Take the Time to Comparison Shop Getting multiple quotes is an important part of saving money on your insurance premium. And a great way to get multiple quotes is through an online matching service like InsureMe. By entering your information into InsureMe’s quote application, you will get matched with local insurance agents who can help … Read more
Consider Your Deductible Your homeowners deductible can greatly affect the amount of your monthly premium. If you change from a $500 deductible to a $1000 deductible, you may save up to 25 percent on your monthly premium. You should decide whether you are looking for a home insurance policy that covers all property damages, or … Read more
Protecting Your Home Will Protect Your Homeowners Insurance Premium If your home is protected from fire, theft, and natural disasters you are going to be less likely to make a homeowners claim. Insurance companies offer a discount for various home safety devices such as burglar alarms, smoke detectors and even dead bolt locks. Also, if … Read more
Homeowners insurance protects your home and possessions from damage and loss. But flooding is not covered by basic homeowners insurance policies, to the surprise of many homeowners. Flood insurance is a type of insurance policy backed by the federal government and designed in cooperation with the local community and private insurance companies. When should flood … Read more
Residential alarm systems can promote home security, but what are your choices regarding security and what are their benefits? Can you get a discount on your homeowners insurance if you have a security system installed? Just posting a security company’s sign on your window or in your yard may deter potential burglars, but educating yourself … Read more
The threat of natural disasters such as earthquakes, hurricanes, floods, tornadoes, hail, mudslides and wildfires is a reality of life for many Americans. These anomalies cannot usually be avoided, but their effects on your property and life can be minimized. If you become a victim of one of these disasters, what should you do? The … Read more
A recent increase in home insurance costs compounds the importance of comparison shopping for the best homeowners insurance quotes. But what is causing this price increase and what steps can you take to keep premiums restrained? This article will examine these factors and give you solutions for lowering your premiums. The large number of people taking advantage … Read more
The toxic mold issue gained national attention when activist-turned-celebrity Erin Brockovich testified before the California legislature in 2001 that she, her husband and their three children were battling mold-related illnesses, due to fungus contamination in their home. Since then, homeowners everywhere have been curious about the more than 100,000 species of mold that can contaminate … Read more
According to the Centers for Disease Control, approximately 4.7 million U.S. dog bite incidents occur each year, resulting in costs equaling almost $1 billion. The property/casualty industry paid $310 million of that in 2001, up from $250 million five years earlier. Insurance companies are not only wise to those figures-they are reeling from claims against … Read more
In 2004, Congress passed legislation designed to solidify the National Flood Insurance Program (NFIP), managed by the Federal Emergency Management Agency (FEMA). This legislation comes after the program, founded in 1968, was extended for a year in January 2003. The new legislation extends the program for five years, while making important changes to steady the … Read more