Homeowners Guide

While most home insurance policies cover fire-related damage, fire damage that is due to arson is excluded from coverage. It is crucial to understand what arson is, why it is excluded, and how it may be determined to be the cause of a fire. Fire damage happens very frequently in the U.S. According to the ... Read more

Understanding the differences between homeowners insurance policies will help you choose which one is the best for your home. HO-3 Home Insurance An HO-3 home insurance policy is one of the most common forms in the home insurance market. This policy provides protection for your property, yourself, and the people in the home. It is ... Read more

Finding the right home insurance is crucial if you want to get the best protection for your home. There are different types of home insurance policies and some may provide more coverage than others. One of the common information homeowners want to know is the difference between HO-3 and HO-6 home insurance policies. HO-3 Home ... Read more

If your roof is 20 years or older, getting a new policy or renewing your existing insurance can be difficult but not impossible. While insurance companies generally implement stringent policies on underwriting homes with roofs that are older or have signs of deterioration, there are some available options that you can consider if spending for ... Read more

The number of people who are using the sharing economy services such as AirBnB and Uber in the United States was forecasted to increase to 86.5 million by 2021, according to Statista. This means people who rent out their homes through Airbnb can expect continuous income in the years to come. Short-term rentals or home ... Read more

Have you heard about CLUE? It is a database used by insurance agents to help calculate the risks when a customer is applying for a home insurance policy. However, is this insurance database public record? Find out more in the article below. Who can have access to a homeowners insurance record? As a rule, only ... Read more

Tiny house insurance is an important consideration if you are into this kind of lifestyle. Over the past few years, more and more people have adopted the “tiny house movement”. This is moving to a tiny home for a period of time or permanently. Living in a tiny house, however, is a very unique situation ... Read more

Getting homeowners insurance is important to protect the dwelling in the event damage occurs. Many hazards can be responsible for this damage, so it is necessary to have protection just in case. In many cases, lenders require homeowners insurance by law. Securing a policy is simple, but you might be wondering if it is possible ... Read more

Your homeowners insurance is a safeguard from any unforeseen eventuality. But when you talk about a diseased tree, it can be considered an imminent issue that you, yourself, would have to deal with. The mere fact that it is diseased, means that it can, at any time, fall on your own house, your fence, or ... Read more

Insurance companies can take up to a couple of weeks to several months before paying a claim, depending on your state laws and where you’re residing. State laws require insurance companies to pay their customers’ claims in a suggested timeframe. However, not every state has this type of law. In some states, the law gives ... Read more

One of the biggest trends these days are homeowners going “off-grid”. This means residents are choosing to save their money through living without the usual overhead expenses of having energy running 24/7. While you may be allowing a unique experience or simply making sure that you are not contributing to harming the environment, you may ... Read more

The fourth section of a standard home insurance policy is section D loss of use coverage. This section of coverage is meant to protect the homeowner from any additional living expenses that may be incurred as a result of damage to the home.