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Homeowners Insurance For Senior Citizens
The premium that you pay for your homeowners insurance will increase depending on how risky it is to insure your home. If a senior citizen is the owner of the property, the risks are higher since they tend to be more forgetful and their response to emergencies may be slower. However, senior citizens are also ... Read more
Greenhouse Insurance
Folks who have a greenhouse at their home have unique obstacles to face if damage were to happen to their investment, even if this is just simply a hobby for them. Homeowners insurance policies are varied depending upon which type you purchase. However, they are pretty specific about what they will cover and what is ... Read more
Named Perils Policy In Home Insurance
Perils are chance encounters for homeowners that are accidental and unexpected causing damage and destruction to their personal property. If your siding is wearing out or your fence is falling down, these are natural occurrences with time and age and are considered uninsured perils. Having someone come and throw a brick through your window is ... Read more
Open Perils Vs. Named Perils Home Insurance Policies
When you’re purchasing something as important as homeowners insurance, it’s crucial that you go over every line of the policy in order to understand exactly what’s going to be covered in case you experience any type of ‘peril’. It is just as essential to know the things that are covered as it is to know ... Read more
Overseas Homeowners Insurance
International home insurance is crucial if you are intent on buying your dream home overseas. It’s just as important if not more so than having the proper insurance on your main dwelling. Even with the best of efforts, you won’t always be there to protect the property from risks including accidental damages or incidences of ... Read more
How Much Homeowners Insurance Do I Need?
Properly covering your home and your belongings can be difficult and some insurance companies may not provide the coverage you need. Finding the best policies for your home is pivotal and knowing how much homeowners insurance you need can save you financially. Important options to assess are possible add-ons to your coverage that you may ... Read more
Is There Homeowners Insurance That Covers Everything?
For most homeowners insurance policies, you will find your home properly protected from potential risks that are listed in your policy. Any damages caused by unforeseen disasters to both your structure and your home contents should be insured. Finding the right insurance policy that will protect your home is pivotal to the home-owning process. But ... Read more
How Do Insurance Companies Estimate The Home Replacement Value?
Leaving yourself unprotected in the face of disaster is a terrifying situation to be in especially if applied to your home and your insurance. Yet many homeowners unknowingly find themselves in this situation every day. It’s because of the home replacement value. The home replacement value is the overall cost determined by your insurance company ... Read more
80/20 Rule Home Insurance
You might have heard of the 80/20 rule in regards to health insurance, but what does it mean for homeowners insurance? When it comes to homeowners insurance, you as the homeowner must have dwelling coverage for at least 80% of your house’s replacement cost in order for your insurance provider to cover the costs of ... Read more
Are Ice Dams Covered By Homeowners Insurance?
As winter weather approaches, being protected by homeowners insurance is a must. This is going to help you cover any damages that may occur during snowstorms and the ice dams that form as a result. Your homeowners insurance will cover the damage caused by ice dams since they are seen as unpredictable and unpreventable circumstances. ... Read more
Does Homeowners Insurance Cover Tornado Damage?
When it comes to homeowners insurance, it’s important to be covered against every possibility. Tornadoes are among some of the most expensive natural disasters and are common in the United States. While the majority of tornadoes touch down in Tornado Alley in the Midwest, tornadoes can occur anywhere, making tornado insurance a necessity. Learn more ... Read more
Homeowners Insurance After Mortgage Payoff
Paying off your mortgage is a huge achievement, but what does it mean for your homeowners insurance after your mortgage is completely paid off? As a requirement of your mortgage lender, you aren’t legally required to have homeowners insurance after your mortgage has been paid off since you no longer have to repay your lender. ... Read more
