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Septic, aboveground and underground oil tank coverage side by side, with real prices and claim limits.
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Forty answers covering eligibility, deductibles, claims, renewals and transfers.
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What to expect, what we need from you, and the 24/7 number for emergencies.
Start a claim →Articles for homeowners
Are Homeowners Liable for Groundwater Contamination?
Groundwater contamination is one of those issues homeowners rarely think about until it becomes impossible to ignore. It happens out of sight, often underground, and usually…
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What Does “Sudden and Accidental Damage” Mean in Homeowners Insurance?
If you have ever looked closely at a homeowners insurance policy, you have probably seen the phrase “sudden and accidental damage.” It shows up everywhere – in coverage descriptions, exclusions, and claim…
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What Are the Most Expensive Home Repairs Homeowners Face?
Most homeowners expect repairs. A broken appliance, a leaking faucet, maybe a roof patch every now and then. What catches people off guard are the repairs that are…
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Why Home Repair Estimates Are Always Wrong
Most homeowners have a moment when a home repair estimate stops feeling like a number and starts feeling like a lie. The contractor said one thing.…
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What Are the Signs of an Oil Tank Leak?
Signs of an oil tank leaks almost never look dramatic at first. There is no explosion, no obvious flood, no instant disaster. Instead, they tend to…
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What Happens If an Oil Tank Leaks?
While oil is a fantastic fuel for homeowners to use to heat their homes, Aan oil tank leak is one of those problems homeowners hope never happens, partly…
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Leach Field Failure: Causes, Symptoms, and Costs
When septic systems fail, the leach field is usually the reason. Many homeowners focus on the tank because that is the part they know exists, but…
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How Much Does Oil Tank Remediation Cost?
Oil tank cleanup is one of those problems homeowners rarely plan for and almost never expect to be cheap. A tank can sit quietly for decades…
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How Much Does Septic System Replacement Cost?
Most homeowners don’t think about their septic system very often. It’s underground, out of sight, and if it’s working, there’s no reason to pay attention to it. That’s exactly why septic replacement costs catch people off…
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What is Environmental Liability for Homeowners?
Environmental liability is one of those phrases homeowners often hear but rarely think applies to them. It sounds like something meant for factories, gas stations, or large corporations,…
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Does Homeowners Insurance Cover Oil Tank Leaks?
Oil is one of the most efficient and economical sources of fuel to heat your home. It cannot be beaten from a practical perspective. If your…
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Does Homeowners Insurance Cover Septic Systems?
If your home uses a septic system, it is natural to assume it is protected by your homeowners insurance. After all, the system is essential to the house…
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Are Septic Tanks Bad For The Environment?
Are septic tanks bad for the environment? When functioning properly, septic systems are an efficient and eco-friendly way to treat household wastewater in areas not connected…
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What You Need to Know About A Heating Oil Tank Leak
Oil is one of the most reliable and affordable ways to heat your home, especially in the cold winters of the Northeast. But while oil is…
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Why a Septic System Inspection is Crucial when Buying a Home
Buying a home is one of the biggest investments you'll ever make, and while most buyers focus on curb appeal, square footage, and kitchen upgrades, there's…
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