Home Owner Insurance Claim: Pre-Claim Preparations Nobody wants to be in a situation where one has to file a home owner insurance claim. After all, when you do that, it can only mean that something unpleasant has indeed happened. Now, purchasing an insurance policy is one way to get ready for untoward incidents such as fire, floods and property crimes. However, it also counts to be ready when the time comes that you have to file...more
What You Should Know About New York Home Owner Insurance New York is one of the United States' prime cities. The city has among the highest cultural diversity and the diversions one can engage in is just as, well, diverse. The large population and an equally large want to live in the city resulted to real estate being highly valued. Now, since owning a home in New York is no joke, what with threats of quakes, winds and, let's face...more
New Jersey Home Owner Insurance In New Jersey, home owner insurance isn't required at all, except maybe, if you have a mortgage. However, a mortgage should not be the sole reason for you to get adequately covered by insurance. There are some areas in the state where crime rates are high, and in such places, crimes against property are the main cause of damage. Add the likelihood of a fire happening and you'll be a sitting duck for disaster.It would help if you know the basics of home owner insurance premium rates. You'll pay less if you don't include the value of the land. Remember that you'll pay more for a higher-valued home because the insurance company would have a larger amount to pay when something happens. And while land can get messed up in appearance, you can't lose it in a fire or through vandalism. You will also pay less insurance for a house in tiptop shape. There are also higher premiums to pay if there is a smoker in the house as that is deemed a fire-risk.Most insurance companies in New Jersey will charge higher premiums if your home is in an area where there is no full-time fire service. The amount of premium that you have to pay is also directly...more
Florida Home Owner Insurance: Top Tips for Insurance Policy Shoppers In Florida, the theme of the day is fun-under-the-sun. However, just like any place with a tropical or subtropical climate, it also has its share of storms and hurricanes. If you live in the area, you would have been used to the sizzling summer – and the afternoon...more
On Choosing a Home Owner Insurance Policy Provider in California In California, the insurance industry is a whole new ball game. It is one of the few states where perils range from those brought by the weather (think hail and flood), geological conditions (earthquakes) and, at a number of places, high crime-rates. Not to mention some...more
Texas Home Owner Insurance: On Rebates and Reduced Rates It is a known fact that home owner insurance rates do vary from one state to another. The thing is, while the average premium rates may be different in Texas, the insurance business in the state is still driven by the same logic behind other states in the US. However, there are also things that can reduce the premium that are distinctive of Texas home owner insurance policy providers.Insurance rates depend on the risk factor, which is all about the perils one is insured from, as well as the value of what was being insured. For example, if your home has high market value, the damages you will have to file claim for will be of high amount as well. So, you'll have to pay higher premiums. On the other hand, if you install fire alarms or a security system, that will lower the chances of untoward incidents happening. In that case, you will probably be given a discount. That's business. And those insurance business 'rules' apply in virtually every state.There are, however, discounts offered by Texas policy providers that you may not encounter anywhere else. In Texas, when you retire, you can get rebates. The logic...more
Home improvements and buildings insurance This article is based on my research and does not constitute financial advice. I have included links to http://www.lloydstsb.com as I feel they may be helpful to the reader for general...more
Home Warranty Coverage: Can You Buy Peace of Mind? Buying a home is a big decision for most people, one that generates a lot of stress. Making the decision to build a custom home instead of purchasing an existing home is even bigger....more
Types Of Home Insurance In BC Protecting the assets of your home and personal belongings are top priorities for most BC homeowners. There are many categories of home insurance coverage and various types of benefits that are associated...more
how to select a good home insurance plan If you ever wondered what exactly is home insurance, here is an overview –Home insurance or Homeowners insurance basically provides financial protection against disasters. It is a standard...more
Stroudsburg Residents Learn About Taking Inventory for Your Homeowners Insurance No one plans to lose their valuables and other belongings in a burglary, a fire or a natural disaster. If one of these unfortunate events destroyed your...more
Homeowner's insurance too high? HO-3The most popular type of home insurance is called HO-3. This kind of policy offers property protection and liability insurance. Property protection means that you will be reimbursed for...more