Homeowners Guide

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

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

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

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

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

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

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

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

You may be wondering, if you have a Federal Housing Administration or FHA loan, what your homeowners insurance requirements are. Homeowners insurance is usually a lender requirement, but the FHA loan program has specific insurance requirements for both the borrower and the lender. To understand the requirements you must meet as a homeowner with an ... Read more

Whether you live in a single-family home in a neighborhood with a Homeowners Association or a condo with a Homeowners Association, you need to research the coverage your HOA has and what protection it offers for each property owner. Understanding the coverage of the association prevents you from having gaps in your coverage that could ... Read more

Homeowners insurance and property or dwelling insurance sound similar, but cover different situations for different reasons. Homeowners insurance will likely be the insurance you use for your main home. Homeowners insurance consists of three crucial parts: structure, liability, and personal coverage. Dwelling insurance largely just covers the structure itself and protects it from natural perils, ... Read more

It’s official! You have decided to buy a home under a mortgage. Owning your own home isn’t just rainbows and unicorns. You will soon realize that the expenses are beginning to pile up. Apart from the payment to your lender, you will also have other bills related to the purchase of your home. You will ... Read more