"Homeowners Insurance" Blogs

Actual Cash Value vs. Replacement Cost When Filing A Homeowners Insurance Claim

At times homeowners may not understand some terms such as “actual cash value” or “replacement cost” and how it can affect their homeowners insurance claim. Many people think that the limits included in their Insurance Declaration Page (DEC) are the best indicator of how much they may get paid in a homeowners claim, but that’s […]

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When You Should and Shouldn’t File a Homeowners Insurance Claim

Just like in any other type of insurance, you need to be cognizant of when you should or shouldn’t file a homeowners insurance claim and take into account how doing so may affect your premium and wallet. You should not assume your homeowners insurance will cover this or that. Just because you pay your premium […]

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Why You Should Do A Home Inventory

As insignificant as it might sound, a home inventory is one of the best things you will ever do for your house. How will you know what the value of the stuff in your house is worth if you don’t have an inventory list? Your house may face some type of calamity at some point, […]

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Holiday Fire Risk: A Homeowners Insurance Alert

While you’re making your list and checking it twice, make sure to add fire prevention to your list of priorities. With all the Christmas trees, candles, lights and cooking, fire risk goes up during winter and around the holidays. Take some extra precautions to keep your family safe this year. Below are some tips from […]

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Robbery Coverage: Does Homeowners Insurance Include It?

You come home to find a broken window and all of your most valuable belongings gone. Now what? First, you should call the police to make a report. Then you should call your insurance company to file a claim. Each year, burglary, robbery and theft result in billions of dollars in monetary losses. Although the […]

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Turkey Day Terrors: How to Avoid Homeowners Insurance Claims on Thanksgiving

Thanksgiving is a time to be thankful. It’s also a time when homeowners insurance claims can spike. If you can avoid these disasters this Thanksgiving, you’ll have one more thing to be thankful for. Turkey Day Terror Number One: Fire It’s not Thanksgiving without a feast, but all that cooking can increase the risk of […]

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Homeowners Insurance & Weather-Related Losses: Coverage Knowhow

Lightning strikes. The wind blows. Hail the size of golf balls pummels your roof. This storm is doing a number on your house. If you find yourself in this situation, you might be wondering if the damage will be covered by your homeowners insurance policy. The good news is that many types of weather damage […]

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Buying Homeowners Insurance: How to Compare Policy Options

To protect your house, you need homeowners insurance. More than that, you need the right homeowners insurance. When comparing homeowners insurance policy quotes, there’s a lot more to consider than just the premium amount. Otherwise, if you ever need to file a claim, you might realize your coverage isn’t as good as you though it […]

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Going Green? Revisit Your Homeowners Insurance

Living a more sustainable life has become a priority for many people in the United States and a trend in the home and construction industry.  It goes beyond cutting out plastic use or using public transport. Currently, 85 percent of people living in our country say that living in a sustainable or eco-friendly home is […]

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Will Homeowners Insurance Cover Dog Bites? The Low-Down on Liability

Could your dog bite someone? If your first thought was no, think again. All dogs are capable of biting under the right – or wrong – circumstances. According to the CDC, approximately 4.7 million dog bites occurred in a single year, and 800,000 of these bites required medical attention. If your dog bites someone, you […]

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What Does Homeowners Insurance Cover? 11 Things that Might Be Important to You

There’s not just one good reason to buy homeowners insurance. There are at least 11 reasons. A typical homeowners insurance policy will provide coverage for a range of risks. Here are some of the coverages that you might care about. Fire: There were approximately 371,500 residential fires in 2017. More than half of these were […]

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Is Homeowners Insurance Mandatory? Situations Requiring Coverage

Homeowners insurance is certainly a good idea – but is it mandatory? If you’re struggling to make payments, you might be wondering if you can skip this cost. However, this probably isn’t a good idea. Going without homeowners insurance could put you, your finances, and your house in considerable risk. In some cases, it could […]

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