Insurance is designed to protect you against financial loss if you experience a covered event. There are a plethora of different kinds of insurance that cover everything from your life to your property. Homeowners insurance is a hybrid type of policy that covers you against the ...
An in-ground swimming pool can be a summer recreation center. But a pool can also be dangerous and expose the pool owner to lawsuits if someone injures himself or drowns while using the pool. A ...Read More
Homeowners insurance doesn't normally cover flood damage, so the federal National Flood Insurance Program was established to provide protection for homeowners in certain areas. The government ...Read More
Homeowner's insurance is an absolute must for anyone who has a mortgage or owns their home outright. Homeowners insurance rates account for both your degree of risk as well as the combined value of ...Read More
An empty nest is only part of your concern when sending your student off to college. With the expensive electronics students need at school, you’ll want to make certain that insurance will cover a ...Read More
Once you make your final mortgage payment, you’re free from all the requirements your lender placed on you as condition of approving your loan, including the requirement that you buy flood insurance ...Read More
When you file an insurance claim after a theft, it's always a good idea to include sales taxes when listing the value of the stolen items. Many if not most insurance policies cover sales taxes, but ...Read More
Unless you buy a home for cash, you'll have a mortgage lender who will mandate hazard insurance coverage equal to their financial interest. Your mortgage amount equals the lender's financial ...Read More
Frequently used in property damage insurance, a buyback deductible is a provision that lets you pay a lower deductible when you have a claim that exceeds your original deductible. Sometimes offered ...Read More
Even though you purchase homeowners insurance to compensate you for property or liability losses, you might not always want to file a claim; that depends on the nature of the damages or loss. In ...Read More
When you buy a home with a mortgage, your lender has a security interest in the house. Lenders must protect the value of your home just as you would. When your home is damaged by a covered loss, your ...Read More
Your insurer didn't pick the cost of your homeowners insurance premium out of a hat. The cost of your policy is based on things such as the value of your house and how vulnerable it is to fire. The ...Read More
If your homeowner insurance company ups your premium, or you are not happy with the service you are receiving from the company, it may be time for a change. You can make a change even if your policy ...Read More
Insurance companies sometimes have to pay their customers for damages caused by other people. The insurance company will then try to subrogate, or recover the amount of money it paid on the claim, ...Read More
Purchasing homeowners insurance is part of owning a home. Even it it's not required by a lender because you own the home full and clear, your home is one of the most valuable investments you have and ...Read More