Many homeowners believe their homeowner’s insurance policies will cover them for practically any damage sustained to the house or contents. The reality is that homeowner’s policies contain many exclusions and restrictions on coverage that can leave you with a coverage gap. Here are five common myths about homeowner’s insurance. 1. Loss-of-Use CoverageIf you have damage […]
Home Security, Basic Tips and Advice
Now that summer is just around the corner, we all need to start thinking about securing our home, especially when on vacation. Here are a few basic tips for helping you keep your home secure. Always Lock Doors and Windows It sounds simple, but it’s very easy to leave doors and windows unlocked, especially if […]
As Remodeling Rebounds, Caveats for the Homeowner
One part of the housing market experiencing a rebound that will probably continue even if the rest of the market remains sluggish is remodeling. A recent report by the Joint Center for Housing Studies at Harvard University predicted that remodeling would rebound strongly this year after a three-year downturn. Annual growth in remodeling is expected […]
4 Steps to Protect Your Home Against Disaster
Three-quarters of families are unprepared for natural disasters. Stow some water and non-perishable food, and protect your home from power outages and flooding with these 4 projects: 1. Add Emergency Power A portable generator keeps essential electrical items running during blackouts: from your heat, refrigerator, and key lights to your Internet and cordless phones. It’s […]
Earthquake Insurance: Should You Get It?
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 […]
Health Care Without Insurance – $100 a Month
Health Care Without Insurance: $100 a Month. Sound impossible? Stacy Johnson explains… Have an opinion about Health Care that you’d like to voice? Sound off by clicking the “comment” link below.