The purpose of homeowners insurance, which is also known as hazard insurance is to provide protection, coverage and liability to a homeowner. This is a binding contract between you and your insurance company and like any other contract it is always important to know what you are investing in so you should thoroughly read your [...]

If your home is a victim of burglary and damaged in the process, you probably know that your contents are most likely covered in some part of your insurance policy. What you may not realize is that if your home is damaged during a burglary, this damage is also probably covered with your homeowners insurance. [...]

Insurance companies constantly compile statistics concerning risk. Each category of risk is given an importance as how this factor will contribute to a problem that will involve them in paying a claim. Since they are in the business to pay out the least claims possible, this makes sense. If they find you engage in activities [...]

Before the unthinkable happens and your property is damaged or stolen, be prepared. If you wait until you are faced with the problem, you’ll be scrambling to figure out what is missing, locate receipts, all while dealing with a stressful event.
First, document your property. Take pictures of any expensive jewelry, furs, antiques, or electronics. [...]

Homeowners insurance can travel with you to your new home, second home and even a relocation to a different state. If you just finished building a retirement home, have moved to a different state, or have relocated to a different part of town, try to use your existing insurance company. Your homeowners insurance might even [...]

An unlikely but frightening scenario to be caught in, is a house fire. A fire can do anything from causing smoke and water damage, to gutting the entire house inside and out. Though it may appear that the insurance company will pay to restore the home to its former glory, it depends on the terms [...]

The only way an addition to your home will affect your homeowners insurance is if there is a negative feature to this addition. When you add an addition to your home usually it is for a growth in your family or expanding an existing room. Adding a sun room or den will not affect your [...]

Sometimes unexpected things happen at your home. These events may cause damage to or loss of your home or may cause injury to you or your family. For example, your sidewalk may be cracked, broken and uneven. You may trip and fall and become injured on your way into or out of your own house. [...]

It is possible to file a claim on a homeowner’s insurance policy in a few cases even if you are not the main person on the policy. If the insurance policy in question is in a relative’s name and the relative is also the legal owner of the home, a claim can be filed. For [...]

Insurance providers are beginning to see a new generation of consumers who want everything they buy to be ‘green’, particularly in their homes. Being conscious of the environment can pay off as ‘green’ homeowners insurance is becoming popular. There are more and more companies today who are offering these types of policies and coverage.
A ‘green’ [...]