As the holidays draw near, now is the perfect time for home insurance companies to remind customers to be safe when putting up electrical decorations, especially Christmas tree lights.
Though tree lights are much safer than they used to be, they can still cause fires when not used carefully.
Your home insurance policy is designed to protect your house and personal belongings should some kind of damaging event occur.
Homeowners insurance policies do have limits and some may not cover everything you assume they would.
That’s why it’s so important that you understand what is actually covered by your [...]
Although you may dread the bill when it comes, homeowners insurance is an essential part of home ownership that provides critical protection for your home and its belongings.
Home insurance rates can widely vary depending on a number of different factors, some of which may fluctuate over the life of the [...]
Protecting your home with the right insurance coverage from a home owners insurance agency is an important part of home ownership.
How much you pay for your policy will depend on a number of variables, including those listed in Part 1 of this article.
Below are some additional factors that [...]
Sometimes even those with the best intentions can make mistakes and miss a bill payment deadline.
When the missed deadline is a payment for home insurance, many homeowners absolutely panic.
Will this cancel my policy? Is my home now unprotected until that payment is received by my agency?
These are [...]
Hurricanes and severe storms can wreak havoc on your home, especially if there is flooding and other catastrophic damage involved.
A good home insurance policy is your first defense against damage to your house; however, be warned that there is certain damage not covered by most standard policies.
To make [...]
A good home insurance policy will reimburse you for valuable personal items stolen from your home if you are the victim of a home burglary.
Unfortunately, monetary reimbursement by even a really great home owners insurance policy cannot bring your items of value, whether a sentimental family heirloom or a one-of-a-kind [...]
A homeowners association or HOA must have insurance just like individual homeowners. Home HOA insurance covers the association for risks involved with property maintenance and liability concerns in neighborhoods that have a homeowners association. Yet this insurance is different than regular homeowners insurance. Associations must ensure they are [...]
Many neighborhoods that include condos and single-family homes require property owners to be a part of a homeowner’s association. These groups carry home HOA insurance, which covers them against liability and other losses that occur within the community, protecting association members both legally and financially. Many association members [...]
Home owners insurance is a staple that any person who owns a house needs to protect their dwelling and its contents. Yet what many homeowners may not realize is there are limitations on what property is actually covered by home insurance. In particular, this applies to antiques [...]
