{"id":829,"date":"2019-05-24T19:42:00","date_gmt":"2019-05-24T19:42:00","guid":{"rendered":"https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/"},"modified":"2025-03-13T02:10:13","modified_gmt":"2025-03-13T02:10:13","slug":"what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance","status":"publish","type":"post","link":"https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/","title":{"rendered":"What Real Estate Professionals Should Know (and Tell Their Clients) About Homeowners Insurance"},"content":{"rendered":"

What Real Estate Professionals Should Know (and Tell Their Clients) About Homeowners Insurance<\/h2>\n

Many homeowners arbitrarily pick their home insurance policy without knowing exactly what is covered<\/a>, and by some estimates,  60% of U.S. homes are underinsured today. Making this mistake can be financially devastating when disaster strikes. Real estate professionals can help their clients by advising them on this important decision.<\/p>\n

<\/p>\n

A standard homeowners insurance policy<\/a> covers the home, other structures on the property, some personal possessions and liability. But it doesn\u2019t cover everything. Knowing what\u2019s excluded from a policy will help the homeowner avoid being caught off-guard when damages occur or disaster strikes.<\/p>\n

Here are 10 costs homeowners insurance usually doesn\u2019t cover. Additional coverage may be warranted depending on the type of coverage and where the home is.<\/p>\n

1. Flooding<\/h5>\n

Water invading your home from overflowing rivers, torrential downpours or backed up sewers and drains usually isn\u2019t included in homeowners insurance policies. Groundwater damage<\/a> typically isn\u2019t covered either. If you live in an area prone to flooding, you may want to consider purchasing flood insurance. Burst pipes are commonly covered, but for overflow or issues with sewage, you might want to see if your insurer offers water backup coverage.<\/p>\n

2. Earthquakes<\/h5>\n

Damage resulting from earthquakes and aftershocks are not covered under a general homeowners insurance policy. Other movements from the earth \u2014 including landslides and sinkholes \u2014 are usually excluded, too. Buying a separate insurance policy for earthquakes or difference in conditions (DIC) coverage is an option.<\/p>\n

3. Normal Wear and Tear<\/h5>\n

As a homeowner, you are expected to maintain your property and make repairs as needed. Homeowners insurance is not meant to cover the cost of keeping your home from deteriorating. Over time, it\u2019s up to you to ensure that your roof, fences, plumbing, heating, ventilation and air conditioning systems are in good condition.<\/p>\n

4. Infestation<\/h5>\n

If your home becomes infested with pests, like mice and bedbugs, it is your responsibility as a homeowner to get rid of them. Quite a bit of damage can be done if pests make a new home under your roof. Termites, for example, can eat through wooden beams and tear up walls. But your homeowners insurance policy probably won\u2019t cover any of the repairs you have to make.<\/p>\n

5. Service Lines<\/h5>\n

While the pipes inside your house are covered by your homeowners insurance policy if they leak or burst, most service lines on your property aren\u2019t. If your sewage line breaks in your yard, you may be held responsible for the repair costs.<\/p>\n

6. Wind and Hurricane Damage<\/h5>\n

Falling under the umbrella of natural disaster, much like floods (that go hand in hand with hurricanes) and earthquakes, wind and hurricane coverage is not always covered by general homeowners insurance policies, particularly if you live in a coastal region. If you own a home in a hurricane zone, shop around for insurance plans that include wind damage. Or consider asking your insurer to add windstorm coverage to your existing policy. Certain states offer supplemental windstorm insurance plans that you can enroll in if you need them.<\/p>\n

7. Equipment Breakdown<\/h5>\n

Since major equipment that help keep your house comfortable, clean and safe are part of your home, they\u2019re covered by your insurance policy, right? Not necessarily. Most homeowners insurance policies don\u2019t cover the equipment that support your home, unless you secure equipment breakdown coverage. Unfortunately, this is something most insurers don\u2019t include in their plans without your direct request for additional coverage.<\/p>\n

8. Government Action<\/h5>\n

If the government confiscates or seizes your property or your land, your homeowners insurance policy will not come into play or cover any losses that stem from those circumstances.<\/p>\n

9. Mold Damage<\/h5>\n

Insurance claims filed about mold damage aren\u2019t automatically denied. But there are often stipulations. Mold, in most cases, is caused by moisture and water damage. Homeowners insurance will not cover mold damage if it is clear that it was caused by negligence and failure to perform regular home maintenance. Claims will also be denied if there\u2019s a major flood or construction defect. A general homeowners insurance policy might cover mold damage, however, resulting from burst pipes or water leaks. But you will have to act fast to fix the problem if you want your claim to be approved.<\/p>\n

10. Faulty Workmanship<\/h5>\n

You will not be covered by homeowners insurance if there\u2019s a loss of property from faulty, inadequate or defective planning, zoning or development. Also, if there are defects in design, workmanship or construction, the cost of repairs will be your responsibility. Materials used in renovation or remodeling must also be up to code and in good condition if you hope to have any resulting damages covered by your policy.<\/p>\n

Attention to Detail is Key<\/h4>\n

You never want to find out that a problem with your home isn\u2019t covered by your standard insurance plan, especially if you\u2019re strapped for cash. That\u2019s why it\u2019s important to read the fine print in your policy and pay close attention to exemptions. If you need additional coverage, research umbrella policies.<\/p>\n

About the Author:<\/h4>\n

Brian Collins is a writer for Hippo, an insurtech company that\u2019s on a mission to transform home insurance for the modern household. Among its many innovations, Hippo allows homeowners to get a quote and purchase home insurance online in 60 seconds or less, save up to 25 percent compared with traditional insurers, and obtain smarter coverage for modern households. This includes protection for possessions like appliances, consumer electronics, and home offices.<\/p>\n","protected":false},"excerpt":{"rendered":"

What Real Estate Professionals Should Know (and Tell Their Clients) About Homeowners Insurance Many homeowners arbitrarily pick their home insurance policy without knowing exactly what is covered, and by some estimates,  60% of U.S. homes are underinsured today. Making this mistake can be financially devastating when disaster strikes. Real estate professionals can help their clients […]<\/p>\n","protected":false},"author":15802,"featured_media":4822,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3255],"tags":[],"coauthors":[],"class_list":["post-829","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-archive"],"acf":[],"yoast_head":"\nWhat Real Estate Professionals Should Know (and Tell Their Clients) About Homeowners Insurance<\/title>\n<meta name=\"description\" content=\"A standard homeowners insurance policy covers the home, other structures on the property, some personal possessions and liability. But it doesn\u2019t cover everything. Knowing what\u2019s excluded from a polic\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Real Estate Professionals Should Know (and Tell Their Clients) About Homeowners Insurance\" \/>\n<meta property=\"og:description\" content=\"A standard homeowners insurance policy covers the home, other structures on the property, some personal possessions and liability. But it doesn\u2019t cover everything. Knowing what\u2019s excluded from a polic\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"RealTrends - Blog\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Tracey Velt\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@traceyveltFL\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tracey Velt\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/\"},\"author\":{\"name\":\"Tracey Velt\",\"@id\":\"https:\/\/www.realtrends.com\/blog\/#\/schema\/person\/db05dddc94c61082eaa18f2f5e66c788\"},\"headline\":\"What Real Estate Professionals Should Know (and Tell Their Clients) About Homeowners Insurance\",\"datePublished\":\"2019-05-24T19:42:00+00:00\",\"dateModified\":\"2025-03-13T02:10:13+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/\"},\"wordCount\":932,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.realtrends.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png\",\"articleSection\":[\"Archive\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/#respond\"]}],\"isAccessibleForFree\":\"False\",\"hasPart\":{\"@type\":\"WebPageElement\",\"isAccessibleForFree\":\"False\",\"cssSelector\":\".wp-block-housingwire-piano-member\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/\",\"url\":\"https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/\",\"name\":\"What Real Estate Professionals Should Know (and Tell Their Clients) About Homeowners Insurance\",\"isPartOf\":{\"@id\":\"https:\/\/www.realtrends.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png\",\"datePublished\":\"2019-05-24T19:42:00+00:00\",\"dateModified\":\"2025-03-13T02:10:13+00:00\",\"description\":\"A standard homeowners insurance policy covers the home, other structures on the property, some personal possessions and liability. But it doesn\u2019t cover everything. Knowing what\u2019s excluded from a polic\",\"breadcrumb\":{\"@id\":\"https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/#primaryimage\",\"url\":\"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png\",\"contentUrl\":\"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png\",\"width\":1200,\"height\":675,\"caption\":\"9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.realtrends.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What Real Estate Professionals Should Know (and Tell Their Clients) About Homeowners Insurance\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.realtrends.com\/blog\/#website\",\"url\":\"https:\/\/www.realtrends.com\/blog\/\",\"name\":\"RealTrends - Blog\",\"description\":\"Empowering Real Estate Decisions with Trusted Insights.\",\"publisher\":{\"@id\":\"https:\/\/www.realtrends.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.realtrends.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.realtrends.com\/blog\/#organization\",\"name\":\"RealTrends - Blog\",\"url\":\"https:\/\/www.realtrends.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.realtrends.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/cropped-RTV_Horizontal_logo_Blue.png\",\"contentUrl\":\"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/cropped-RTV_Horizontal_logo_Blue.png\",\"width\":2321,\"height\":227,\"caption\":\"RealTrends - Blog\"},\"image\":{\"@id\":\"https:\/\/www.realtrends.com\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.realtrends.com\/blog\/#\/schema\/person\/db05dddc94c61082eaa18f2f5e66c788\",\"name\":\"Tracey Velt\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.realtrends.com\/blog\/#\/schema\/person\/image\/9b3cf1be6b1fb876ab0bd60ce0a485d0\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/ae51367450666ac65e816c5ed48f71a6aebe0ed43ea74c1f16500d37c0efc141?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/ae51367450666ac65e816c5ed48f71a6aebe0ed43ea74c1f16500d37c0efc141?s=96&d=mm&r=g\",\"caption\":\"Tracey Velt\"},\"description\":\"Tracey Velt is the Senior Director of Data & Content. She is the host of the popular RealTrending podcast, manages content for the real estate team and The Gathering and leads editorial and sponsored research across the HW Media brands. Tracey has more than 25 years of experience writing and editing for the real estate industry and is the former editor in chief of Florida Realtor magazine. She resides in Florida.\",\"sameAs\":[\"https:\/\/www.linkedin.com\/in\/traceyvelt\/\",\"https:\/\/x.com\/traceyveltFL\"],\"url\":\"https:\/\/www.realtrends.com\/blog\/author\/tracey-velt\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"What Real Estate Professionals Should Know (and Tell Their Clients) About Homeowners Insurance","description":"A standard homeowners insurance policy covers the home, other structures on the property, some personal possessions and liability. But it doesn\u2019t cover everything. Knowing what\u2019s excluded from a polic","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/","og_locale":"en_US","og_type":"article","og_title":"What Real Estate Professionals Should Know (and Tell Their Clients) About Homeowners Insurance","og_description":"A standard homeowners insurance policy covers the home, other structures on the property, some personal possessions and liability. But it doesn\u2019t cover everything. Knowing what\u2019s excluded from a polic","og_url":"https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/","og_site_name":"RealTrends - Blog","og_image":[{"width":1200,"height":675,"url":"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png","type":"image\/png"}],"author":"Tracey Velt","twitter_card":"summary_large_image","twitter_creator":"@traceyveltFL","twitter_misc":{"Written by":"Tracey Velt","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/#article","isPartOf":{"@id":"https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/"},"author":{"name":"Tracey Velt","@id":"https:\/\/www.realtrends.com\/blog\/#\/schema\/person\/db05dddc94c61082eaa18f2f5e66c788"},"headline":"What Real Estate Professionals Should Know (and Tell Their Clients) About Homeowners Insurance","datePublished":"2019-05-24T19:42:00+00:00","dateModified":"2025-03-13T02:10:13+00:00","mainEntityOfPage":{"@id":"https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/"},"wordCount":932,"commentCount":0,"publisher":{"@id":"https:\/\/www.realtrends.com\/blog\/#organization"},"image":{"@id":"https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/#primaryimage"},"thumbnailUrl":"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png","articleSection":["Archive"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/#respond"]}],"isAccessibleForFree":"False","hasPart":{"@type":"WebPageElement","isAccessibleForFree":"False","cssSelector":".wp-block-housingwire-piano-member"}},{"@type":"WebPage","@id":"https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/","url":"https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/","name":"What Real Estate Professionals Should Know (and Tell Their Clients) About Homeowners Insurance","isPartOf":{"@id":"https:\/\/www.realtrends.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/#primaryimage"},"image":{"@id":"https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/#primaryimage"},"thumbnailUrl":"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png","datePublished":"2019-05-24T19:42:00+00:00","dateModified":"2025-03-13T02:10:13+00:00","description":"A standard homeowners insurance policy covers the home, other structures on the property, some personal possessions and liability. But it doesn\u2019t cover everything. Knowing what\u2019s excluded from a polic","breadcrumb":{"@id":"https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/#primaryimage","url":"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png","contentUrl":"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png","width":1200,"height":675,"caption":"9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d"},{"@type":"BreadcrumbList","@id":"https:\/\/www.realtrends.com\/blog\/2019\/05\/24\/what-real-estate-professionals-should-know-and-tell-their-clients-about-homeowners-insurance\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.realtrends.com\/blog\/"},{"@type":"ListItem","position":2,"name":"What Real Estate Professionals Should Know (and Tell Their Clients) About Homeowners Insurance"}]},{"@type":"WebSite","@id":"https:\/\/www.realtrends.com\/blog\/#website","url":"https:\/\/www.realtrends.com\/blog\/","name":"RealTrends - Blog","description":"Empowering Real Estate Decisions with Trusted Insights.","publisher":{"@id":"https:\/\/www.realtrends.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.realtrends.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.realtrends.com\/blog\/#organization","name":"RealTrends - Blog","url":"https:\/\/www.realtrends.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.realtrends.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/cropped-RTV_Horizontal_logo_Blue.png","contentUrl":"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/cropped-RTV_Horizontal_logo_Blue.png","width":2321,"height":227,"caption":"RealTrends - Blog"},"image":{"@id":"https:\/\/www.realtrends.com\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.realtrends.com\/blog\/#\/schema\/person\/db05dddc94c61082eaa18f2f5e66c788","name":"Tracey Velt","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.realtrends.com\/blog\/#\/schema\/person\/image\/9b3cf1be6b1fb876ab0bd60ce0a485d0","url":"https:\/\/secure.gravatar.com\/avatar\/ae51367450666ac65e816c5ed48f71a6aebe0ed43ea74c1f16500d37c0efc141?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ae51367450666ac65e816c5ed48f71a6aebe0ed43ea74c1f16500d37c0efc141?s=96&d=mm&r=g","caption":"Tracey Velt"},"description":"Tracey Velt is the Senior Director of Data & Content. She is the host of the popular RealTrending podcast, manages content for the real estate team and The Gathering and leads editorial and sponsored research across the HW Media brands. Tracey has more than 25 years of experience writing and editing for the real estate industry and is the former editor in chief of Florida Realtor magazine. She resides in Florida.","sameAs":["https:\/\/www.linkedin.com\/in\/traceyvelt\/","https:\/\/x.com\/traceyveltFL"],"url":"https:\/\/www.realtrends.com\/blog\/author\/tracey-velt\/"}]}},"jetpack_featured_media_url":"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/posts\/829","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/users\/15802"}],"replies":[{"embeddable":true,"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/comments?post=829"}],"version-history":[{"count":1,"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/posts\/829\/revisions"}],"predecessor-version":[{"id":5616,"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/posts\/829\/revisions\/5616"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/media\/4822"}],"wp:attachment":[{"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/media?parent=829"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/categories?post=829"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/tags?post=829"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/coauthors?post=829"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}