Homeowners Insurance

Homeowners Insurance Articles

Homeowners Insurance Myths Debunked
Home insurance is an important part of owning a home. Most lenders will require you to have mortgage insurance, but that only covers the lender if your home is destroyed, it will not replace or repair your home. There are a number of popular myths associated with home insurance that confuse people about the coverage they do or do not need, and being misinformed can be a dangerous thing when your family's home is at stake.
Filing a Homeowners Insurance Claim
If you have to make a claim against your home insurance, it will be in your best interest to be prepared. The actual filing process involves little more than a phone call, but you will have a better chance of settling the claim successfully if you keep some simple insurance information in mind when doing so.
How to Take a Home Inventory - An Easy to Follow Checklist
Your home inventory is your best chance to regain losses of your personal property if something happens to your home. But in order for the home inventory to benefit you, it must be kept up to date and include everything you want to protect. When you complete the home inventory, make a copy and send it to the insurance company, but retain the other company for your own use.
Replacement Cost Coverage Home Insurance
The 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.
Home Insurance-to-Value Ratio Explained
The insurance to cost ratio needs to be evaluated every time your make changes to the home or purchase a new piece of equipment. The insurance company has no way of keeping your coverage complete without you letting them know when more or less coverage is required. For instance, if you add a room on your home, the insurance policy needs to be updated to reflect the new value. If it is not updated and your house burns down, you may lose the entire value of the addition with no way to recoup the loss.
Actual Cash Value Home Insurance
Home insurance claims may be paid in one of two ways, actual cash value or full replacement cost. Of the two, actual cash value has the lowest premiums, but full replacement cost provides a more accurate settlement. To give you an idea of why actual cash value insurance costs less, it might help to explain what this type of insurance settlement means and why it is set up the way it is.
A Standard Homeowners Insurance Policy isn't Always Enough
A standard home insurance policy only covers your home for the perils named in the policy, and often falls short of providing you with all of the coverage your home needs. To make up the difference, you will need to add some additional coverage, called riders, that expand the policy beyond the dangers listed in the standard policy.
22 Tips for Cheap Home Insurance and Cheap Homeowners Insurance Quotes

Getting the best quotes on home insurance is not as difficult as you might think. With a little forethought and planning you can get a great deal. Here are some simple tips you can use to help you get the most coverage at the lowest price from any company you choose.

Renewing Your Homeowners Insurance without Comparing Quotes can Cost You
Before you renew your current home insurance policy, it might be worth knowing that comparing quotes before you do could save you money on your premiums. Insurance rates change over time, fluctuating up and down to meet market demands and to modify the costs according to the latest statistics. If the rates have gone down since the last time you purchased a homeowners insurance policy, you might save money by going with a new company.
Sensitive Insurance Wording
We all have words or phrases that set us off or cause discomfort. Your insurance company is no different when it comes to word or phrase sensitivities. There are some words that are so important to insurance companies that an incorrect usage of the word could result in non-payment on a claim or other confusion. It always helps to know the sensitive words, so you can approach any conversations with your insurance provider the right way.

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Cheap Homeowners Insurance and Home Insurance Quotes!

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