The difference between a home warranty and your homeowners insurance is that the home warranty will protect the things that allow your home to function properly when they begin to wear down while the homeowner’s insurance will protect the home and your personal belongings from sudden, accidental loss and not due to normal wear and … Read more
Coverage A of your standard homeowner’s insurance policy which is known as the dwelling coverage is going to protect the main dwelling of your property against physical damage caused to the residence including any interior fireplaces, flooring, bathrooms, or structures that may be attached to it on top of the same foundation, e.g. decking, garages, … Read more
Most everyone wants to save as much as they possibly can with their homeowners insurance premiums. Many want the answer to the same question, do I have to pay for additional structures if I don’t have any? And the answer is not really cut and dry. With a standard homeowner’s policy, you are getting a … Read more
When you purchase a condo, you are buying into a unique set of circumstances as far as the property and the insurance needs. A homeowner’s association or perhaps a condominium board will generally control the grounds and the property. You bought the four walls that surround the home and you pay the association fees that … Read more
Standard home insurance policies devote 10% of the coverage for the main dwelling coverage towards other structures on the property which would include detached garages or fences and a multitude of other items. Your plan will outline the protection that these structures obtain as Coverage B, while the main dwelling has its protection provided under … Read more
Bicycling is becoming a popular mode of transportation as well as a recreational form of exercise and sport. People are spending anywhere from a few hundred dollars to upwards of a few thousand dollars for high-quality bikes. Bicycles are covered under your standard homeowners insurance plan as part of your personal property. You will be … Read more
No one is probably listening when a tree falls in the forest to really know the answer to if you can hear it or not, but when a tree falls on someone’s home, everyone hears it loud and clear. The question is whose homeowners insurance is responsible when a tree in one neighbor’s yard falls … Read more
Your backyard gazebo may not be the featured piece on any of the high-priced designer living magazines. It may be simplistic with very few embellishments or architectural elements that would typically make a gazebo shine. But your gazebo is valuable to you and it may still require that you have additional coverage beyond what your … Read more
When you’re researching for a homeowners insurance company, the biggest thing you want to take into consideration is how many complaints there are and what type of complaints stand out. Many carriers are going to have a smudge here or there from their policyholders in one category or another due to claims that may not … Read more
Homeowners insurance covers theft as one of the named perils in your standard benefits package for contents stolen within your home and structures on your premises but also off-premises including personal belongings left inside your vehicle. This is effective whether your car is parked in the driveway to your home or sitting in a shopping … Read more
