Homeowners Insurance

Homeowners Insurance Articles

Founded in 1968 by James David Power, JD Power and Associates is a consumer ratings company which provides product, service, and overall company ratings in fields ranging from automobiles to travel. Rather than performing independent surveys, JD Power and Associates accumulate consumer reviews and ratings, organized into facets describing the rating. For example, the JD Power and Associates page for insurance company ratings provides 4 categories or ratings, plus a fifth category for the overall score.
Standard and Poor's (S&P) Insurance Company Ratings Explained
Standard & Poor's Company provides ratings for insurance companies to help you choose the best company for your needs and avoid potential losses if the company you purchase a policy from should become insolvent. Standard and Poor's ratings cannot prevent bad things from happening as a result of your insurance choices, but they can at least give you some insight to help make a better, more informed decision. To insure their ratings are accurate and trustworthy, the Standard and Poor's ratings are designated by a team of financial analysts who look at a range of credit criteria before issuing a rating.
AM Best Ratings Explained
The A.M. Best Company is one of the leading insurance and financial company ratings firms. The company uses a standard grading scale to provide consumers with information about the stability and long term financial outlook of financial companies. At a glance, someone who is comparing prices of different insurance companies can know whether they are dealing with a company that is in dire straits, is making a comeback from a financial blow, or is riding on top of the heap. Here is the grading scale used by A.M. Best Company, and what the grades mean to you.
Improving Your Credit Score Can Lower Insurance Costs
Your credit score plays an important part in determining what your rates will be for insurance policies. In many ways, insurance is like a line of credit, and your credit score is the indicator used to show how well you manage the different lines. By repairing your credit score, you open up possibilities for savings in all types of insurance, not to mention improving your ability to qualify for loans or other lines of credit.
Don't Rely on Your Homeowner's Insurance Policy to Cover Cash Kept at Home
Even 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.
Does Your Insurance Agent Have Your Best Interests in Mind?
If you are serious about your insurance needs, you should probably speak with an agent directly over the phone rather than by just looking at your computer screen. But it is important to have an agent who cares about your needs and has the knowledge and resources to get you the policies you should have at a price you can afford. Here are a few tips to help you know whether your agent is on your side, or whether it is time to shop around for another solution.
Wildfire Insurance for Homeowners
In most policies, wildfires are consider one of many forms of fire damage, but that is not always the case, and it is up to the homeowner to make sure that their home is adequately protected by their insurance policy. In locations where wildfires are common, such as parts of California, Texas, and Florida, to name only a few, wildfires may be specifically excluded from the standard coverage, in which case an insurance rider or even a special policy may be necessary.
Switching Insurance Companies When You Have an Open Claim
You have the right to switch insurance companies any time you want. Even if you have an open claim with another insurance company, you can elect to switch your coverage. Keep in mind that your current claim will not transfer to the new insurance company, though, and your old insurer will still be the one that handles the claim until it is either settled or completely denied coverage.
Homeowners Insurance and a New Dog
Before you get a new dog, consider how it will impact your homeowners insurance quotes. Some breeds are such high risks that insurance companies may not even consider you for coverage, and all dogs are potential hazards that will affect your premiums. You are welcome to own any dog you choose, but consider the insurance implications and costs as part of that ownership.
6 Large Insurance Claims
If the risks are manageable, insurance companies will write coverage for almost anything. Sometimes, even when the risks have carefully weighed, a claim is made that hits the record books. Here is a short list of the 6 most expensive insurance claims ever filed, which will certainly make any claims you've filed yourself pale by comparison.

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Cheap Homeowners Insurance and Home Insurance Quotes!

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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.