flood-insurance/): Standard New Jersey homeowners and renters policies exclude flood. See when lenders require flood insurance, NFIP limits, costs and the state disclosure rules.

- [Home and Renters](https://riskado.com/new-jersey-homeowners-insurance/): New Jersey's 2023 average HO-3 premium was $1,560, below the $1,731 national figure. See what a standard policy covers, what it excludes and why rates rise.

- [Home and Renters](https://riskado.com/new-jersey-renters-insurance/): New Jersey renters insurance averaged $177 in 2023. See what an HO-4 policy covers and excludes, why flood is separate and when a landlord can require it.

- [Home and Renters](https://riskado.com/pennsylvania-flood-insurance/): Pennsylvania flood insurance is priced per property under Risk Rating 2.0. Home policies exclude flood, and NFIP homes top out at $250,000 for the building.

- [Home and Renters](https://riskado.com/pennsylvania-homeowners-insurance/): Pennsylvania law does not require homeowners insurance, but most lenders do. See what a policy covers, the 2023 average premium and the cancellation rules.

- [Home and Renters](https://riskado.com/pennsylvania-renters-insurance/): Pennsylvania does not require renters insurance statewide, but a landlord may. See what a policy covers, the $184 average premium and the claim deadlines.

- [Home and Renters](https://riskado.com/does-homeowners-insurance-cover-water-damage/): A burst pipe or sudden appliance leak may be covered; slow leaks, sewer backup and flood are treated differently. See what to do now and what to ask your agent.

- [Home and Renters](https://riskado.com/does-homeowners-insurance-cover-roof-replacement/): Homeowners insurance may pay for a roof damaged by wind, hail or a falling tree, but not one that is simply old. See how valuation, deductibles and age apply.

- [Home and Renters](https://riskado.com/does-homeowners-insurance-cover-mold/): Homeowners insurance may cover mold after a sudden, covered water loss like a burst pipe. Mold from slow leaks, humidity or flood is often limited or excluded.

- [Home and Renters](https://riskado.com/virginia-homeowners-insurance/): Virginia homeowners insurance covers the house, belongings and liability but generally excludes flood and earth movement. See wind deductible and notice rules.