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Insurance:Home Owners Renters Articles from

Published: Sat, 17 Mar 2018 00:17:39 -0500


The Few Reasons That Make Home Insurance an Obligatory Norm

Thu, 15 Mar 2018 07:36:12 -0500

Life is very uncertain and risk is certainly a major component of it. The danger to life is always on everybody's mind. The risk, as well as the certainty factor, is on the rise in the present times owing to the extravagant lifestyle of today.

How Insurance Helps Recover Damages From a Fallen Tree and Storm

Wed, 14 Mar 2018 15:39:33 -0500

While the promise of spring may have us dreaming of blooming flowers and fresh greenery, homeowners, as well as vehicle owners have yet to get over the exposure to recent storm exposure to tree falls and related damages. The insurance experts answer your most common related question here.

How to Shield Your Personal Jewelry With Proper Insurance

Tue, 13 Mar 2018 07:06:03 -0500

If you own jewelry, you know it has worth. If you own jewelry that has sentimental value, you know it's worth cannot be named by price. Regardless of the fact that the insurance companies may not be able to help you with the priceless part of jewelry's sentimental value, it can assist you by compensating you for its market value. The initial concern about this for every homeowner, renter or condo owner is if the related insurance policy that they have purchased will shield them from the financial loss associated with jewelry losses so here's the summary that explains the concepts.

Nine Ways to Keep You Safely Covered From Lightning Risks

Fri, 09 Mar 2018 07:03:17 -0600

Lightning is a potent killer, striking down about sixty people across the United States annually. Moreover, lightning can reach fifty thousand degrees Fahrenheit, empowering it to spark home and commercial property fires if it strikes an appropriately flammable target.Thankfully for the homeowner, the majority of standard home insurance policies do cover the damages that occur from a lightning strike. Auto damage is another story though. Learn how to keep safe while getting the most of your coverage, should the natural danger strike!

Coach House Property

Mon, 26 Feb 2018 08:50:57 -0600

These types of properties are becoming so popular in the Building Industry amongst new home developments - so why doesn't anyone know what I am talking about? Insurance seems impossible. STOP! Just look a little deeper...

Empty House Insurance

Wed, 14 Feb 2018 08:02:45 -0600

When your House is left empty for any reason - it's important that you have the correct Buildings Insurance in place. Conventional Buildings Insurance will not cover an empty house - so it's vital you cancel your ordinary policy and replace it with Vacant Property Insurance, known more commonly as Empty House Insurance or Unoccupied Property Insurance.

Buying a Puppy for Christmas?

Thu, 01 Feb 2018 10:29:06 -0600

I was talking with a good friend and she mentioned that she had decided to buy her kids a dog for Christmas. I was excited for her as we shopped and picked out toys and other accessories for their new pet. In the midst of the excitement, my insurance brain couldn't help but consider the potential risks that come with owning a dog!

How the Santa Rosa Fire Taught Us About Insurance

Wed, 31 Jan 2018 15:18:26 -0600

Santa Rosa, California may be a number of remarkable things. But the great wildfire that consumed human life and property in October, 2017 will go down in history as a tragedy of unprecedented damages. With forty three dead victims and more than one billion in property devastation, totaling over the $1 billion in losses, the fire left insureds grappling with the painful after effects. Learn how to use insurance to your benefit when the unthinkable happens - like what occurred to residents impacted by the California fire.

What Is Coach House Insurance?

Tue, 23 Jan 2018 08:35:36 -0600

Coach house insurance is a bespoke and niche type of insurance policy tailored to specifically include freehold and leasehold garages underneath a residential, coach house property. There are some slight, but crucial differences between coach house insurance and ordinary home insurance.

What Does Coach House Insurance Include?

Tue, 23 Jan 2018 08:34:01 -0600

Most crucially - coach house insurance will include your legal liabilities to the leaseholder's of the garages underneath. Property owners legal liability must be included, and all the garages that form part of the building, must be included on the buildings insurance schedule.

Is Coach House Insurance Expensive?

Tue, 23 Jan 2018 08:33:19 -0600

Coach house insurance should not cost any more than standard home insurance. If you use a specialist insurer you will have access to a wider and more competitive selection of policies specifically for coach houses and you will pay less. Unfortunately, non-specialist coach house insurance providers tend to charge more due to the time and effort it takes to produce a one-off policy.

Why Private Sector Flood Insurance Will Help You During the Government Shutdown

Mon, 22 Jan 2018 14:56:56 -0600

For the National Flood Insurance Program the current government shutdown does not bode well. Included in many of the funding terminations resulting from a non-functioning governing body, the repercussions could spell a virtual emergency for home buyers and real estate industry as a whole. While some states would not be affected, potential buyers in the official roster of flood zones would not benefit from financial strength offered by the program. During the duration of a government shutdown, the National Insurance Program will not be selling flood insurance to those interested in buying homes in places at risk of flood damages.

Guide to Getting the Best Condo Coverage

Mon, 22 Jan 2018 14:54:07 -0600

Are your condo insurance costs more that you were expecting them to be? In most instances, condo insurance rates are typically offered at lower costs than other types of insurance.

How to Protect Yourself From a Nuclear Disaster

Mon, 15 Jan 2018 15:04:23 -0600

On Saturday, January 13, just minutes after eight o'clock in the morning, an error occurred at the state Emergency Operations Center: a worker from the incoming shift sounded the emergency alert in error. All reading the alert were notified about the unthinkable. "Emergency Alert. BALLISTIC MISSILE THREAT INBOUND TO HAWAII. SEEK IMMEDIATE SHELTER. THIS IS NOT A DRILL." What this article is here to do is to educate homeowners, renters, and commercial property owners about what to do to protect themselves and their families in the event such an emergency should actually unfold.

Radon Risks in NJ Property and Related Insurance

Fri, 12 Jan 2018 07:22:13 -0600

According to the NJ Department of Health and the NJ Department of Environmental Protection - also known as NJDEP - any resident in the state of New Jersey is at risk radon penetrating their property. As such, they are urging all home owners, renters, landlords and business property owners to have their premises tested. What is radon? Is it dangerous? Does insurance cover the expense of testing and removal. Read on to understand the ramifications as it relates to your circumstance.

Don't Wait Until the Losses Before Getting Insurance

Thu, 11 Jan 2018 07:24:49 -0600

Read the following, sympathize with the victim of a jewelry heist and learn the lesson well: get protective insurance coverage so that you will not be sorry in the event of a colossal loss. After all, I should have, could have never is the solution!

Ways To Reduce Homeowners Insurance

Wed, 10 Jan 2018 10:14:32 -0600

Having the right homeowners insurance is key, but what if you are paying too much? Getting the most out of your plan is important but also is lowering your monthly price. There are some easy ways to save money both before and after you move into your home.

Home Insurance Nightmare

Sun, 07 Jan 2018 17:31:15 -0600

It is prudent to obtain insurance on your home. Carefully research and select a reputable insurance company and be certain that the company will insure against common threats to your home. Be wise by asking your insurance agent how those threats have happened. If you know what to do when a threat happens, you might minimize your cost and the time needed to repair damage to your home.

Home Buyer's Insurance Guide

Fri, 05 Jan 2018 10:14:54 -0600

13 Things to Consider Before You Sign on The Dotted Line. From reviewing your credit to getting the house inspected.

Does Home Insurance Protect Against Skunk's Smell?

Tue, 02 Jan 2018 15:06:01 -0600

Hold your nose! What if a skunk sprays your home and damages the contents? Read one family's smelly encounter and the home insurance response to it.

What You Need to Know About Frozen Water Pipes

Thu, 14 Dec 2017 07:36:24 -0600

Since you were school age, you have known the scientific formula: frozen water expands. Imagine, then, what occurs within your home water pipes when it gets super cold. The pipe water becomes frozen and as the water expands, it raises the water pressure. More water pressure eventually leads to burst pipes, which of course causes the type of water damage to your home that you don't even want to think about.

Avoiding Holiday Tree Home-Fire Risks

Tue, 12 Dec 2017 14:48:17 -0600

As the days get shorter and evening turns to night at greater speed, the holiday season dispels the season's cold weather and related doldrums. Part of the revelry for many is the traditional holiday tree and accompanying tinsel and lighting. While the d?cor certainly may add to the heightened festive aura, utmost care should be taken to avoid fire risks.

Keeping Fire Safe While Celebrating Chanukah

Mon, 11 Dec 2017 15:21:50 -0600

This year, Chanukah begins on Tuesday night, December the twelfth. Homeowners all across the globe will be lighting their menorahs and celebrating. Just as the little bit of oil in the flask of oil that was found amid the ruins of the temple of old went a long way by supplying fuel for eight entire days until more pure olive oil could be brought, so too, a little bit of caution in regard to fire hazards surely will go a long way in keeping family and home safe from the associated of risks.

Things You Should Know Before Purchasing Home Insurance

Sat, 09 Dec 2017 18:02:02 -0600

Like other types of insurance policies, you have to take your time to choose the right one. Typically, a home insurance policy may cost based on the coverage level, deductible size, age and location of the home. Given below are a few things that you may want to consider when buying home insurance.

Landlords HMO House Insurance

Mon, 20 Nov 2017 09:33:13 -0600

Why is it that products geared to the city market are always much more expensive? Landlords HMO House Insurance is no different. The competition is fierce and pricey!

The Importance of Knowing Your Home Coverage

Fri, 10 Nov 2017 07:49:40 -0600

When you're searching for homeowners insurance there are a few things that are a must have for almost every homeowner. Insurance policies differ vastly, do you have the one that's right for you?

Why Renters Also Need Insurance

Fri, 10 Nov 2017 07:49:38 -0600

In America, only about 41% of people who rent have renters insurance, which is about 45 million people. Do you know the importance of having renters insurance and how much it will cost you?

Common Questions About a Home Insurance Claim

Mon, 23 Oct 2017 15:22:00 -0500

For the unfamiliar, the insurance claim process is quite confusing. Here, we bring a scenario involving a homeowner's wish to have a claim processed along with the most common questions posed to the professionals. It is our hope that through the dissipation of these along with the answers, the topic will become clearer and the process will not be seen as daunting.

Get Affordable Home Insurance in Calgary

Sat, 21 Oct 2017 09:44:23 -0500

There are many reasons to get home insurance in Calgary. First of all, you want to make sure your house, cottage, or tenancy is covered for damage, theft, and flooding. Secondly, you want to know if you are overpaying for home insurance, and if you are, you want to know if you have access to a more affordable insurer. We can help you connect with a live insurance broker who will give you the information you need for home insurance in Calgary. You can also request a quote from at least 10 Canadian home insurers, so you can compare rates.

All You Need to Know About Affordable Home Insurance in Edmonton

Tue, 17 Oct 2017 07:19:56 -0500

There are so many insurance companies on the Canadian market that choosing the right one among them brings some severe headaches, but you do not want to look at the happy faces of people who paid much less for their home insurance than you and have to face the fact that you could have made the same choice and saved a lot of money. The best thing to do is ask for help from an experienced insurance agent who will provide you with all the information about home insurance in Edmonton and make sure you get a quote from at least 10 Canadian insurance companies.

5 Myths About Home Insurance Demystified

Sat, 09 Sep 2017 09:43:02 -0500

Have you ever wondered which is worse? A devastating earthquake or picking up the pieces of life after surviving such an earthquake? Perhaps the second one requires more resilience and determination. It also requires the hand of providence and of-course good planning habits

Reasons to Avoid Mortgage Life Insurance

Tue, 05 Sep 2017 10:27:42 -0500

Often the terms "mortgage insurance" is thrown out by banks as a clever way to disguise what in essence is a creditor product with a declining benefit. Life insurance independently owned provides several benefits far superior to a bank owned creditor policy. Often times it not only provides superior flexibility, but actually costs less.

Where Can I Buy Coach House Insurance?

Tue, 05 Sep 2017 08:21:45 -0500

Who sells Coach House Insurance? Where can you buy a bespoke and specific policy to cover your coach house? No-one seems to sell Coach House Insurance? These are all questions we have heard before - and the good news - is that you CAN find it!

Preparing for Tropical Storms and Hurricanes: Are You Ready for The Season Within The Season?

Thu, 31 Aug 2017 09:14:02 -0500

Hurricane Season may officially start on June 1st, but there's a period of peak storm activity that doesn't come until later. It's known as the season within the season, and it's on the way.

Frequently Asked Questions About Roof Replacement Insurance Claims

Wed, 09 Aug 2017 14:54:42 -0500

Your homeowners' insurance company has a set procedure for replacing roofs that have been damaged or totaled. Be sure you educate yourself on the more important aspects of filing a roof replacement homeowners insurance claim.

What Type of Insurance for Mudslides?

Tue, 18 Jul 2017 14:35:41 -0500

For the uninformed, mudslides are muddy piles that slide down a mountain or hillside or any vertical slope. Composed of mud, stones and rocks as well as general debris, it can cause much damage to homes and property as it journeys downward. With the force garnered by gravity, a mudslide can rip out trees, power lines and anything in its path. Mudslides are not covered under a standard insurance plan.

Why Trampoline Fun May Not Be Insured by Your Homeowner's Policy

Mon, 17 Jul 2017 11:44:03 -0500

What could ever be wrong with some good old fashioned fun? The question apparently has been turned around by every angle by the insurance industry. When it comes to fun with a potential for danger, the experts say, the risks may be too great for a related company's likings. So, trampolines - that device that allows your kids to jump until their energy is spent and then go for some more - may actually not be in the terms and conditions of your home coverage policy.

How Insurance Customers Can Save on Home, Car and Boat Coverage

Tue, 20 Jun 2017 07:50:06 -0500

For the average person, home and car expenses are enough of a headache. When insurance policy premiums join the list of associated costs, the payout hassles become even more of a colossal hassle. You may think there is no alternative. However, you do have an alternative! Learn about bundled insurance and see how multiple bills can evolve into one cheaper invoice!

How to Protect Family and Property From a Hurricane

Thu, 15 Jun 2017 15:18:20 -0500

According to the weather specialists, hurricanes can appear anywhere from June 1 to November 30. Given the statistics of damages and losses, it's exceedingly wise to incorporate the proper steps that help stem related devastation to human life, home, business, car and any other property you own. Follow the guidance of insurance professionals on how to avoid mishaps.

Where the Wind Blows: Weather That Results in Insurance Claims

Sat, 20 May 2017 09:07:00 -0500

With nationwide claims related to home or business damages and auto collisions resulting from the varied conditions - anything from floods and tornadoes to hail and wind storms - attention certainly has been focused on the climate. A concisely written article, therefore, concerning weather and the related effects on liability and safety would seem in order. And here you have it, folks!

Home-Sharing Nightmares: Are Airbnb and Other Hosts Protected by Homeowners' Insurance?

Wed, 17 May 2017 12:51:23 -0500

If your home is listed with Airbnb or some other home-sharing service, there is something you should know. A standard homeowners' insurance policy may not protect you if something goes wrong.

Trees, Storms and Whatnot: The Inside Story of Insurance Coverage

Fri, 28 Apr 2017 13:14:07 -0500

All the beautiful trees and greenery inherent to this wonderful season of spring has another side to it. In fact, the other side of the story is precisely where your standard homeowner's insurance policy comes in. You see, home insurance is designed to include protection from trees that fall and hit your home or other structure included within your plan. So read on, folks, and learn about the shield called home insurance!

What You Need to Know About Opening Your Pool

Wed, 26 Apr 2017 15:29:25 -0500

For those pool owners that want to save money on the annual pool opening, those in the know (and many of them happen to be in the house and auto insurance industry) recommend certain proactive methods. Follow the pool opening guide in this article and summer swimming fun is yours to enjoy!

Air Conditioner Maintenance - The How to Do It Guide by Homeowners Insurance Folks

Fri, 21 Apr 2017 09:00:34 -0500

How can you prevent your air condition system from breaking down - especially at times when you need it the most? Your surest bet is by "taking the bull by the horns". Begin a maintenance program that is consistent as it is proactive, say the cooling experts who are in the know. This easy to follow guide tells you how.

Reconstruction Costs

Tue, 11 Apr 2017 13:45:20 -0500

Have you done a major renovation to your home lately? If you have, it will likely affect the reconstruction costs associated with rebuilding your home and it is a recommended time for a conversation with your insurance professional.

What Can A Loss Adjuster Do For You?

Mon, 20 Mar 2017 14:24:58 -0500

A loss adjuster is often associated with the insurance companies themselves and can be seen as a go between for the insurer and the policyholder. These loss adjusters could not have your best interests in mind - what if you had a loss adjuster who worked to protect your interests?

More Than Landlord Insurance: Dealing With Tenants

Thu, 22 Dec 2016 09:51:22 -0600

Yes, landlord insurance is absolutely necessary. It's not the only this that will protect the landlord from needless aggravation and monetary loss, however. This primer from the insurance experts gives the property owner the tools to deal effectively with his or her tenant. A must-read for anyone that rents out a home, condo or land!

Home Protection: More Than Your Insurance Policy

Thu, 15 Dec 2016 09:05:26 -0600

Although homeowners, condo owners, landlord and renters insurance provides peace of mind against damages and losses, the insurance companies advise proactive activity to deter burglary and vandalism. See why the claims professionals tell us to keep outdoor lights on - and in some cases off!

Is Your Smartphone Covered by Homeowners Insurance?

Mon, 12 Dec 2016 09:25:43 -0600

In today's world, all the technological stuff is very important to us. Imagine if your cell phone was stolen - or any of the other devices you value. What if one or more were damaged? The cost to replace one or many is high. Doesn't it make sense to have insurance for these electronics? You'll be pleased to discover you probably already have them covered under your homeowners or renters policy!

Becoming a Licensed Insurance Adjuster

Tue, 06 Dec 2016 07:32:15 -0600

This is a professional who studies their client's damaged property to write up reports, make estimates, and analyze information. Some of the duties of an insurance adjuster can include: • Deciding if their client's polices cover the damages they are filing a claim for • Evaluating property damage • Talking to the police and witnesses • Estimating loss amounts • Researching and writing reports • Verifying information with insurance agents • Analyzing information that is related to the claims • Meeting with lawyers • Testifying in court...

Insurance Tips for Homeowners

Fri, 02 Dec 2016 09:03:48 -0600

When you own a home then you understand the necessity to own a home insurance, as it makes you feel mentally secure in case a calamity hits in but before you decide on selecting and finalizing from the wide range of insurance policies and you need to talk to the agents personally before you are thoroughly convinced what works for you. Anyone can be struck by a calamity at any time and it will make him lose his mind completely as this peace of mind is much more important compared to the amount of money you are...

4 Mistakes To Avoid When Buying An Insurance Cover

Mon, 28 Nov 2016 08:56:56 -0600

Every car owner knows that he/she needs an insurance policy. Unfortunately, studies show that many people make mistakes when they are buying their policies. The most common mistakes include:

Is Installing A Home Security System A Clever Way To Lower Your Home Owner's Insurance?

Mon, 07 Nov 2016 11:26:21 -0600

Did you know that by simply installing a home security system in your home, you can lower you home owner's insurance by up to 30 percent? It can also help protect you and your loved ones.

How Your Homeowners Insurance Protects From Halloween Liability

Thu, 03 Nov 2016 10:28:13 -0500

Halloween is a lot of fun - most of the time. For homeowners, renters and landlords that face the ramifications of liability for related losses and damages, there's another story. Fortunately, homeowners and renters insurance covers many of the risks. Read the insurance claim examples contained within this article to discover the importance of adequate coverage.

Fire Prevention Tips Highlighted by Homeowners Insurance Experts

Mon, 31 Oct 2016 10:23:15 -0500

Say goodbye to summer at last as fall's reliable chill has returned. With the flick of the heater, comes hazards that homeowners would do well to recognize. Prevent fires by following these simple guidelines by the home insurance professionals!

What's With All The Different Types Of Insurance I Have To Buy When I Purchase A Home?

Mon, 17 Oct 2016 08:12:09 -0500

Okay, so, you didn't set out to become an insurance expert - all you wanted to do was buy a house, after all. Yet, in the process, you ran up against at least four different types of insurance - and these are just the mandatory policies.

It's Not All Fire and Flood: You'd Be Surprised What Your Home Insurance Covers

Wed, 07 Sep 2016 09:15:21 -0500

Although people often think of home insurance as protection against natural disasters, most policies cover costs related to a variety of potential incidents. Coverage can include dog bites, riots, attorney fees, and accidents.

The Little Extras on Your Homeowners Insurance!

Tue, 23 Aug 2016 15:23:14 -0500

Everyone understands that a standard homeowners insurance policy is a more basic plan. Policyholders therefore may be pleased to discover that it includes protection for some of the lesser known losses and damages. In this easy-to-read article, the general terms are spelled out.

5 Questions to Ask Before Purchasing Home Insurance

Mon, 15 Aug 2016 10:59:02 -0500

Your home is likely your most valuable asset, so protecting it just makes sense. As such, you can think of your homeowner's insurance as an investment in protecting your financial future. Before you buy a policy based solely on premiums, ask your insurance provider these five questions to make sure you're getting the coverage you need.

What You Need to Know About Condo Insurance

Thu, 11 Aug 2016 15:52:39 -0500

The condo owner, like the home owner and renter needs specifically tailored insurance. This article deals with the particular risks related to condominium living and what type of policy covers a condo owner's liability.

Hail Damage Insurance Claims

Mon, 08 Aug 2016 08:35:55 -0500

When a homeowner gets a home they will put homeowner's insurance on the home. Check to make sure that hail damage is covered. Many times it is easier to file a claim for hail damage than it is to be compensated for the damage or to have the damage fixed. If there was a big hail storm or the hail was large you should have a professional come to inspect your roof to see if there is any damage.

Reasons To Reconsider Buying Mortgage Protection Insurance

Fri, 29 Jul 2016 13:41:00 -0500

Mortgage protection insurance is sold for only one purpose: they pay the mortgage lender in the event of the policy holders death, disability or job loss. There are good reasons to not buy an MPI policy, and often level term life insurance is a better option.

Homeowners Insurance: Does It Cover Bedbug Damages?

Thu, 28 Jul 2016 08:37:27 -0500

When one man slept over at a friend's house, little did he realize that he would be taking home some unwanted little souvenir guests. Only after time, did he understand the incessant itching on his arm needed medical attention. What the doctor's told him almost blew his mind: he had a bedbug problem! Follow along and learn as this man had that a standard Homeowners Insurance policy does not usually cover the damages from bedbugs while discovering how to avert future related losses!

Earthquake Insurance for the Affluent

Fri, 15 Jul 2016 12:34:14 -0500

If you have significantly paid down your home loan and live in an earthquake state, you should now reconsider earthquake insurance. Home Insurance Does NOT cover you from the peril of earthquake. Thoughts on self protection vs. Insurance. Why ignoring the issue will not help your financial situation.

How to Stop Homeowners Insurance Claims by Forming a Neighborhood Watch

Tue, 12 Jul 2016 15:14:10 -0500

Minimize your risk of theft, vandalism and other crimes by instituting something that has been existence since the early days of American civilization - the neighborhood watch! When citizens band together to form a united front against criminal activity by becoming the eyes and ears of law enforcement agencies all residents benefit. Follow the key steps in this article to ease your way into the organization of this vital service!

Tips for Leaving Your Home Unoccupied Whilst You're Away

Wed, 06 Jul 2016 10:49:49 -0500

If your next holiday is all booked and the excitement is brewing, it's important to take the right steps now to guarantee that your home will be left at a high standard before you set off. We've come up with a checklist so that you can truly relax and not have any worries about your home whilst you're away.

5 Tips for Home Insurance Discounts

Tue, 05 Jul 2016 06:21:36 -0500

There can be big swings in the amount you pay for home-owners insurance coverage, by as much as 100's of dollars per annum. This largely depends on factors such as the plan you want, where you live and the company offering the cover.

Why Solar Panels May Affect Your Homeowners Insurance Rates

Wed, 29 Jun 2016 08:13:46 -0500

Installing solar panels onto your home can save you big dollars on your electric bills. Before tapping into the innovation, however, be sure to do the research that will confirm your benefits. In addition, make the appropriate inquiries as to how installing solar panels will impact your homeowners insurance coverage.

Do I Need Extra Coverage on My Homeowners' Policy If I Have a Pool?

Thu, 09 Jun 2016 13:15:27 -0500

Having a pool is a dream for many homeowners. After all, a pool can be the main attraction for families during their summer vacation. However, swimming pools and hot tubs are considered an attractive nuisance because of the increased chances of injury or death linked to pool accidents.

How A Smart Home Security System Is A Smart Move For Your Safety and Your Wallet!

Fri, 03 Jun 2016 13:50:13 -0500

When most of us think of home security we think of money going out the door and not very often do we think of money coming back in. Well that thought process could change once you find out how a home security system can save you money!

Your Homeowners Insurance May Not Cover Woodpecker Damage

Wed, 25 May 2016 07:39:26 -0500

When one former city dweller encounters small town living, she is surprised that one element of nature has piqued her ire. The woodpecker, as lovely as it looks, is as annoying as being woken up in the far-too early hours of the morning - and some. When Amy ultimately discovers serious home damage as a result of the incessant pecking, it is too late for insurance compensation. Her homeowners insurance policy in fact does not cover the liability!

Does Your Homeowners Insurance Cover Dog Bites?

Mon, 16 May 2016 14:17:22 -0500

Spot sits. Spot rolls over. But does Spot bite people? Your dog could make you incur enormous liability if he or she behaves aggressively. Get to know your homeowners coverage and how it can or cannot help you in times of need in relation to your pet.

Homeowners Insurance Also Protects Against Wildfires!

Thu, 12 May 2016 13:47:53 -0500

It's not just any fire that you are confronted with - it's a wildfire! Read this informative article that spells out the basics in regard to coverage when disaster strikes you closer than you would have imagined!

What You Need to Know About Earthquake Insurance

Wed, 20 Apr 2016 08:23:07 -0500

True or false? Most US residents have nothing to fear in relation to earthquake damage. If you are like most homeowners you will have opted for the false selection. Guess what, though? You are wrong. Thirty-nine of US states have earthquake risks. Learn about the phenomenon and about the inexpensive option of earthquake coverage that gives you the peace of mind that comes with the knowledge that you will be protected should related losses and damages actually occur.

Cash Settling Post-Disaster: The Pitfalls

Mon, 18 Apr 2016 13:44:48 -0500

Experience shows that homeowners have no concept of the time involved in the preparation work required to get a house to the "on site builder's hammer" stage. For the homeowner there is a major risk of unfunded cost overruns as repairs or rebuilds (in contradiction with the policy terms and principals of Insurance settlement) are being scoped to a "notional" claims position rather than actual cost.

The Benefits of Group/Class Actions in the Insurance Arena

Mon, 18 Apr 2016 13:42:59 -0500

After the Canterbury earthquakes in New Zealand in 2010-2012 many policyholders are still waiting for their insurance claims to be settled. Due to the outrageously high costs for the average individual to access justice and the time taken for a case to be heard - representative and group actions are becoming more popular. Class and representative actions have the potential to effect massive and much needed social change in an environment increasingly shifting in favour of corporate interests. Class action litigation allows individuals access to the courts by pooling a large number of claims which would not have been financially viable for the claimants individually and very importantly it holds the promise of a more level playing field on which powerful defendants (such as the Government, private insurers and banks) can be held to account.

Can A Dishwasher Repair Be Covered By Insurance?

Thu, 14 Apr 2016 14:49:46 -0500

If there is water damage in the kitchen it could mean that a dishwasher repair is needed. The insurance company may be willing to cover the damages in some instances, but not all.

Five Great Moving Tips From Insurance Pros

Wed, 13 Apr 2016 13:03:19 -0500

One of the exciting junctures in life certainly is moving into a new home! Contain the positive aspects of the big day by following these five tips compiled by the top insurance companies.

Does Homeowners Insurance Cover Termite Damage?

Wed, 13 Apr 2016 13:02:49 -0500

You've heard about termites and the home damage that can result, but like many others you don't think the horror will visit upon you. Read about someone who thought the same and not only suffered untold home damage but the tens of thousands of dollars in out of pocket recovery payouts because he did not have adequate homeowners coverage.

Four Unexpected Ways Your Home Insurance Can Help in Sticky Situations

Tue, 12 Apr 2016 06:26:14 -0500

Most people are aware that home insurance protects your house and everything in it. However, there are a number of unexpected situations when having good coverage can make a difference.

Common Insurance Misconceptions Regarding Hail Damage

Mon, 11 Apr 2016 07:22:59 -0500

Homes can be left destroyed after a major storm. Hail damage, in particular, can cause significant problems with the roof and other surrounding areas.

Insurance Companies Advice Against Wind Storm Damage

Wed, 06 Apr 2016 08:25:14 -0500

Unfortunately, homes and commercial buildings are not invincible. Wind storms and hurricanes can and do wreak tremendous damage, resulting in many hundreds of thousand dollars in losses. Learn how to protect your building from the potential ravages of Mother Nature's blowing forces with this insightful writing piece.

Remodeling Steps That Include a Review of Homeowners Insurance

Fri, 01 Apr 2016 15:11:10 -0500

Congratulations! You've decided to begin a home improvement project! Before you go about changing your living space to the desired look, review these great tips that will help get the job done right minus aggravation, mishap and loss of money.

Homeowners: How to Safety-Check Your Deck

Thu, 17 Mar 2016 15:29:47 -0500

According to experts' statistics, decks have a great risk exposure and are commonly associated with accidents that result in injury and even death. Before you celebrate the spring and summer by using your outdoor deck, inspect it for wood damage and safety efficiency by following these tips.

6 Ways to Save Your Home From Storm Risks

Thu, 17 Mar 2016 07:52:51 -0500

If you think your home worries are over just because the winter storms are with us no longer, think again. Spring and summer brings the potential of wind and storm damage that should keep you on your toes by implementing preventive measures. Read this article and see how you can save yourself the worry and financial loss of related woes.

Insuring Your Virtual Office

Fri, 11 Mar 2016 08:40:35 -0600

How to insure your virtual office can depend upon several factors. This article explores when your homeowners policy may have a solution for you.

How Umbrella Insurance Fills Your Liability Coverage Gaps

Mon, 07 Mar 2016 10:39:46 -0600

If you have a standard homeowners, auto or business insurance policy, your coverage is as good as your liability limits. If you exceed those, you may face out of the pocket expenses that can spell financial disaster! Discover the benefits of an umbrella plan and how you can escape the possibility of a personal financial tsunami by acquiring one!

A Different Homeowners Insurance: Tips on Reducing Your Heating Costs

Wed, 02 Mar 2016 09:10:56 -0600

You know there's more than one reason to give thanksgiving for a temperate winter. Besides the mild weather, you save a bundle on your heating bills. Face most homeowners and business owners famous quotes: "Regardless of the exceptional chill-less days, winter is when your heater goes into general overtime!

How to Protect Your Place in Central US From Tornado Risks

Thu, 25 Feb 2016 10:05:43 -0600

The central part of the United States is known to bear the brunt of tornadoes. If you live in places that include Texas, Oklahoma, Kansas, Nebraska, S Dakota, N Dakota, Iowa, Missouri, Arkansas and Louisiana you owe it to yourself to read these tips on tornado preparedness.

Landlord Insurance For Students - HMO

Mon, 08 Feb 2016 07:22:15 -0600

When a landlord lets a property to students, it can be referred to as a HMO - A House of Multiple Occupancy. This means that there are be more than 2 tenants who are unrelated.

How to Survive a Storm's Power Outage

Fri, 05 Feb 2016 13:27:59 -0600

Your home is the butt of many risks. One of the greatest concerns that homeowners face is a power outage. Find tried and true tips here how to prepare for the onslaught that a winter storm may bring in regard to losing electricity.

Why Some Types of Homes Are Difficult to Insure

Thu, 04 Feb 2016 08:51:51 -0600

We all look at life through different lenses. When it comes to insuring your home, you may be in for a big surprise because the insurance companies see risk for damages and losses when you may not. Find out why some houses are more difficult to insure than others in this intriguing piece on coverage for homeowners.

How to Better Deal With a Homeowner's Frozen-Pipe Risk

Wed, 27 Jan 2016 14:28:04 -0600

One of the biggest insurance claim risks for the homeowner is a frozen water pipe. Frozen pipes can easily burst causing thousands of dollars in damages. How do you know if you have a problem and what to do about it? Follow these tips for the homeowner like you.

What Do You Do When Cold Weather Causes Property Damage?

Tue, 26 Jan 2016 14:26:58 -0600

How do you prepare yourself for the upcoming winter storms that lay just ahead? This article will provide you with information on what you should do before damage strikes your home or business.

Research City Insurance Homes and Flooding

Wed, 13 Jan 2016 08:41:21 -0600

Flood insurance claims cost insurers billions of pounds, and this puts pressure on premiums. In some instance, insurers would rather not insure the most at-risk properties at all, but that would leave beleaguered homeowners stranded, in more ways than one, especially as it is virtually impossible to obtain or maintain a mortgage without having buildings cover in place.

Where's My Discount?

Mon, 11 Jan 2016 15:43:10 -0600

I know that you've seen it, "save 20%" on your homeowners insurance if you install our home security system. Let's talk about your need for a home security system. You need one

How to Escape the Tri-State's Winter Cold Without Damages

Thu, 07 Jan 2016 08:47:49 -0600

It's frigid outside and no wonder! It is winter, after all. Before escaping winter's cold by traveling south, learn how to maintain and protect your vacant NY, NJ or PA home with these easy tips.

Forced Placed Insurance Is Not For You!

Wed, 30 Dec 2015 09:54:45 -0600

There is a great temptation to believe that if you do not purchase Home Owners Insurance that the "BANK'S COVERAGE" will be a viable substitute. One of my biggest frustrations is that so many folks think that insurance agents are only trying to sell policies to rip them off. In June of last year, a gentleman who was frustrated with Florida's high cost of insurance informed us that the Bank had "Given" him coverage at one-third of what we were charging.

EVP - Protecting Your Family (and Property) From Mortgage Banks

Wed, 23 Dec 2015 11:46:14 -0600

Most people buy their residential property using a mortgage as a source of funding. While buying a property is an important decision, many fear that the commitment they make by taking a mortgage, will tie them to their property, without an option to just "walk away". A mortgage is usually taken for a large part of the purchase price, and for a long period of time. So what happens if you need to sell your property and the price you can get is lower than the money you owe? Equity Value Protection (EVP) addresses this problem.

Nothing Occupies Your Vacant Building, But Risk Exposure!

Wed, 23 Dec 2015 10:15:39 -0600

Some might imagine a vacant building to be devoid of risk, but nothing could be farther from the truth. A vacant building is more prone to damages and losses than an occupied home. Read about some true scenarios and the very real need to procure adequate insurance coverage.