A resource hub for homeowners.
On average, the annual cost of a homeowners insurance policy in 2020 is $1,445, but in reality, the average cost between different regions, states, and individual households can range greatly. A number of factors come into play when an insurer is determining your home insurance quote, including: Home age Condition…
When purchasing home insurance for your condo or townhome, you need to be sure that you get a policy that adequately covers the cost to repair or rebuild your property. A standard homeowners policy will cover and reimburse the cost to fix damage to your home in the event of…
When you’re preparing to purchase a home, your mortgage lender may require you to purchase title insurance. The reason lenders ask borrowers to purchase these policies is because they don’t want any legal and financial claims on the property that become known after the sale is finalized to cause lengthy…
The structural components of your condo and the property within are covered by two types of policies: a master policy purchased by your condo association and the individual condo insurance that you choose to purchase. When you purchase a condo, your mortgage lender will require you to obtain a condo…
Although condos are purchased and not rented, condo owners won’t be able to purchase homeowners insurance for their property. Homeowners and condo insurance policies have several important distinctions that condo and homeowners need to know when considering properties they want to buy. At the end of the day, condo and…
In the United States, condo insurance costs average for 2020 is $478 for an annual premium. The cost of condo insurance policies, however, can vary greatly, and to understand why, you need to know how condo insurance works and what can affect the types and amount of coverage needed to…
When shopping for the best condo insurance, you need to take a look at a variety of options, but the process can feel overwhelming because of how many policies there are on the market. Much like homeowners insurance, standard condo insurance includes several different types of coverage. While you want…
If you live in a condominium or apartment, you will need to consider if you want home insurance. The options available for your situation, condo insurance, and renters insurance, respectively, have differences compared to standard homeowners insurance policies that you need to know. Table of Contents1 What Insurance Do You…
When mortgage lenders extend a loan to a future homeowner, they want to make sure that their profits are protected. If a homeowner is making a downpayment of less than 20% of the value of the loan, lenders often require that the borrower purchase a private mortgage insurance (PMI) policy….
Mortgage lenders will often require their borrowers to have various insurance policies in order for the loan offer to proceed. The policies they ask for borrowers to carry will depend on the circumstances of the loan and the home being purchased. These policies can either insure the structure of the…
Flooding can cause extensive damage to your home, so if you are purchasing a home in an area with a high risk of flood-related damage, your mortgage lender may require you to have a flood insurance policy before you can close on your new house. Table of Contents1 Why Your…
Water damage in the home can be a source of enormous stress and cause you to have to deal with frustrating repairs, property loss, and inconvenient interruptions to water usage in your home. Dealing with these issues can add to your stress when you have water damage, so it’s important…
Volusia County is located centrally along the Atlantic coastline of Florida. The US Census Bureau estimated Volusia County’s 2019 population at 553,284 people, which makes it one of the most populated municipalities in Florida. Table of Contents1 Living in Volusia2 Home Insurance Premiums in Volusia County3 Flood Insurance in Volusia…
Lake County is a centrally located county in peninsular Florida, and the county has a relatively large population compared to many of its neighboring counties; as of 2019, the county has close to 370,000 residents. As its name suggests, Lake County has numerous natural bodies of water within its borders,…
Sumter County is a landlocked area of Florida that is home to over 130,000 residents as of 2019. Located in central peninsular Florida, Sumter County contains The Villagers Metro Area, which is included in the Orland-Deltona-Daytona Beach Statistical Area and is home to a majority of the county’s residents. Table…
Pasco County is located halfway down the Gulf Coast of Florida’s peninsular and is among the most populous counties in Florida, and as of 2019, the US Census Bureau estimates the county has over 550,000 residents. The county is made up of several of the state’s mid-sized cities as well…
Located midway down peninsular Florida’s gulf coastline, is “known as Florida’s Adventure Coast,” and it offers visitors a variety of cultural and natural attractions throughout its various communities. Hernando County has a decently sized population, with an estimated 193,920 residents as of 2019 according to the US Census Bureau. Table…
Centrally located along the Gulf Coast of peninsular Florida, Citrus County has a moderate-sized population, with just under 150,000 residents according to 2018 estimates from the US Census Bureau. The county is home to a variety of wildlife, especially within the county’s completely or virtually uninhabited islands along the coastline….
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