Homeowners Insurance

Homeowners Insurance Articles

Dog Bite Liability Insurance for Homeowners

No pet owner wants to believe that his or her furry loved one could possibly cause harm to another. Unfortunately, it does happen frequently. In fact, the Centers for Disease Control and Prevention reports that four and a half million people are injured by dog bites every year, with 885,000 being severe enough to require medical attention. Many people wind up footing the bills for the injured party's medical bills while others are able to file the claim on their insurance. So, how do you find out if your homeowner's insurance would cover your dog biting someone?

Selecting the Best Insurance Policy Deductible

If you have been considering increasing the deductible on your policy, you may want to reconsider. Even though a higher deductible will result in a lower premium, there are long-term consequences to think about. Unfortunately, for many policyholders, the deductible is just one of many numbers on their policy that they don't understand. Before you make any changes to your policy, do your research and make sure that you're making the best decision for your personal financial situation.

Insurance for Fine Artwork

There's no need to be concerned that you won't be able to get insurance on your favorite work of art. In fact, if you already have a homeowner or renter's policy, the process is fairly simple. A standard home, renters, or condo insurance policy should automatically include some coverage for artwork. However, the limit isn't very high, so it may be necessary to add coverage if your needs exceed what has already been provided.

Mobile Home Insurance Guide and Coverage Options

Many people are under the impression that home insurance covers any type of home. It isn't until they go to purchase a policy for their mobile home that they find out they aren't eligible for a standard homeowner's policy. Luckily, there is a specialized policy that covers all of the features and needs unique to mobile and manufactured homes. These policies even offer certain coverages designed just for mobile homes that aren't available to other types of property owners.

Shopping for a House?  These Features Can Make Home Insurance More Expensive

When shopping for a new home, you might not consider the ways that some of the factors that most attract you to a particular home are also the ones that can drive your homeowners' insurance premiums up. After all, most people aren't thinking about how much insurance is going to cost when they make an offer on a home. If you're the type of person who wants a pool or wants a classical but older home, there may be little you can do to avoid these higher premiums, but knowing about all of the other potential reasons for higher premiums could make some homes a little less attractive. It can also make you think twice about making any home improvements that could increase premiums.

Homeowners Insurance for an Older Home

Many people love the quaint architectural details that come with older homes. Stained glass windows, wide hardwood floor boards, and other period touches lend a certain something that you just can't find in modern homes. Unfortunately, it's these same details that can make it incredibly difficult to find an insurance policy. In fact, some insurance companies refuse to offer policies for homes that are older than 100 years. If you're thinking about purchasing an older home, educate yourself about the insurance process.

Buying Insurance from Independent Insurance Brokers vs Direct Writers

No matter what type of insurance you need, navigating the available choices can seem like a big hassle. Perhaps the first decision you'll need to make is whether to use an independent insurance broker or a direct writer. What's the difference? Simply put, independent brokers and agents will work for you and connect you to insurance products from a wide range of companies. Direct writers work for one company, usually one of the "big name" companies like Geico, and only have access to that company's products. Some large companies like Liberty Mutual and Allstate make use of both independent agents and direct writers, but many employ only direct writers. In some cases, using a direct writer is the only way to purchase a policy from a particular company.

Buying Insurance at Costco, Sam's Club and BJ's Wholesale Clubs

Insurance provides peace of mind by knowing that when a disaster or illness strikes - you're covered. Peace of mind can be expensive though, especially if you live on a fixed or low income or have dependents to cover. Fortunately, with the help of mass retailers, there's a cheaper way to buy insurance plans from trusted providers.

Home Insurance for a Townhouse

Whether 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.

How to Find an Insurance Lawyer

When you are facing an issue with your insurance company, it can be quite a difficult task engaging them in legal battles on your own. Whether it is a case involving your car insurance, health insurance, workers compensation or other type of insurance, you are better of hiring an insurance lawyer. The following are some tips on finding an insurance attorney.


Cheap Homeowners Insurance and Home Insurance Quotes!

When you buy a new home, you want to ensure that you protect it with the right insurance coverage. Cheap home insurance isn't something that needs to be difficult to find. Utilizing the US Insurance Agents quote form to find home insurance quotes can help you compare a variety of insurance companies at once.

Whether you want to go directly through a large agency or local agent, we can help match you with an insurance professional in your area that can provide you with homeowners insurance quotes and answer any questions you may have. Instad of having to struggle going from site to site, agency to agency or digging out the phone boook, you can get everything you need when shopping for insurance for your house or property right here at US Insurance Agents.

At US Insurance Agents, we not only help you find cheap homeowners insurance, we also help you get the knowledge you need to make an informed decision. Use our articles below to help you learn about what type of coverage you should purchase and how to get the cheapest home insurance quotes.