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PostThe two ways that an insurance policy can be written for payouts is for actual cash value and replacement cost. Actual cash value pays out a depreciated amount that takes the age and condition of the insured item into account, while full replacement cost will pay to repair or replace the item no matter what condition or age it is.
The two ways that an insurance policy can be written for pay...
PostSevere weather, including lightning, high winds and strong rains are common throughout the country. Most standard home insurance policies this type of storm, but there are exceptions, and it is the responsibility of the homeowner to make sure that their policy covers all of the perils which might be faced by their home.
Severe weather, including lightning, high winds and strong r...
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PostTropical storms are common in the southeast, and have been known to strike as far north as Maine and inland as far as Illinois. In most places, the storm is limited to the status of any other severe storm, and a standard home insurance policy will cover most damages, but the occasional strong tropical storm has the potential to bring severe flooding with it, and that is an area where the average homeowners policy will leave you without any recourse.
Tropical storms are common in the southeast, and have been k...
PostEven though a home insurance policy includes personal property, do not rely on your home insurance to replace cash that was stolen in a robbery or burglary. It is not so much a question of having the coverage; it is a question of being able to proof the possession of the cash before it was stolen.
Even though a home insurance policy includes personal proper...
PostSince the incident on 9/11, terrorism and civil unrest have become important considerations for homeowners, especially in dense population centers. And since most home insurance policies do not include riots, terrorism or civil disorder by default, it is up to each homeowner to determine if they need such coverage and to purchase it separately.
Since the incident on 9/11, terrorism and civil unrest have ...
PostWhether you want to call it a town house, town home, row house, brownstone or other name, the insurance it requires is just as much as any other living space would. Those who make the choice to live in a townhouse have basically compromised between apartment living and living in a house. It is a cozy living for many and a great way to not have to select one or the other permanently. It is basically a compromise that works out well, particularly for small families or single individuals.
Whether you want to call it a town house, town home, row hou...
PostContents insurance is the type of coverage necessary to protect your personal property against many types of damage as well as theft and vandalism. This type is more commonly referred to as personal property insurance in the United States, while it is known as contents insurance in other English speaking countries. Most standard homeowner's policies include coverage for the contents of the home, but the limits tend to be only a small percentage of the policy value.
Contents insurance is the type of coverage necessary to prot...
PostIf you live in many parts of rural or suburban America, you may never have heard of cooperative housing, sometimes also known as a co-op apartment. While this type of housing arrangement is becoming increasingly popular lately, co-ops have been around for the last several decades in areas like Washington, D.C. and New York City. In cities with a high cost of living such as these, co-ops have been helping people purchase homes where they might not otherwise be able to afford one.
If you live in many parts of rural or suburban America, you ...
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