When it comes to homeowners insurance, there are typically a couple of coverage options and choosing the right one can have a major impact on your claim. While most insurers these days have made replacement value standard, there are still homeowners insur […]
Everyone knows that if you own or even rent a home you need to protect it with insurance, but not everyone is aware of just what a homeowners policy covers and the various components that make up the typical policy. We thought it might be a good idea to r […]
The elements of winter such as snow, rainfall, and wind can have an adverse impact on the structure of a home, causing considerable damage or destruction in some extreme cases. Certain steps can go a long way towards protecting the home against destructio […]
The winter season can be considerably brutal in several areas of the country. Consistent exposure to the cold can result in damage to the properties of homeowners. With the aid of some guidelines it is possible for homeowners to ensure that home insurance […]
An umbrella liability policy acts as your shield or umbrella when and if the weather turns stormy in your financial life. Such a policy provides protection in case of a lawsuit is leveled against the homeowner or a family member. Depending on the limits s […]
A standard homeowner's insurance policy includes coverage for most high value items if they are stolen or damaged in any way. High value items include jewelry, expensive dresses and suits, watches, china, paintings, fabulous furniture, and more. It is imp […]
The easiest way to attain a quick quote for home insurance providers is to gather all the information before you start asking for quotes. Some of the questions you will be asked includes: What is the square footage of your home? What type of construction […]
As per the estimates of National Bike Registry, as many as 1.5 million bicycles are stolen each year in the United States. Many of these bicycles are stolen since they are not locked up properly and because there are callous people out there without any m […]
Responsible dog ownership and awareness about dog safety is critically important to prevent dog bites and associated problems. As many as 4.7 million dog bites are reported each year as per the Center for Disease Control and Prevention. Standard home insu […]
The insurance score basically refers to numerical ranking of the homeowner and this is based on the credit rating and credit history among other factors. The insurance score is calculated because there is a relation between negative credit ratings of indi […]
The deductible amount has a direct impact on the home insurance premium amount which is paid monthly. If the deductible is high then the premium amount is reduced and a low deductible results in an increased premium amount. The deductible figure has a dir […]
Homeowners insurance as well as home warranty are basically designed to help homeowners, if the home or belongings of the homeowners are affected by loss or damage. In case of a home insurance policy several things including the home structure, personal b […]
A home inventory list will be a life saver in case your home experiences a fire, flood, earthquake, or any other type of disaster. Basically, a home inventory is a complete detailed list of everything that is in your home. This includes all your personal […]
Mold tends to occur in areas that are prone to excessive moisture or in areas that experience long periods of humidity. It is therefore important to ensure that excessive moisture is avoided. Some of the tell-tale signs of mold include water marks on the […]
Before starting any home renovation or improvement project it is important to consult with your homeowners insurance agent. This is because the existing insurance policy does not cover the value additions to the home and in the event of a loss, such cover […]
Individuals who rent their homes are entitled to purchase what is called renter's insurance. Renter's insurance offers protection for personal possessions as well as finances of the individuals. The coverage under renter's insurance includes: Contents […]
Homeowners' policies of standard nature do not provide coverage in case of flood damage to the home and personal property. But homeowners can acquire a flood insurance policy through the National Flood Insurance Program. Homeowners who are located in the […]
In 2006, more than $63 million worth of property damage was recorded in the United States due to lightning, as per the 2006 Hazard Statistic Report collated by the National Weather Service. In the same year, lightning also caused over 47 deaths and over 2 […]
If you live in a hurricane-prone area, there are a few things that you can do to assure the safety of your family and improve the safety of your home. Family Plan: A family plan is extremely essential in the event of a hurricane. Zero in on the safest a […]
Household appliances such as hot water heaters, dishwashers, AC units, and washing machines generally store a certain amount of water in them. In case of an appliance malfunction, this water may be released into your home. Old and rusty hot water heaters […]
Attaining the best rate for your home insurance policy is the way to save money in the long run. There are a few tips that you can employ to ensure that you obtain the best possible rate for your home insurance. Choose the company and policy type very car […]
There are a variety of local building codes as well as other safety standards like necessary fences, locks, gates, and other safety equipment that you will need to become acquainted with before you have a pool installed. Once you are clear of all local s […]
Homeowner's insurance is a safety measure that is insisted upon by the mortgage company but the law does not require it. In general, most mortgage companies and lenders will require you to have a homeowner's insurance that covers the value of the loan. In […]