Category: Homeowner
Should You Buy Flood or Earthquake Insurance?
The chances are slim, right? Most homeowners never experience the kind of destruction that goes with a major flood or earthquake. But if a disaster does strike, the last thing you want to find out is that your homeowners insurance doesn’t cover the damage. Your Homeowners Policy Has You Covered… Right? Actually, your homeowners policy [...]
Should You Have a High Deductible?
To save on insurance premiums, many homeowners take out policies with very high deductibles. Is it right for you? How You Save Many homeowners take out policies to protect their homes and belongings from natural disasters and other catastrophic events. A higher deductible on your homeowners insurance policy means paying less in monthly premiums. But [...]
How Much Homeowners Insurance Do You Need?
How much homeowners insurance you need depends on what your home and its content is worth. The amount is different for everyone, but there are some general guidelines you can follow to come up with a good estimate. Replacement Cost Or Cash Value Policy? There are two popular types of homeowners plans to choose from, [...]
Save Money By Reducing Your Home’s Risk
One of the best ways to save money on your homeowners insurance policy is to reduce the risks your home faces. Some risks are beyond your control. Natural disasters and “acts of God” are things that no homeowner can predict. But there are things you can do now to lower your risk and save money [...]
Should I Get A Rider For My Homeowners Policy?
Your homeowners insurance policy covers your property from risks like fire and theft. But it may not cover as much as you think. If you own any property that has special value, you may need to get riders on your homeowners policy to protect it. Riders Are Extra Coverage Riders – sometimes also called endorsements [...]
How to Choose Your Home Insurance
Depending on your living situation, the appropriate type and level of home insurance can vary widely. This guide will help you understand your options, so that you can make the most economical and effective decisions when purchasing home insurance. Types of Home Insurance HO 1 – This is the most limited and economical plan, which covers damages [...]
10 Dogs That Might Raise Your Homeowner’s Insurance
Your dog is your best friend… and it would never bite anyone. But if it did, you could be held liable, and your homeowners insurance would have to pay out for it. That means your insurance company is very interested your dog. Insurance companies keep a list of dogs that are likely to be involved [...]
Homeowners Insurance For Your Valuables
Homeowners insurance doesn’t just protect your house. It also protects your property. But if you own some very valuable property, like fine jewelry or artwork, you may have to get more coverage. Instead of buying another homeowners policy, you can usually add a rider to the one you already have. This will give you the [...]
Should You Have An Umbrella Policy?
Most homeowners policies include liability protection. And many homeowners never give a second thought to whether that protection is enough. If someone gets injured on your property, you could be held liable by a court for damages. Your liability coverage would pay for those damages — but only a certain amount. What would you do [...]
Kinds Of Homeowners Insurance
Not sure what kind of homeowners policy you should buy? You aren’t the only one. There are different levels of coverage available, and different kinds of policies. Choosing the right one depends on what kind of home you own, and how much coverage you need. If you think it’s confusing now, be glad you weren’t [...]