With the recent Japanese quake and subsequent stories about the vulnerability and possibilities of similar disasters striking here in the U.S., many homeowners are wondering about protecting their primary asset, their home, should a large earthquake hit their region. Whether you should or should not have earthquake insurance is a conversation you should have with […]
Homeowner’s Insurance: You May Not Be Covered
The seventh largest quake ever occurred March 11th. The eighth largest quake occurred last year. The third largest quake occurred in 2004. Add to this hurricanes and floods, and it seems like natural disasters are on the rise. Everyone should be well aware by now, earthquakes and tsunami’s like Japan recently suffered are not normally […]
Insurance Rates Tied to New Software
Homeowners insurance rates may be going up with new hurricane modeling software. The new software package from Risk Management Solutions, Inc. goes way beyond the criteria that other models project. The factors include the size of the hurricane and how much of it is still over the water, how fast it is moving, and whether […]
5 Tips for Choosing Homeowners’ Insurance
Finding the right homeowner’s insurance is a tough job. Here are some basic tips to make choosing homeowners’ insurance an easier task: Get past the advertising fluff. When selling your home and buying a new one, your mailbox can fill with solicitations—and one of the front-line offenders are homeowners’ insurance companies. Our quick scan of […]
Home Prices Are Down, So Why Not Insurance?
If you’re a homeowner, chances are your house is worth less than it was five years ago. But you could still be paying more to insure it. Despite the deep housing bust of the last few years, the cost of rebuilding a damaged home — in other words, what you pay insurance for — has […]
Foreclosure Mess Highlights Value of Title Insurance
When homebuyers and people refinancing their mortgages first see the itemized estimate for all the closing costs and fees, the largest number is often for title insurance. This moment is often profoundly irritating, mysterious and rushed – just like so much of the homebuying process. Lenders require buyers to have title insurance, but buyers are […]
House Insurance: Do You Have Proper Coverage?
Is your house insurance adequate? Many insurance policies have automatic escalator provisions that periodically boost the coverage. Make sure the replacement value of your house meets industry standards, so you will not suffer a financial loss if your house is destroyed. Some people purchase mortgage life insurance so that in the event of death, their […]
Homeowners Insurance: 5 Things You Should Know
1. Loyalty is Overrated Many insurers have been raising rates to make up for losses they suffered during the financial crisis. At the same time, insurers are competing hard for new customers, which means some of them are cutting better deals for new policy holders than for existing ones. When your annual renewal statement arrives […]
House Approves Flood Insurance Reform
House Approves Flood Insurance Reform The US House of Representatives have approved a flood insurance reform bill that would reauthorize the National Flood Insurance Program (NFIP) for five years. The provision, which extends the program to Sept. 30, 2015, passed by a wide margin, 329 to 90, with support from both Democrats and Republicans. It […]
Flood Insurance Program Extended
Flood Insurance Program Extended The National Flood Insurance Program (NFIP), which had lapsed for a month, was extended to September 30th by the Senate. Thousands of home sales in flood prone areas were held up because lenders will typically not fund mortgage loans for homes that are in a flood plain that do not have […]
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