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What You Should Know About Earth Movement Coverage for Your Home

Tue, 20 Mar 2018 00:00:00 GMT

If you live in certain areas prone to natural disasters, or particular states, you may need to get extra coverage beyond your homeowners policy. But, be prepared: it gets complicated! Policy Exclusions For Earth Movement Home policies don&...




7 Things Your Home Insurance Policy Probably Doesn't Cover

Fri, 23 Feb 2018 00:00:00 GMT

If you’re like many of us, you haven’t actually read your homeowners insurance policy. Do you know what your policy does and doesn’t cover? Should you ever need it, you might be surprised. Because, the truth is, many fairly commo...




5 Things to Know Before Buying Home Insurance

Mon, 22 Jan 2018 00:00:00 GMT

All lenders require you to purchase a homeowners insurance policy when you buy a home. That part’s simple enough to understand. But when you dig a little deeper into what home insurance is all about, it gets more complicated. Here are some t...




Tips for Preventing Theft During the Holidays

Thu, 21 Dec 2017 00:00:00 GMT

Going to be away from home during the holidays? Whether you’re going to a party, shopping or vacation, leaving your home for any length of time gives thieves an opportunity to break in. Take steps to keep your home and everything in it safe...




9 Ways You Can Save Money on Homeowners Insurance

Tue, 21 Nov 2017 00:00:00 GMT

Homeowners insurance is one of those things you know you need, but you don’t know if you can afford great coverage. The good news is there are ways you can save without sacrificing the effectiveness of your policy. Here are some basic ways t...




Renters Insurance vs. Landlord Insurance: What They Do & Don’t Cover

Tue, 31 Oct 2017 00:00:00 GMT

There’s some confusion about the differences between renters insurance and landlord insurance, but the concept is straightforward: If you own the rental property, get landlord insurance, but if you renting the property from someone else, you...




Does Your Home Insurance Cover Animal Damage?

Wed, 27 Sep 2017 00:00:00 GMT

So, does homeowners insurance cover animal damage to your home? The answer is: It’s complicated. There are a seemingly endless list of “ifs” and “buts” at first look, but overall there are guiding factors. Check y...




How Homeowners Insurance Covers Firearms

Thu, 20 Jul 2017 00:00:00 GMT

Firearms and homeowners insurance have a complicated relationship. The issues related to the topic range from policy limits to criminal or non-criminal acts to individual state regulations. Firearms and Insurance Rates Many insurance compa...




Insuring Your Home in an HOA Community

Wed, 21 Jun 2017 00:00:00 GMT

Homeowners associations (HOAs) are common, and not just for condominiums and townhomes. Some single-family detached homes are located within an HOA neighborhood or community. When buying a new home, whether multi- or single-family, it’s impo...




Does Your Airbnb Home Have Enough Insurance Coverage?

Wed, 17 May 2017 00:00:00 GMT

Home sharing service Airbnb now offers free Host Protection Insurance (HPI).  Although HPI covers up to $1M per incident, don’t expect it to be enough protection. The liability policy, like those offered by other vacation rental sites,...




Can You Deduct Your Homeowners Insurance Costs On Your Taxes? Sometimes.

Mon, 17 Apr 2017 00:00:00 GMT

The answer to whether or not homeowners insurance is tax deductible is kind of a mixed bag of good news/bad news. Generally, your premium costs are not deductible (bad news), but there are exceptions (good news). Since home ownership comes with so...




EINSURANCE’s Top 10 Articles of All-Time

Tue, 24 Jan 2017 00:00:00 GMT

We have been posting articles for over 20 years to ensure you, our customers, are informed when buying insurance. Our commitment has been, and will always be, to keep you up-to-date on coverage options, policy terms, and all you need to know about...




5 Tips for Keeping Your Home Safe This Halloween

Tue, 25 Oct 2016 00:00:00 GMT

For home owners, trick-or-treaters aren’t the only spooky things that come with Halloween. While you’re handing out goodies and enjoying the costumes you’ll want to have a good time and not worry about your home becoming a liabil...




Protect Your Home from the Unexpected

Wed, 28 Sep 2016 00:00:00 GMT

Older people are most likely to sustain an injury at home than anywhere else. But accidents at home can happen no matter your age. With precaution you can make your home safer, and some of these measures might allow you to receive home insurance d...




Don’t Let Lack of Dog Liability Insurance Come Back to Bite You

Fri, 29 Apr 2016 00:00:00 GMT

Beware the dog that takes a chunk out of your bank account. You are liable should your pet pooch bite someone, but your homeowners or renters insurance may take some sting out of the injury. How protected you are can be limited by both the state i...




Grinch-Proof Your Home for the Holidays

Wed, 02 Dec 2015 00:00:00 GMT

Don't be an easy mark for grinches and thieves who target homes during the holidays. Whether you’re going to be away from home for a couple hours or a couple weeks, here’s how to protect your home from holiday thieves. Your season will...




Four Coverage Options If You Work Out of Your Home

Thu, 12 Nov 2015 00:00:00 GMT

Being your own boss is part of the American Dream. Working from home makes it even better. But the dream has some downsides. What would happen to your business if you were injured or hospitalized? What if a delivery guy trips bringing you your off...




Party Season is Coming: The Facts About Your Legal Responsibilities as a Social Host

Tue, 22 Sep 2015 00:00:00 GMT

Planning a party any time soon? If you’ll be serving alcohol you need to know about a set of rules called Social Host Laws in the majority of U.S. states that could make you legally responsible for accidents and injuries that happen to or ar...




Insurance Tips for First-Time Homebuyers

Tue, 01 Sep 2015 00:00:00 GMT

The stars are finally aligning to woo Millennials into the housing market.  Rental costs are on the rise making equity-building mortgages more appealing, lending standards are loosening up, builders are ramping up construction which will make...




Make Your Home Safer This Summer

Thu, 02 Jul 2015 00:00:00 GMT

The kids are out of schools. Friends and family are coming to visit.  You’re planning a little getaway. Summer’s in full swing. But don’t let a vacation-mentality spoil your season. Take some commonsense precautions to prote...




Fast Facts About Homeowners Insurance and Reverse Mortgages

Thu, 25 Jun 2015 00:00:00 GMT

You’ve probably seen the ads on TV touting the benefits of a reverse mortgage. They’re a special type of loan exclusively for homeowners 62 or older that lets them convert part of their home equity into cash. There are no restrictions...




Homeowners Insurance Fact or Fiction? Take the Quiz

Fri, 08 May 2015 00:00:00 GMT

Homeownership may be the American Dream, but it comes with a stark reality that often comes as a shock to first-time buyers: homeowners insurance. Beyond knowing that your mortgage holder requires it, many Americans are woefully uninformed about the to...




4 Reasons to Buy Renters Insurance

Fri, 03 Apr 2015 00:00:00 GMT

Even with near record-low mortgage rates, reasonably affordable prices and the carrot of mortgage interest deductions, the National Association of Realtors® (NAR) annual survey found that the percentage of first-time homebuyers dropped to a ne...




Does Homeowners Insurance Cover Landscaping?

Thu, 12 Mar 2015 00:00:00 GMT

Landscaping adds a lot to the enjoyment of your home while you live in it and the value of your home when you sell it. Good landscaping doesn’t come cheap. As spring finally approaches, if your green thumb is itching to welcome warmer weathe...




How to Compare Homeowners Insurance Policies

Thu, 19 Feb 2015 00:00:00 GMT

Shopping for homeowners insurance policies has never been easier. With just a few keystrokes, you can get quotes online from major carriers. But then what? Do you just go with the lowest quote? Pick the provider whose TV ads you like? Opt for the insur...




Flood Insurance: What is Menendez-Grimm and Why Homeowners Should Care?

Mon, 26 Jan 2015 00:00:00 GMT

The National Oceanographic and Atmospheric Administration (NOAA) won’t release their forecast for spring flooding until mid-February, but heavy snowfalls this month could trigger a big melt when the weather warms up, and that means floods. Spring...




Not Home for the Holidays? Tips to Protect Your Residence When You’re Away

Tue, 02 Dec 2014 00:00:00 GMT

Christmas is coming, which means lots of people will be going off on vacations or visits to far-flung relatives. It’s the most wonderful time of the year for thieves, too. An FBI study found that more than 400,000 burglaries occur every year in t...




Is Your Home an Attractive Nuisance?

Tue, 16 Sep 2014 00:00:00 GMT

If you’ve bothered to read your homeowners insurance policy (and you really should), you may have noticed the phrase “attractive nuisance.” Not understanding the concept and your potential liability could result in higher insurance pr...




Natural Disaster Evacuation and Homeowners Insurance

Tue, 09 Sep 2014 00:00:00 GMT

Wildfires, hurricanes, tornados, floods, heatwaves -- natural, weather-related disasters happen year-round and countrywide. In 2013, extreme weather caused about $8.8 billion in property damage, 446 deaths and 2,766 injuries and illnesses.[1] In many i...




How to Protect Your Home During Wildfire Season

Tue, 26 Aug 2014 00:00:00 GMT

That title is a bit deceptive. In many parts of the U.S., wildfire season is year-round, and no part of the country is entirely immune. While wildfires in drought-prone areas like California, Arizona and Texas are most frequently in the news; no area o...




2014 Florida Homeowners Insurance Update

Tue, 12 Aug 2014 00:00:00 GMT

Every state in the union has its own unique challenges that can jack up the cost of homeowners insurance. But some are more challenged than others, and Florida may be the champion. If you live in the Sunshine State, you already know that in recent...




Was Your Homeowner’s Insurance Claim Denied?

Tue, 13 May 2014 00:00:00 GMT

This Could Be the Reason  Imagine this. A big storm knocks over a tree and punches a hole in your roof. It’s a huge mess and a major inconvenience. But at least your homeowners insurance will cover a big chunk of the cost to make things...




Lightning Liability Insurance—How to Avoid the Shocks of Lightning Strikes

Tue, 29 Apr 2014 00:00:00 GMT

Lightning Liability Isn’t So Shocking with Homeowners Insurance The sky darkens day into night, the wind picks up, and booming thunder rattles your windows. As every school kid knows, thunder follows lightning, and lightning strikes can kill....




Ready for the Big One? Make Earthquake Insurance Part of Your Survival Plan

Tue, 15 Apr 2014 00:00:00 GMT

A series of powerful earthquakes and aftershocks rocked Chile earlier this month, triggering tsunami warnings around the eastern Pacific Rim. A week later, the Los Angeles suburb of Sherwood was rattled by a magnitude 3.3. Are earthquakes on the increa...




Does Insurance Cover Tornado Damage? Be Aware of Regional Limits to Tornado Insurance Coverage

Thu, 27 Mar 2014 00:00:00 GMT

Does insurance cover tornado damage? Good question! Imagine coming home from work to find your entire neighborhood, not just your home, completely obliterated. That’s what happened to thousands of homeowners in Moore, Oklahoma, on...




Flood Insurance Update

Thu, 27 Mar 2014 00:00:00 GMT

It’s been one cold, snowy winter for most of the U.S. On March 6, NOAA reported that ice covered 92.6 percent of the Great Lakes.[1] Then, half way through the month, the east coast was hammered with another blizzard. Spring will get here eventua...




A Few Things To keep In Mind During The Winter

Wed, 15 Jan 2014 00:00:00 GMT

Baby, it’s cold out there! I know, I didn’t need to tell you that.  But for some, this record cold will also mean a record plunge in the cash in their pockets.  Old man winter can do serious damage to your home. Wa...




Do Oklahomans Need To Buy Earthquake Coverage Now?

Thu, 09 Jan 2014 00:00:00 GMT

 

Oklahomans noticed their windows rattling last night as yet another earthquake struck Oklahoma.  It wasn’t the biggest of the last few months but it was another warning from mother nature that unseen things ar...




Mother Nature’s Bullseye's: 10 Places Where Living Can Be Dangerous

Thu, 26 Dec 2013 00:00:00 GMT

            You’re probably in danger from a natural disaster and did not even know it!  Need an example? New York City is overdue for an earthquake that will kill scores...




How to Prepare for a Tornado

Mon, 18 Nov 2013 00:00:00 GMT

Tornadoes struck parts of the Midwest this past weekend killing six people and leaving hundreds with damaged or destroyed homes.  But wait, tornadoes happen in the spring not in the winter!  Tornadoes in the middle of November are but a remin...




How To Lower The Cost of Homeowners Insurance

Thu, 24 Oct 2013 00:00:00 GMT

Super storm Sandy’s victims are again in the news as they battle the high cost of homeowners insurance. You may be fighting that same battle whether you know it or not. Homeowner’s insurance is one of those items that is a...




Puppy Insurance Plans Are No Longer the Runt of the Litter

Mon, 23 Sep 2013 00:00:00 GMT

If puppy insurance plans were around for Old Yeller, that story would have had a much happier ending. EInsurance explains the benefits of pet insurance.

 

Puppy Insurance Plans Can Save You B...




Predictive Modeling and Your Insurance Premiums

Wed, 20 Jun 2012 00:00:00 GMT

Predictive modeling is a analytic process that uses data mined from a variety of sources to create a statistical model of future behavior. Increasingly, it’s being used in the insurance industry to decide what to charge you for almost every kind...




Hail Damage and Homeowners Insurance

Mon, 18 Jun 2012 00:00:00 GMT

Throughout most of the US, spring and summer is storm season and often that means hail stones raining down on your home. The biggest hail stone ever recorded by the National Oceanic and Atmospheric Administration was 7 inches in diameter, but even the...




Save on Homeowners Insurance with Green Discounts

Tue, 22 May 2012 00:00:00 GMT

The insurance industry are seeing green and that’s a good thing if you’re a eco-conscious homeowner looking to save money on your homeowners insurance coverage.  Many insurers are now offering premium discounts of up to 10% to customer...




Dogs Bite Homeowners Insurance Premiums

Fri, 18 May 2012 00:00:00 GMT

It’s National Dog Bite Prevention Week (who knew?) and good time to raise your awareness about one of the hidden costs of dog ownership: higher insurance premiums or even outright denial of coverage. The
Insurance Information Institute estim...




Cover Your Risk Gaps with Umbrella Insurance

Mon, 23 Apr 2012 00:00:00 GMT

If you’ve been weathering our current economic doldrums by skimping on insurance coverage, the pennies you’re saving could put you at risk of a financial tsunami. Pinch pennies on certain types of personal
policies like auto insurance...




How to Get the Best Homeowners Insurance Policy

Wed, 11 Apr 2012 00:00:00 GMT

Your home is the more than likely the biggest personal investment you’ll ever make. Homeowner’s insurance protects that investment. Sure, you want to find the cheapest homeowners policy out there, but buying coverage based on price alone ca...




Homeowners Insurance Policy Alphabet Soup

Mon, 09 Apr 2012 00:00:00 GMT

Every homeowners insurance policy has six basic components, conveniently labeled Coverage A through Coverage F. Understanding what each part covers and what it doesn’t will help you when you shop for
homeowners insurance quotes online. C...




Homeowners Insurance Deductible Nitty Gritty

Thu, 22 Mar 2012 00:00:00 GMT

One of the best ways to save money on your homeowners insurance coverage is by understanding how your deductible works. By definition, a deductible represents your share of the insured risk in an insurance contract. It’s the money you’ll ha...




Self-Storage Units and Homeowners Insurance Coverage

Mon, 05 Mar 2012 00:00:00 GMT

The late, great comedian George Carlin observed that “a house is just a place to keep your stuff while you go out and get more stuff.” But sometimes, your house isn’t big enough for your stuff (or your parents don’t
want yo...




Why Your Homeowners Insurance Premiums Are Rising

Tue, 21 Feb 2012 00:00:00 GMT

If you’re like most Americans, the value of your home definitely did not increase in 2011. So why are experts predicting that homeowner insurance premiums will continue to rise, some by as much as 18% according to an A.M. Best report? You may not...




What Does an Insurance Agent Do?

Wed, 08 Feb 2012 00:00:00 GMT

Shopping for insurance quotes and buying insurance online is so simple, you might wonder why you would ever need an insurance agent. After all, when you shop for insurance online, you can compare lots of policies quickly in your PJs at 2 a.m. We’...




Understanding Insurance Underwriting

Mon, 06 Feb 2012 00:00:00 GMT

Maybe you’ve heard the term underwriting, but what exactly is underwriting and what do insurance underwriters do? They’re a critical step in determining both your insurability and the premiums you pay if
a policy is issued. Here are th...




Little Known Homeowners Insurance Risks: Law & Ordinance Coverage

Thu, 26 Jan 2012 00:00:00 GMT

You’re a smart homeowner. You’ve always carried enough homeowners insurance. You’ve reviewed your policy regularly and added coverage when you made improvements. You even have supplement flood and earthquake policies, just in case. So...




Auto Insurance Basics for Your Home-Based Business

Tue, 24 Jan 2012 00:00:00 GMT

The Bureau of Labor Statistics reports that resignations rose steadily in 2011, with nearly 2 million American workers giving notice last September – the highest number since November 2008. Since we doubt that all those folks won the lottery, it&...




Jewelry Insurance Basics

Fri, 20 Jan 2012 00:00:00 GMT

Precious metal prices continue to rise. If you’re not invested in bullion, you may not think that concerns you much. But if you own gold or platinum jewelry it should. In 2007, gold was $600 an ounce; today it’s
hovering around $1,650,...




Test Your Homeowners Insurance Knowledge

Fri, 13 Jan 2012 00:00:00 GMT

Think you know your stuff when it comes to homeowners insurance? See if you can answer these five questions. Knowing the facts can help you avoid costly errors and make better decisions when you’re looking for homeowners insurance quotes Whil...




Mold Can Mess Up Your Homeowner’s Insurance

Fri, 06 Jan 2012 00:00:00 GMT

Black grout can be a fashion statement, but if your bathroom tile is starting to look like an out-of-control science experiment, it’s time to face facts. You have a mold issue and you need to deal with it ASAP. Mold is a fungus and its microscopi...




Homeowners Insurance and Tree Damage

Wed, 04 Jan 2012 00:00:00 GMT

Even the most basic homeowner’s insurance policy covers wind damage to your home, but what about the damage caused by a tree blown over by that wind? What if the offending tree that bashed a hole in your roof belonged to the next-door neighbor? W...




What Happens When You Lie on an Insurance Application

Wed, 21 Dec 2011 00:00:00 GMT

Honesty is the best policy. Cheaters never prosper. It’s a sin to tell a lie. You’ve heard all the clichés but sometimes it takes knowing how easily you can be found out and the consequences of fibbing to hammer home the point. So, t...




Holiday Mall Shopping Safety Tips

Mon, 19 Dec 2011 00:00:00 GMT

With just a few days left till Christmas, the race is on to get the shopping done and millions of procrastinators will be packing the malls. While you see a winter wonderland, there’s plenty of danger, too. It comes in the form of thieves, pickpo...




Auto Break-Ins Spike Over Holidays

Thu, 15 Dec 2011 00:00:00 GMT

Just a few shopping days left before Christmas. Don’t let your car become a shopping mall for crooks. Every year, over $1.25 billion in personal property is stolen from America’s vehicles, according to the National Insurance Crime Bureau. M...




What You Should Know About Insurance Credit Scores

Wed, 07 Dec 2011 00:00:00 GMT

Information is power. In today’s world, knowing who knows what about you is your best bet at leveling the playing field. Here’s what you need to know about insurance credit scoring and whether a less than stellar
score is why you&rsquo...




Deck Your Halls Safely

Mon, 05 Dec 2011 00:00:00 GMT

Tis the season for millions of Americans to head up on the rooftop to hang the holiday decor. The Consumer Product Safety Commission reports that 12,500 people are treated in emergency rooms each year for fall, cuts and shock related to Chris...




Don’t Let Holiday Identity Theft Ruin Your Insurance Score

Mon, 28 Nov 2011 00:00:00 GMT

You know you have a credit score, but did you know you have an insurance score, too? Or that bad credit can affect what you’re charged for various insurance products including car insurance, homeowners insurance and even health insurance? During...




Home Security Tips for Holiday Travelers

Mon, 21 Nov 2011 00:00:00 GMT

Three in 10 Americans will be traveling during the 2011 holiday season from Thanksgiving through New Year’s, according to the American Express Spending and Saving Tracker. Many will be taking an average of two trips. Happy holidays, enjoy your de...




What You Don’t Know About Flood Insurance Can Soak You

Wed, 21 Sep 2011 00:00:00 GMT

As many recent flood victims are now finding out, learning what flood insurance doesn’t cover can be an unpleasant revelation. Since ignorance is rarely bliss when it comes to insurance, here are some things you
need to know about the Nation...




Post-Hurricane Irene Homeowner Insurance Update

Tue, 30 Aug 2011 00:00:00 GMT

Round-the-clock media coverage for Hurricane Irene focused on the potential destruction the winds would cause from Florida to the Canadian border. Extraordinary intervention by state and federal governments kept loss of life to a minimum. But nothing c...




An Ounce of Cheap Earthquake Insurance Prevention

Fri, 26 Aug 2011 00:00:00 GMT

As people in Colorado and along the East Coast learned this month, earthquakes aren’t just for California anymore. Actually, they never were. According to the US Geological Survey, earthquakes happen
everywhere and all the time, but most jus...




Homeowners Insurance Tips: Prevent Fireworks Home Fires

Fri, 24 Jun 2011 00:00:00 GMT

Fireworks sales to consumers have risen dramatically in the past 25 years. Consumption per million pounds has increased nearly 920%, according to the National Fire Protection Association. Of the 213.2 million
pounds of fireworks sold in the U.S. i...




Organize Your Insurance Policies and Your Life with Online File Storage

Mon, 20 Jun 2011 00:00:00 GMT

Spring was a little late in coming to many parts of the country this year. When it did show up, it often wreaked havoc. So if you haven’t done your spring cleaning yet, you get a pass and a second chance to
get organized.  Start wit...




Store and Access Insurance Policies in an Online Safe Deposit Box

Wed, 15 Jun 2011 00:00:00 GMT

Good for you! You  applied for competitive health insurance quotes and car insurance quotes at www.einsurance.com. You secured a health insurance policy and auto insurance policy that fit your needs and budget. You patted yourself on the back...




Security Systems Qualify for Homeowners Insurance Discounts

Fri, 20 May 2011 00:00:00 GMT

Home invasions are on the rise according to FBI, which compiles its data from crime statistics supplied by police departments across the country. The most likely reasons for the uptick? A bad economy, coupled with the fact that homes are easier ta...




Does Homeowners Insurance Cover Tornado Damage?

Wed, 27 Apr 2011 00:00:00 GMT

It’s only April, and this year’s tornado season is on track be the most costly ever for damages and homeowner insurance claims. As of April 18, 2011, 617 tornados had been recorded by the National Weather Service, compared to 203 during Apr...




How To Avoid Common Homeowners Insurance Claims

Tue, 19 Apr 2011 00:00:00 GMT

After a winter of record snowfalls in many parts of the country, we’re now seeing a flurry of spring blizzards and thunder storms.  When the spring melt comes, many experts are predicting unprecedented flooding. Severe weather and its afterm...




All About Sinkhole Insurance for Homeowners

Fri, 01 Apr 2011 00:00:00 GMT

Attention, homeowners! As if you didn’t have enough to worry about what with hurricanes, floods, earthquakes, firestorms and mudslides, you can add sinkholes to your concerns. Florida is infamous for them, but sinkholes can and do happe...




What Is Force-Placed Homeowners’ Insurance?

Tue, 29 Mar 2011 00:00:00 GMT

As homeowners continue to struggle with high unemployment and upside down mortgages, many seeking to save money have let their homeowners insurance lapse. If you’re toying with this idea, we urge you to consider other cost-cutting strategies like...




Homeowners Insurance Tips: Prevent Flood Damage

Fri, 18 Mar 2011 00:00:00 GMT

Heavy winter precipitation, melting snow packs and major spring storm systems could mean widespread flooding across the northern and Midwestern US this spring. Parts of the Ohio River Valley and New Jersey have already experienced flooding, but the Nat...




Do Homeowners Insurance Policies Cover Nuclear Accidents?

Thu, 17 Mar 2011 00:00:00 GMT

The recent Japanese earthquake and ensuing tsunami may have had you checking your homeowners insurance policy to see if you’d be covered for those kinds of disasters. The answer in both cases is probably not. Standard homeowners insurance and ren...




How to File a Complaint About an Insurance Company

Tue, 01 Mar 2011 00:00:00 GMT

In a perfect world, all insurance claims would be handled promptly and to your complete satisfaction. Then again, in a perfect world, you wouldn’t need insurance. Alas, perfection continues to elude us and our insurance carriers. The National Ass...




Are Insurance Benefits Taxable?

Mon, 14 Feb 2011 00:00:00 GMT

Tick. Tick. Tick. April 15 is coming. About 1% of the population is audited every year, but in an effort to bolster revenues, the IRS is reportedly ramping up their scrutiny. One of the red flags is unreported income. Is the inheritance you got from yo...




Are Insurance Settlements Taxable Income?

Mon, 14 Feb 2011 00:00:00 GMT

Uncle Sam wants you to declare every single penny of taxable income. Failure to do so may result in an audit (which makes root canal without anesthesiology seem like a picnic) and hefty fines. But what exactly is taxable income? The courts have defined...




How to Maximize Your Insurance Tax Deductions for 2010

Mon, 24 Jan 2011 00:00:00 GMT

The tax man cometh and he’s headed for your wallet. Itemize your tax return and take full advantage of all legitimate income tax deductions that you’re entitled to in 2010, including insurance deductions. Deductions help lower your gross ta...




California Super Storms and Homeowners and Flood Insurance

Wed, 19 Jan 2011 00:00:00 GMT

To paraphrase the famous line from the movie Jaws, you’re going to need a bigger homeowner’s insurance policy. Way bigger if the scientists who are predicting a California Super Storm are correct. And, since water damage caused by floods th...




Firearm Insurance for Gun Owners

Mon, 17 Jan 2011 00:00:00 GMT

In 2009, the FBI’s National Instant Criminal Background Check System (NICS) reported that there were 14,033,824 guns purchased in the U.S. That was a 10% increase from the previous year, and the actual number of guns could be even higher, since t...




Maybe You DO Need Hurricane Insurance

Fri, 14 Jan 2011 00:00:00 GMT

If you live along the Gulf Coast, the Eastern Seaboard or almost anywhere in Florida, you pretty much expect that you’ll need to supplement your standard homeowners insurance policy with hurricane and/or flood insurance coverage. While damage fro...




Musical Instrument Insurance Floaters

Mon, 03 Jan 2011 00:00:00 GMT

Maybe you didn’t get 11 pipers piping or 10 drummers drumming but if your true love brought you a new musical instrument of any sort for the holidays, make musical instrument insurance a top priority in the new year. Then, if a lord happens to le...




Homeowners Insurance and the Mysterious Disappearance Clause

Sat, 27 Nov 2010 00:00:00 GMT

Along with the blessings of owning valuable possessions like jewelry, fine art, electronic equipment and other wonderful things comes the risk of losing them. The more cool stuff you own, the more homeowner’s or renter’s insurance you need...




Update Your Homeowner Insurance Checklist After the Holidays

Sun, 21 Nov 2010 00:00:00 GMT

Whatever you celebrate in December, chances are you will acquire an expensive gift or two: a flat-screen TV, a camera, a laptop, jewelry, maybe even a puppy. Protect your new possessions from thieves, fires and all the other things that can beset them....




Will Your Property Insurance Protect You If You Rent to a Bad Tenant?

Tue, 16 Nov 2010 00:00:00 GMT

It took just 45 minutes for an Escondido, California home to burn to the ground. The home, valued between $250,000 and $300,000, was a rental unit that had been occupied for about four years by the same tenant. Although the home’s owner had more...




Making More Informed Choices for the New Year - Consider Your Auto, Home, Health and Life Insurance

Thu, 11 Nov 2010 00:00:00 GMT

You have insurance, so you're all set if something were to go wrong, right?  Well, maybe not.  Just because you have insurance, does not mean that you have the kinds of coverage that you need or high enough limits to adequately protect you...




Save on Homeowners Insurance: Avoid These Winter Safety Hazards

Thu, 11 Nov 2010 00:00:00 GMT

When the temperature goes down, a lot of safety hazards go on, especially during the holidays. Damage from faulty electrical connections, chimney fires, heating systems and Christmas decorations are top offenders that can drive up your homeowners in...




Should You Carry High Deductible Home Owner Insurance?

Thu, 11 Nov 2010 00:00:00 GMT

If you’re like most Americans, you’re doing some fancy footwork juggling bills and making ends meet. If there’s another penny to be squeezed, you’re the first guy asking for pliers. One way to save is to carry a higher deduct...




What You Need to Know When Shopping for Mobile Home Insurance

Thu, 11 Nov 2010 00:00:00 GMT

The relative affordability of mobile homes gives millions of householders a shot at homeownership they might not otherwise have. Unfortunately, most of the time mobile home ownership doesn’t come with the land (unless you buy that,...




Winter Home & Health Hazards: Carbon Monoxide. Reduce Your Homeowners Insurance with a Safer Home

Thu, 11 Nov 2010 00:00:00 GMT

Protecting your loved ones is critical during the holidays. Carbon monoxide (CO) kills over 2,000 people every year in the U.S. and another 8,000 to 15,000 people are treated for non-fire-related CO poisoning annually, according US Consumer Product...




Winter Home & Health Hazards: Mold. Lessen the Impact on Your Homeowners Insurance Quotes

Thu, 11 Nov 2010 00:00:00 GMT

Winter brings lots of pleasant things. Mold is not one of them. In addition to being unattractive, mold growth can be hazardous to your health, destructive to your home and may even result in higher homeowners insurance quotes or, in the worst case sce...




Winter Home Heating Savings

Thu, 11 Nov 2010 00:00:00 GMT

Times are tight and cold winter weather can really eat into your monthly budget. Every little bit of savings counts and can be used toward your other essential expenses, including your homeownersinsurance. Here are some commonsense winter home heating...




Aliens Among Us: The Uninsurables

Fri, 29 Oct 2010 00:00:00 GMT

David Oxley is Managing Director of Coppergate International's Houston-based U.S. practice. Coppergate provides specialist advice to over 2,000 clients in Europe and America relating to cross-border immigration, tax, social security, Human Resources, a...




Insurance 101: What Is It, And Why Should I Care?

Fri, 29 Oct 2010 00:00:00 GMT

From crossing the street, to purchasing a new home, to traveling on an airplane, we all face risks daily. We've found ways of avoiding or minimizing certain risks, but it isn't possible to avoid them all. Some risks are trivial, like feeding and burpin...