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Expecting Home Insurance Premium Increases
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5 Steps Home Insurance Policy Holders Must Take Now
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Do I have to have home insurance?
Do I need homeowners insurance if I'm a renter?

Expecting Home Insurance Premium Increases

June 1, 2011

The tornadoes the Midwest is currently experiencing are scary and dangerous. Unfortunately, they also aren’t something that a homeowner can really guard him or herself against. While building code compliance can ensure that you are less likely to lose your roof in a fierce storm, tornadoes are so destructive that often, there is absolutely no offensive measure for a homeowner to take.

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5 Steps Home Insurance Policy Holders Must Take Now

February 14, 2011

You might think that once you’ve bought your home insurance policy your work is done. But there are a few other things you need to do to get ready for the possibility of claims.

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What Home Insurance doesn’t Cover

January 13, 2011

You have home insurance.

You’ve read the policy and you know you can afford the deductible.

You know what your home and property are worth, so you know that the limits on the policy are acceptable.

You can afford the premium and you have already paid the policy up for the entire year.

You are safe and your family is protected.

Or is it?

Often, policyholders don’t realize that having a home insurance policy alone is not enough to actually protect their home and possessions from all the perils they face. Why? Because home insurance policies do not cover certain perils like earthquakes, landslides and floods.

In order to ensure you have coverage in the event that a natural body of water overflows and floods your home, or an earthquake occurs and shatters your home’s foundation, or a landslide ruins the walls, windows and security of your home, you need to either cover these perils through an additional insurance policy or talk to your agent about having additional coverages added to your home insurance policy in order to give a wider range of protections.

But in addition to the uncovered perils listed above, you may also need additional coverage for other small things that you might not even have considered – and that your policy doesn’t necessarily point out as missing. Like debris removal for taking out fallen trees and other debris after a hurricane, collapse and sinkhole damage coverage, insurance for building additions and more.

If you aren’t sure what your policy doesn’t cover, and reading the policy doesn’t help you understand, then you should call your insurance company. They will be able to explain to you the perils covered based on your insurance policy class. And if you are just now getting insurance quotes for rates on a home insurance policy, then be sure to consider including these coverages in your quote request.

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Avoiding Over-Insurance

January 5, 2011

Super size my fast food meal? Yes please! Give me a bigger room at a luxury hotel? You betcha! A huge, luxury car instead of a tiny Smart Car? You know it! These days, no matter where you look, it seems like bigger is always better. If you can get more – then you should. But there is one area where this logic doesn’t hold, and that is in insurance.

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Winter Safety and Insurance

October 14, 2010

Do you know what one of the worst ways to experience the effectiveness of your home insurance company’s claims process is? With the personal injury claim against you because someone slipped and fell on your walkway after a winter storm.

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Home insurance During a Housing Decline

September 6, 2010

If you are like most consumers, you do not read your home insurance policy for the heck of it. You find no fun in curling up with a stack of insurance policy documents on a rainy Sunday afternoon, and you wouldn’t miss out on a dinner date so that you could study your policy spec pages. While this is certainly understandable, neglecting to look over your insurance policy each year when it is renewed could result in your overpayment of premium.

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Bed Bugs and Homeowners Insurance

August 30, 2010

In case you haven’t heard, bedbugs are making a resurgence. And unlike other bug infestations, bed bugs are extremely difficult to get rid of. Because these insects are insidious, families can spend as much as $5,000 getting rid of just one infestation, and may need to replace furniture and linens on top of that.

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Home Insurance Contents Coverage

July 30, 2010

When people think of home insurance, they often picture the actual structure of their home and nothing else. This leads many individuals to purchase insurance for their dwelling but not for all the contents they have within their home.

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Make Processing Health Insurance Claims Easier

July 15, 2010

There is nothing more frightening in the real world than getting a bill for a health service that you thought would be covered by your health insurance policy but isn’t. Different than your standard Certificate of Benefits (COB) a bill is an actual request for payment from a service that is either not covered under the details of your health insurance policy or will not be covered simply because you didn’t follow some procedure correctly. Luckily, there are many ways you can avoid facing this bill:

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Dwelling versus Other Structures

July 3, 2010

If you pick up your home insurance policy some lazy Sunday or if you get a home insurance quote then you will notice you can get home insurance on both your dwelling and on your “other structures.” Typically in a home insurance policy, other structures refers to any building or structure that does not share a foundation with your home.

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