Homeowners Insurance

Did you quit smoking last year? Move into a gated community? Do you live within five miles of the nearest fire station? These factors – and many others – make you a safer bet for your homeowner’s insurer, which means you can get a significant discount on your insurance premium. Something as simple as installing
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June 28 is National Insurance Awareness Day and less than a week later, on the Fourth of July, we celebrate Independence Day. This is the perfect time to brush up on your knowledge of fireworks safety and how potential damage or injury could be covered by your insurance policies. For many Americans, the Fourth of
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If you are purchasing or selling a home, a mortgage broker may suggest that you get a CLUE. That’s not an insult; rather, it’s a reference to a report from the Comprehensive Loss Underwriting Exchange, otherwise known as CLUE. What is the CLUE Insurance Report? The CLUE report is in essence a comprehensive insurance claims
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It is time for year-end reviews. Is your insurance coverage included on the review list? If not, it should be. Use this insurance checklist as a starting point to review your policies and address any gaps in your coverage, as well as potential cost savings. Homeowner’s Insurance Change in Value – If your house has
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You have sustained an injury in a slip and fall accident away from your own property. Who is liable for your medical costs? Are you liable, is the property owner liable, or is there a middle ground? Slip and fall cases are sometimes complex and hard to predict, since they are regulated at the state
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Making a down payment on a house could be your biggest investment you make. Now there is a way to protect that investment. Private Mortgage Insurance (PMI) is a method of protecting lenders from risk if you put down a lower down payment on a home (typically less than 20%). The PMI principle assumes that
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For many homeowners, paying off a mortgage occurs only once in their lifetime. Taking on a large debt, especially one that lasts for thirty years, is a substantial commitment that deserves to be celebrated once it’s over. However, once the celebration is done, it’s important that homeowners take the time to make certain that they
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Got a cracked windshield? You might get it fixed for free if your auto insurance includes glass coverage. If a major storm knocked out your power and everything in your freezer went bad, your homeowners insurance may cover the cost of the spoiled food. And, if the stash of emergency cash in your sock drawer
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“Acts of God”, for insurance purposes, are defined as events that occur through natural causes and could not be avoided through the use of caution and preventative measures. In essence, the phrase “Acts of God” refers to natural disasters. The phrase generally brings to mind hurricanes, tornadoes, earthquakes, hail, or floods. However, the lines can
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It is a hectic and bittersweet time as your children head off to college. There are so many issues to consider that it is easy to forget one important aspect — insurance. Insurance policies and coverage will generally change once your children are no longer under your roof. However, with some planning, those changes may
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Dogs bring joy to the lives of their owners almost every day. Occasionally, though, some dogs will injure another person or damage the property of others. These circumstances can cause hefty financial damage to those who do not have proper liability insurance that covers their pets. How to Protect Yourself Financially Insurance can be purchased
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If you have had to do battle with an insurance company to settle a straightforward damage claim, you may be surprised to discover some of the odd things that have been covered and paid under an insurance policy. Actually, a few cases are so outrageous you will probably be surprised whether or not you have
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Dealing with the aftermath of a home-destroying disaster is bad enough without uncertainty regarding your insurance coverage and replacement costs. A full inventory of your possessions can accelerate the process of sufficiently replacing them and starting the recovery process. Most of us have a scattering of files and information on our possessions, but not a
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If you are one of those people who likes to post on social media about all the things going on in your life, there is at least one event you might want to think twice about before hitting the “post” button: a car accident. That is because insurance adjusters are increasingly turning to social media
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Scheduled property covers items in your home that are not specifically covered as part of your standard homeowner’s insurance policy. While your standard policy will certainly include some basic personal belongings, your policy may set limitations on the amount covered for several broad categories, such as $2,000 for jewelry. Scheduling your property allows you to
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If you’ve decided to work from home and/or start a small business, and you’ve converted that spare bedroom into a home office, you may be wondering if your current homeowner’s insurance will automatically protect you in case your office equipment is stolen or destroyed. You may also want to know if you’ll be covered for
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Scheduling Items on your Homeowners policy The term “Homeowners Insurance” is used for insurance policies that insure a person’s primary, owner-occupied residence. This can be a single family home, a multi-family (up to 4 apartments) home, an apartment or condominium. Each residence is insured through a different type of “homeowners” policy. Each policy covers personal
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