Household pests can take many forms. Everything from termites to mice, raccoons, birds, bats and rats just to name a few. While most of them are small, they can cause serious damage to your house, damage that will probably not be covered by your homeowners insurance. Insurance companies consider the majority of pest infestations and […]
Experts have been saying for years that one of the best ways to save money on your homeowners insurance is to raise your deductible. A new study commissioned by InsuranceQuotes.com confirms this advice, but the savings can vary dramatically depending on what state you call home. The study used a hypothetical two-story family home, which […]
Tucked away in your mortgage, hidden in the small print, is a little surprise that could cost you big, but only if you fail to keep your homeowners insurance premiums up to date. Every mortgage ever written specifies that the homeowner must carry homeowners coverage in certain dollar amounts. In most cases the house must […]
In the last couple of years the cost of homeowners insurance has been going up for just about everyone. The National Association of Insurance Commissioners (NAIC) found that nationwide, premiums jumped up 7.6 percent in 2011 and another 5.7 percent in 2012. This translates into a $137 bump in just two years. Where You Live […]
Thanksgiving is just a few days and while it is a great time to gather your family, enjoy a delicious meal and contemplate everything you are thankful for, the quickest way to ruin the holiday is having to make a homeowners claim. A full house and a hot oven can lead to slips, trips, and […]
Winter is getting closer every day but just because the temperatures are dropping and the snow will be flying doesn’t mean you have to close up your backyard. A fire pit can make a cold evening an enjoyable adventure and according to landscaping experts, fire pits are gaining in popularity and are a hot choice […]
Homeowners insurance is a necessity but it can be a frustrating product. While everyone wants the protection of homeowners coverage, they know that if they actually need to use it and make a claim, there is a good chance that their premiums will be headed up. So what will happen to your rates if you […]
According to the Insurance Information Institute, dog bites are on the rise. The number of claims related to Fido taking a chunk out of a neighbor, friend or family member jumped up roughly 6 percent to 17,359. This figure shattered the previous record which was set way back in 2003. The average cost of a […]
Disasters can happen just about anywhere but the truth is that some areas are more prone to catastrophic weather. Floods, hurricanes tornadoes and fires have favorite locales that they pound over and over, putting those cities and states into a special category when it comes to experiencing disasters. If you happen to live in one […]
According to the U. S. Geological Survey, the recent earthquake in the San Francisco Bay area, which registered 6.0 on the magnitude scale, is estimated to have caused roughly $1 billion in economic losses. Much of the damage was suffered by homeowners and unfortunately, many of them were not covered. The quake injured more than […]