Frosty winter days call for hot chocolate and warm fires—not home maintenance. You can help keep winter weather from infiltrating your home by properly preparing for the cold months ahead. And if Jack Frost does come nipping at your nose, having the right home insurance coverage helps ensure you have the funds to make any … Read more
Apartment insurance, more commonly known as renters insurance, protects you against loss and damage to your personal belongings when you rent a house or apartment. Many renters make the mistake of assuming that any damages will be covered by their landlord’s insurance when, in actuality, the landlord’s insurance will only cover damage to the structure … Read more
Normally used to insure investment, rental, vacation or seasonally occupied homes, dwelling insurance is a type of homeowners policy that provides very basic coverage for second homes at a minimal price. What Makes It Different? Designed to protect secondary homes against physical damage caused by fire and other named events, this type of coverage: Usually … Read more
If you live in an area prone to flooding, the Federal Emergency Management Agency (FEMA) requires you have flood insurance. However, even if you reside in a relatively dry climate, you may consider flood insurance to cover damages that may result from storms, melting snow, inadequate or overloaded drains, or hurricanes. Standard homeowners policies do … Read more
Flood. Earthquake. Hurricane. Wildfire. Each of these weather events can cause significant destruction to our property—and our wallets. But with hazard insurance coverage, you can rest easy knowing your assets are covered. Home Insurance Coverages If you own a home, your mortgage lender probably requires you to carry homeowners insurance. This policy protects the structure … Read more
Your mobile home is probably one of the most expensive things you own. Not surprisingly, you want to protect it from damage and destruction. Mobile home insurance can provide just the coverage you need—and with a few tips, you can find an affordable policy. What does it cover? Insurance for your mobile home is a … Read more
Residence insurance isn’t a specific insurance type, but simply refers to any type of homeowners policy that you purchase to protect the financial investment you’ve made in your abode. What it Covers This type of plan is often referred to as a “package policy.” That’s because it provides coverage for: Damage to the structure of … Read more
Home ownership: it’s an American dream. But buying a place of your own or settling the family in new digs requires financial commitment. That means saving for a down payment, getting the right loan and—perhaps most importantly—finding affordable home insurance. Whether buying a first home or a fifth, all homeowners need insurance to protect against … Read more
Sept. 11, 2001 World Trade Center (terrorist attacks) Loss: $39,200,000,000 With images of burning towers seared into our collective memory, the 9/11 attacks need no introduction. Although not typically thought of as a ‘fire,’ the 9/11 attacks resulted in the most costly blaze in our country’s history. What’s more, 9/11 was also one of the most expensive catastrophic events of any … Read more
No, but your 80-pound pit bull might. As much as it would boost their confidence, Pomeranians do not contribute to higher homeowners insurance rates. By now, most people have grudgingly accepted that home insurers look at dog breed when setting their rates. These breeds in particular are known to raise red flags among insurance companies: … Read more