Homeowners Guide

Most homeowners will be required to carry homeowners insurance by their mortgage lender. In order for your home loan to be extended, insurers will ask for proof that you have already paid for one year’s coverage before closing can be completed on your house purchase. Why Mortgage Lenders Require Homeowners Insurance For the duration of ... Read more

Having the right amount of coverage is one of the most important aspects of shopping for home insurance. There are several types of coverage under a standard home insurance policy and each has its own limits. As a result, figuring out the differences between different policies can be tricky. Home buying can be a very ... Read more

Old mobile homes often need to be brought up to date with new materials and fixtures, which allows you to enjoy the spaciousness and affordable price of an older mobile home with having to live with out-of-date amenities. Once you’ve put in the work making your mobile home right for your family’s needs, it’s important ... Read more

Homeowners insurance is insurance coverage that offers you financial protection in the event that your home and (to a certain extent) your personal property within are damaged or lost.  There are several components to understanding if a homeowners insurance policy is meeting your coverage needs, including knowing what your policy does cover versus what it ... Read more

While title insurance can often be included as a part of a mortgage agreement when a person buys a home, many people don’t actually understand what it is and how it can protect them. It’s usually a type of coverage that mortgage lenders will require you to carry. Title insurance is a policy that covers ... Read more

Homeowners insurance is generally a required part of homeownership with a mortgage lender, and its a good idea to have even if you own your home outright. When planning your household budget, you might want to know your options regarding monthly or yearly payments. There a few things to consider when contemplating choosing monthly or ... Read more

While landlords carry a significant amount of responsibility for the homes they rent out, it’s important for renters to understand their options for coverage.  This issue can seem harder for people entering a rent-to-own agreement to understand, so, before deciding to proceed, you should make sure you understand the details of what this type of ... Read more

Homeowners who have firearms often wonder how their gun ownership can affect their insurance. It’s important that people with these questions understand that there are two perspectives under which you have to examine this issue: Considering a firearm as a source of elevated risk in the home. Considering a firearm as a valuable to insure. ... Read more

Has your insurance provider suddenly announced an inspection? The inspection helps insurance companies reaffirm that your policy is adequate and if they discover nothing unusual, the policy will remain active. However, the policy might be canceled or your coverage lowered if the inspector deems that your home replacement cost is too high. The reverse can ... Read more

There are few things more frightening than getting caught in a house fire or returning home to discover everything you’ve owned has been burnt to the ground. Your house collapsed and your belongings were reduced to a pile of ash. All that remains is a somber shade of black. This has happened to thousands of ... Read more

“Make a home inventory!” It’s one of those things we’ve been hearing by financial advisors on TV and our insurance agents often recommend this to us, yet we tend to hold it off. Official polls by the Insurance Institute show that only 50% of all homeowners make a home inventory list, a percentage that seems ... Read more