There are a lot of questions that people have when it comes to their credit score. A question we’ve been seeing a lot is, “Does getting home insurance quotes affect … Read more

What happens if your laptop is stolen from your house? What about your TV, or that expensive piece of jewelry you just got for your birthday? If you have homeowners … Read more

It’s a question that many people ask: does homeowners insurance cover negligence? The answer, unfortunately, is not always straightforward. There are a few factors that need to be considered when … Read more

There comes a time in everyone’s life when they have to say goodbye. Whether it’s a relationship, a job, or a home insurance policy, sometimes it’s just time to move … Read more

Trampoline accidents result in tens of thousands of emergency room visits across the country each year. Not surprisingly, homeowners insurance companies know this and charge a higher premium to cover … Read more

The question of how old a roof can be before homeowners insurance will not cover it is a common one. Most insurers have a cut-off age for roofs, after which … Read more

When you are looking for homeowners insurance, one of the things that you will need to ask about is whether or not your policy covers an irrigation system. Many people … Read more

There is no doubt that a wood stove can increase the comfort level of your home on a cold winter day. But did you know that it can also impact … Read more

As with auto insurance, you can change your homeowners insurance at any time. However, before making a switch, be sure to compare the coverage amounts, deductibles, and insurer ratings for … Read more

Unfortunately for homeowners, claims do increase their home insurance premiums. How much depends on the claim type and size. Also, the previous claims history for the property and the homeowners … Read more

The average homeowners insurance deductible sits at $500. However, dollar-denominated deductibles range from $500 to $4,000. Also, some policies, usually those written for properties in high-risk areas, use a percentage … Read more

If you take out a mortgage, you need homeowners insurance at the closing. Lenders require proof of insurance before funding the loan, so the deal cannot close without it. You … Read more

No homeowner should forgo insuring their home because the cost of replacing the structure, its contents, and potential liability is far too high for most families. Specifically, it is important … Read more

Insurance companies report homeowners claims history to the Comprehensive Loss Underwriting Exchange (CLUE) database, a repository compiled by Lexis-Nexis that records past claims under property addresses and the insured’s name. … Read more

There’s no one definitive answer to the question of how many claims are allowed in home insurance policies. The number of claims you’re allowed to file may vary depending on … Read more

After a natural disaster or another insured event, your home insurance company will send out an adjuster to assess the damage. This person’s job is to determine how much money … Read more

There’s no doubt about it – homeowners insurance is a vital part of protecting your home and your family. But what happens if you’re the victim of contractor theft? Does … Read more

When searching for a home insurance policy, it’s essential to find a plan that covers your main dwelling, all unattached structures, and liability claims. In addition, an affordable premium, reasonable … Read more

No state has a legal requirement for homeowners insurance. Whether or not to insure the home remains the decision of the homeowners and mortgage lenders.  If you own your home … Read more

Homeowners insurance companies expend a large amount of effort determining the cost of replacing homes and base their rates largely on these estimates. In addition, they consider other factors, such … Read more

A tree that is struck by lightning can cause a lot of damage to your home and property. In many cases, homeowners insurance will cover the damages caused by a … Read more