Insure Your Home-Based Business with These Basic Policies
If you’re thinking about switching your career status from unemployed to self-employed, there are some things you need to know about insurance for your home-based business.
Lower Your Homeowner’s Insurance Costs. Practice Fire Safety.
According to statistics from the National Fire Protection Association (NFPA), in 2008, fire departments responded to nearly 1.5 million fire; 27% of them were residential, accounting for 83% of civilian deaths by fire. Those fires caused $15,478,000,000 i
Here Comes Spring. Got Flood Insurance?
After winter’s record-breaking snow storms, most of the Midwest and parts of the East Coast are bracing for massive melts and widespread flooding. Most standard homeowner’s insurance policies do not include flood insurance or cover damages from flood wate
For Cheaper Homeowners Insurance, Make Sure Your Home Isn’t an Insurance Nightmare
Here’s a wake-up call for you folks who’ve let those minor home repairs turn into major problems: your homeowners’ insurance policy can be canceled. Because of the uptick in abandoned properties, insurance companies have become increasingly vigilant. If y
Homeowners Insurance for Unmarried Couples
Forty years ago, 70% of U.S. households were comprised of married couples and half of those households had kids under 18. Back then, insurance companies used a standard definition for “insured” when issuing a homeowners policy. It granted insured status t
How to Lose Your Homeowners Insurance: Dog Bite Claims
Could the family pooch be standing between you and a homeowners insurance policy? Dog lovers that we are, we’re sorry to say it’s true. A 2008 study revealed that dog bite claims are the source of more than 30% of all homeowner insurance liability claims
Avoiding Post-Disaster Homeowner Insurance Scams
You were smart. You carefully shopped for homeowners insurance quotes and, after comparing quotes, you made your decision based on factors other than price alone. You insured your home for every conceivable disaster your area is prone to. You didn’t try
Flood Insurance and the National Flood Insurance Program
With what promises to be a winter of record-breaking snowfall we can look forward to a big thaw and the potential for major floods. Even if you don’t live in areas that get a lot of snow, heavy winter and spring rains can put you at risk. Flooding occurs
Cut Costs with These Homeowner Insurance Discounts
Strapped for cash? Here’s your resolution for 2010: stop throwing money away. Start by reviewing your homeowners insurance policy to see if you’re overlooking some big money-saving discounts.
What Your Homeowners Insurance Doesn’t Cover
To all the nasty surprises life can throw at you include learning after the fact that your homeowners insurance policy doesn’t cover something you just naturally assumed it did. Adding insult to injury is also finding out that an inexpensive rider to your
All About Vacant Property Insurance
With so many homes staying unsold on the market for longer than normal, a growing number of homeowners find themselves needing vacant property insurance. Vacant homes are targets for malicious damage from vandals, attractive to thieves who steal copper w
The Impact of Winter Weather on Home Insurance
You may be cozy inside while winter storms rage, but when the weather outside is frightful just imagine what it’s doing to your home. Every year, U.S. snow storms and freezing weather rack up over a billion dollars in homeowner insurance claims.
For Homeowners Insurance Discounts Make Your Home More Secure
A barking dog may deter a thief, but it won’t get you any homeowners insurance discounts (and a biting dog could get your policy canceled). A much better bet is to do everything possible to secure your home from break-ins. Even something as small as inst
Want More Affordable Homeowners Insurance? Disaster-Proof Your Home.
Yes, you have the homeowners coverage to reimburse you for damages and losses, but one of the best ways to maintain affordable homeowners insurance is to avoid making claims altogether. And one of the best ways to do that is to make your home more disaste
Homeowners Insurance with Dog Bites Coverage
Fido may be like a member of the family, but from an insurance standpoint, your pooch is a big hairy liability and a lawsuit waiting to happen. Do you have enough homeowners insurance to cover your assets if your dog decides to take a chunk out of a house
Looking to Save Money on Insurance? Don’t Buy What You Don’t Need.
There are plenty of insurance policies you DO need that are going to take a bite out of your budget. You can and should shop for cheap insurance quotes online to hold down costs, but you can also save money on insurance by NOT buying policies you don’t ne
When and How to File a Homeowners Insurance Policy Claim?
Waiting will delay the processing of your claim, diminish your memory of the incident and may even result in greater damage. However, there are a couple of things you should do first to facilitate the claim-filing process.
Understand Your HOA Master Policy Before Looking for Condominium Insurance Quotes
If you’re thinking about snapping up a good deal before the inventory dries up, be sure you understand how condominium insurance quotes differ from single-family homeowners insurance.
