Paying for more homeowners insurance than you need is a waste of money, but it can prove even more costly to get caught without enough coverage. What you need is “just the right amount” of coverage. Here’s how to get it, and it shouldn’t take more than 4 or 5 hours of your time spent […]
Insurance from Associations: Deal, or No Deal?
If you’re a member of an association, like the Elks or AARP, you’ve no doubt seen the pitches: get your life, car or home insurance from us and save money. But do you? Have you shopped these association offers to compare? What have you found? Higher costs, or deals?
Finding Affordable Homeowner Insurance
Any homeowner buying a home needs to consider a homeowner insurance policy to protect their investment. A policy can protect in cases of fire, flooding, vandalism and even earthquakes. Looking for a good homeowner insurance policy does not need to be complicated. The best place to start is by shopping online. Searching sites will take […]
Flood Insurance Explained
In light of all the unfortunate flooding we’ve all been seeing on the news of late, you may be wondering, “What if this happened to me? How can I protect myself and my family?” According to FloodSmart.gov (the official site of the National Flood Insurance Program), everyone is at risk of flooding. Floods can happen […]
Insurance Tips for Real Estate Investors
Investing in real estate can be a risky business, but one thing that will help you minimize your risk is making sure you have the right insurance. Here are some different types of insurance you should consider if investing in any type of real estate: Title Insurance Title insurance wіll hеƖр cover you уοu іn […]
Renters Beware: You Need to Buy Insurance Too
Everyone knows a property owner needs an insurance policy, but many renters overlook the fact that they, too, need coverage. Some think that because the landlord has an umbrella policy, they don’t need additional coverage. Then there are college students who believe their parents’ homeowners insurance covers their apartment. People somehow don’t think about renters […]
5 Myths About Homeowner’s Insurance
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 […]
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 […]