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PostThe typical homeowner’s insurance policy provides coverage for your personal belongings. This includes items such as electronics, clothing, and furniture, up to a specified percentage of the coverage amount for your dwelling.Read More: Types of Homeowners Insurance There are also “sub limits” of coverage for “special” items such as valuable jewelry, fur coats, and silverware....
The typical homeowner’s insurance policy provides coverage...
PostThe “Chinese drywall” problem is just starting to snowball. According to Independent Agent Magazine, “the property loss from Chinese drywall could exceed every U.S. hurricane except Katrina (2005) and Andrew (1992).” How much is that? The expected property loss settlements could top $20 to $30 billion dollars.Read More: What does homeowners insurance cover? An estimated...
The “Chinese drywall” problem is just starting to snowba...
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PostIf you’ve ever been to the emergency room at a major hospital, you probably swore never to return. Of course, when you’re seriously injured or ill and can’t visit your primary care physician or network preferred doctor (if dealing with a PPO), all bets are off.Read More: Types of Homeowners Insurance You’ll likely put up...
If you’ve ever been to the emergency room at a major h...
PostA deductible (for property insurance) is the amount of money a policyholder is responsible for paying out of his or her own pocket in the event of a claim. Typically, personal lines policies (home and auto) have a flat rate deductible.Read More: What does homeowners insurance cover? You may see a $250, $500 or $1,000 deductible...
A deductible (for property insurance) is the amount of mone...
PostSo you’re finally ready to buy your dream home, or perhaps that dream investment property. Your credit has been checked, your down payment and assets have been meticulously reviewed, and your employment has been verified by the underwriter. It’s almost time to close on your loan, thank goodness! This is around the time when your...
So you’re finally ready to buy your dream home, or perhaps...
PostUnless you can afford to purchase your home or car outright, you’ll need to obtain financing to pay for it (this includes leased vehicles as well). The Bank Is the Loss Payee or Lien holder The bank or financial institution that lent you the money is referred to as a “lien holder” or “loss payee” on...
Unless you can afford to purchase your home or car outright,...
PostInsurance Q&A: “Is homeowners insurance included in the mortgage?” In order to answer this question, it’s important to point out the difference between mortgage insurance and homeowners insurance. They may sound like two ways to say the same thing, but they serve completely different functions. One is required on every loan while the other is...
Insurance Q&A: “Is homeowners insurance included in th...
PostSo you’ve got homeowners insurance, and now you’re probably wondering who or what is actually covered? Good question, and the answer is probably more people than you would think.Read More: How to Read a Homeowners Insurance Policy A homeowners insurance policy can be thought of as insurance for you and your home, as it insures your...
So you’ve got homeowners insurance, and now you’re proba...
PostNot sure how to read your homeowner’s insurance policy? It is important to know the answer to what does homeowners insurance cover based on the details in your policy, as it’s not uncommon for homeowners to choose policies based solely on something like price without understanding all the differences. So, let’s take a minute or...
Not sure how to read your homeowner’s insurance policy...
PostAre you required to have flood insurance? To many people, it may seem like one more bill they have to pay for no reason. Especially if you live in a higher level condo, you may wonder why. The good news for many condo owners is your master policy generally includes basic flood coverage. There are...
Are you required to have flood insurance? To many people, it...
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