eInsurance Journal: EInsurance Journal Home Insurance Articles

Homeowners Insurance Quotes – Know Your HOs

admin — Wed, 18 Aug 2010 00:00:00 GMT

Before you go looking for homeowners insurance quotes get to know your HOs. That’s insurance industry shorthand for Home Owner and there are dozens of di...

Do You Need a Personal Injury Endorsement on Your Homeowners’ Insurance Policy?

admin — Thu, 12 Aug 2010 00:00:00 GMT

Just when you thought you had it all covered, along comes a new risk exposure! This time, it could be something as seemingly innocuous as your teenage kid upstairs tweeting about a classmate. Believe it or not, you could be one nasty slanderous 144-cha...

What You Need to Know About Wildfires and Home Owners Insurance

admin — Fri, 06 Aug 2010 00:00:00 GMT

Although California’s dramatic and costly wildfires are the most likely to make the news, no state is immune from their devastating effects. Even tropical Hawaii has experienced wildfires on all of its islands. On average, the United States has a...

Basic Facts About Hurricane Insurance

admin — Fri, 30 Jul 2010 00:00:00 GMT

Hold onto your hat. Atlantic hurricane season is officially underway. From June through November, communities all along the Gulf and East Coasts of the U.S. are on alert for these severe storms. After a relatively mild 2009, experts at the National Oce...

Lower Your Flood Insurance Premiums. Challenge FEMA Remapping

admin — Mon, 19 Jul 2010 00:00:00 GMT

The Federal Emergency Management Agency (FEMA) has been busily embarked on a project to remap our nation’s flood zones. FEMA says the project was i...

Insure Your Home-Based Business with These Basic Policies

admin — Fri, 02 Jul 2010 00:00:00 GMT

First the bad news: U.S. unemployment is stuck at 9.7%, jobs in some sectors are never coming back and prospects are even dimmer for the big chunk unemployed over 50. Now the good news: the number of people who have started home-based businesses ...

Lower Your Homeowner’s Insurance Costs. Practice Fire Safety.

admin — Wed, 09 Jun 2010 00:00:00 GMT

According to statistics from the National Fire Protection Association (NFPA), in 2008, fire departments responded to nearly 1.5 million fire; 27% of them were residential, accounting for 83% of civilian deaths by fire. Those fires caused $15,478,...

Things You Need to Know When Filing a Big Claim on Your Homeowners Insurance Policy

admin — Thu, 13 May 2010 00:00:00 GMT

After the fire, tornado or runaway truck has wiped out your home (and you’ve thanked your lucky stars that you survived and paid your homeowners insurance premium), it’s time to think about putting your life back together. Chances are this ...

Here’s Your Earthquake Insurance Wake-Up Call

admin — Tue, 11 May 2010 00:00:00 GMT

On Easter Sunday 2010 at 3:40 p.m., Southern California went for a roller coaster ride that lasted approximately 45 seconds. Measuring 7.2 on the Richter scale, the quake was bigger than the devastating Haiti quake earlier this year. Remarkably, only thre...

Homeowners Insurance Policy Info: Tornado-Proof Your Home this Spring and Summer

admin — Thu, 06 May 2010 00:00:00 GMT

Although tornadoes can happen anytime, the most violent of these storms are seasonal. In the southern U.S. states, March through May is peak season; in the northern states, summer brings the big winds; and some areas see a secondary season in the fall. Mo...

Here Comes Spring. Got Flood Insurance?

admin — Tue, 23 Mar 2010 00:00:00 GMT

After winter’s record-breaking snow storms, most of the Midwest and parts of the East Coast are bracing for massive melts and widespread flooding. Most standard homeowner’s insuranc...

Which is Better Homeowners Insurance: All Risk or Named Peril?

admin — Tue, 09 Mar 2010 00:00:00 GMT

Sometimes things are open to interpretation, and reading the wrong meaning into something can cost you bunches. For example, if you have an all risk homeowner’s insurance

For Cheaper Homeowners Insurance, Make Sure Your Home Isn’t an Insurance Nightmare

admin — Fri, 26 Feb 2010 00:00:00 GMT

Here’s a wake-up call for you folks who’ve let those minor home repairs turn into major problems: your homeowners insurance policy can be canceled. Because of the uptick ...

Homeowners Insurance for Unmarried Couples and Other Non-Traditional Households

admin — Thu, 25 Feb 2010 00:00:00 GMT

Forty years ago, 70% of U.S. households were comprised of married couples and half of those households had kids under 18. Back then, insurance companies used a standard definition for “insured” when issuing a homeowners insurance policy? Dog lovers that we are, we’re sorry to say it’s true. A 2008 study revealed that dog bi...

How to Verify Property Value on a Homeowners Insurance Claim

admin — Thu, 11 Feb 2010 00:00:00 GMT

After the shock of robbery or disaster such as a fire wears off, you’ll be faced with figuring out what was stolen or destroyed so that you can file both a police report (in case of theft) and an insurance claim on your homeowners insurance – and we&r...

Avoiding Post-Disaster Homeowner Insurance Scams

admin — Thu, 21 Jan 2010 00:00:00 GMT

You were smart. You carefully shopped for homeowners insurance quotes and, after comparing quotes, you made your decision based on factors other than price alone. You insured your h...

Flood Insurance and the National Flood Insurance Program

admin — Thu, 21 Jan 2010 00:00:00 GMT

With what promises to be a winter of record-breaking snowfall we can look forward to a big thaw and the potential for major floods. Even if you don’t live in areas that get a lot of snow, heavy winter and spring rains can put you at risk. ...

Cut Costs with These Homeowner Insurance Discounts

admin — Tue, 19 Jan 2010 00:00:00 GMT

Strapped for cash? Here’s your resolution for 2010: stop throwing money away. Start by reviewing your homeowners insurance policy to see if you’re overlooking some big mo...

What Your Homeowners Insurance Doesn’t Cover

admin — Fri, 15 Jan 2010 00:00:00 GMT

To all the nasty surprises life can throw at you include learning after the fact that your homeowners insurance policy doesn’t cover something you just naturally assumed it did. Adding insult to injury is also finding out that an inexpensive r...

All About Vacant Property Insurance

admin — Fri, 08 Jan 2010 00:00:00 GMT

With so many homes staying unsold on the market for longer than normal, a growing number of homeowners find themselves needing vacant property insurance. Vacant homes are targets for malicious damage from vandals, attractive to thieves who ste...

Should You Carry High Deductible Home Owner Insurance?

admin — Wed, 30 Dec 2009 00:00:00 GMT

If you’re like most Americans, you’re doing some fancy footwork juggling bills and making ends meet. If there’s another penny to be squeezed, you’re the first guy asking for pliers. One way to save is to carry a higher deduct...

Making More Informed Choices for the New Year - Consider Your Auto, Home, Health and Life Insurance

admin — Mon, 21 Dec 2009 00:00:00 GMT

You have insurance, so you're all set if something were to go wrong, right? Well, maybe not. Just because you have insurance, does not mean that you have the kinds of coverage that you need or high enough limits to adequately protect you...

Winter Home Heating Savings

admin — Fri, 18 Dec 2009 00:00:00 GMT

Times are tight and cold winter weather can really eat into your monthly budget. Every little bit of savings counts and can be used toward your other essential expenses, including your homeowne...

Winter Home & Health Hazards: Mold. Lessen the Impact on Your Homeowners Insurance Quotes

admin — Wed, 16 Dec 2009 00:00:00 GMT

Winter brings lots of pleasant things. Mold is not one of them. In addition to being unattractive, mold growth can be hazardous to your health, destructive to your home and may even result in higher

Winter Home & Health Hazards: Carbon Monoxide. Reduce Your Homeowners Insurance with a Safer Home

admin — Mon, 14 Dec 2009 00:00:00 GMT

Protecting your loved ones is critical during the holidays. Carbon monoxide (CO) kills over 2,000 people every year in the U.S. and another 8,000 to 15,000 people are treated for non-fire-related CO poisoning annually, according US Consumer Product ...

Save on Homeowners Insurance: Avoid These Winter Safety Hazards

admin — Fri, 11 Dec 2009 00:00:00 GMT

When the temperature goes down, a lot of safety hazards go on, especially during the holidays. Damage from faulty electrical connections, chimney fires, heating systems and Christmas decorations are top offenders that can drive up your

Save on Your Homeowners Insurance with Holiday Theft Prevention

admin — Fri, 04 Dec 2009 00:00:00 GMT

Don’t let a Grinch steal your happy holidays. Keep your home and belongings safe. You’ll have a merrier season and, since you won’t have to file a claim, you may even save on your

Save on Homeowner Insurance. Protect Your Home from Winter Dangers.

admin — Wed, 02 Dec 2009 00:00:00 GMT

You can’t make snowmen, have snowball fights or go sledding, skating and skiing without snow. That’s the good part about living where there’s real winter weather. The bad part is shoveling snow, scraping ice and dealing with the da...

The Impact of Winter Weather on Home Insurance: Ways to Save Your House and Money.

admin — Mon, 30 Nov 2009 00:00:00 GMT

You may be cozy inside while winter storms rage, but when the weather outside is frightful just imagine what it’s doing to your home. Every year, U.S. snow storms and freezing weather rack up over a billion dollars in homeowner insurance cl...

For Homeowners Insurance Discounts Make Your Home More Secure

admin — Wed, 18 Nov 2009 00:00:00 GMT

A barking dog may deter a thief, but it won’t get you any homeowners insurance quote discounts (and a biting dog could get your policy canceled). A much better bet is to...

Want More Affordable Homeowners Insurance? Disaster-Proof Your Home.

admin — Wed, 18 Nov 2009 00:00:00 GMT

Yes, you have the homeowners coverage to reimburse you for damages and losses, but one of the best ways to maintain affordable homeowners insurance is to avoid making claims altogeth...

Need a Homeowners Insurance Quote? Get a CLUE first.

admin — Mon, 16 Nov 2009 00:00:00 GMT

In the market for a homeowners insurance quote? Here’s a little known fact you should know, especially if you’re considering purchasing an older home. Many insurance co...

Looking to Save Money on Insurance? Don’t Buy What You Don’t Need.

admin — Fri, 16 Oct 2009 00:00:00 GMT

There are plenty of insurance policies you DO need that are going to take a bite out of your budget. You can and should shop for cheap insurance quotes online to hold down costs, but you can als...

Put More Teeth in Your Homeowners Insurance with Extra Dog Bite Coverage

admin — Fri, 16 Oct 2009 00:00:00 GMT

Fido may be like a member of the family, but from an insurance standpoint, your pooch is a big hairy liability and a lawsuit waiting to happen. Do you have enough homeowners insurance to cover your assets if your dog decides to take a chunk out of a ho...

When and How to File a Homeowners Insurance Policy Claim

admin — Mon, 12 Oct 2009 00:00:00 GMT

First of all, unlike car insurance where filing even one claim can result in a premium hike at renewal time, the first claim against your homeowners’ insurance policy shouldn’t have any effect on your premiums (with the possible exception o...

Understand Your HOA Master Policy Before Looking for Condominium Insurance Quotes

admin — Fri, 09 Oct 2009 00:00:00 GMT

A September 2009 article in Real Estate Economy Watch claims the glut of condos on the market may be an end as lower prices, low interest rates, first-time buyer tax cre...

Renting Out Your Home? You Need a Landlords Insurance Policy.

admin — Wed, 09 Sep 2009 00:00:00 GMT

A recent Wall Street Journal article reported that America’s second largest home insurer saw a 27% increase in homeowners converting their property to a rental unit during the first quarter of this year. Many homeowners, unable to sell their homes in t...

Insuring Your Kid’s Dorm Room on Your Homeowners Policy

admin — Tue, 08 Sep 2009 00:00:00 GMT

What your kid will pack off to college bears no resemblance to what you took. Today’s college-bound teens are leaving home with a pricey inventory of electronic equipment and sports gear. Here are some tips and basic info to make sure those valuables a...

Building, Renovating or Repairing – Got Your Builders Risk Insurance?

admin — Thu, 27 Aug 2009 00:00:00 GMT

A lot of things can happen to your construction project. Fire, weather damage, theft, accidents. If you’re building a new structure or renovating or repairing an existing one, builders risk insurance provides coverage for you the property owner and you...

E-Insure.com Free Insurance Quotes Online - eInsurance Insurance Products

admin — Thu, 20 Aug 2009 00:00:00 GMT

When looking for insurance quotes separately for your vehicles, home, business, health and life insurance, you could go online. But you probably have better things to do than spend hour upon hour trying to evaluate and compare multiple quotes from comp...

Homeowners Liability Insurance Exclusions – What’s NOT in Your Policy?

admin — Wed, 12 Aug 2009 00:00:00 GMT

After it’s been stolen is bad time to find that your homeowners liability insurance doesn’t begin to cover replacing the expensive new laptop you just bought. The exclusions in your homeowners insurance...

Finding Affordable Florida Homeowners Insurance

admin — Tue, 11 Aug 2009 00:00:00 GMT

Hurricanes aren’t exclusive to Florida. The Gulf Coast and Eastern Seaboard states get their fair share. But, since we started keeping records in 1851, Florida has led the nation with 114 landfalls, or 40% of all 286 recorded U.S. hurricanes, including...

Homeowners Coverage – If You Operate A Business Out of Your Home, You’d Better Look At Your Policy to Make Sure You’re Covered

admin — Thu, 06 Aug 2009 00:00:00 GMT

When shopping for cheap homeowners insurance quotes online, make sure to take into consideration whether the policy suits your needs. Homeowners policies provide coverage for the structure of y...

Motorhome Insurance Facts

admin — Thu, 30 Jul 2009 00:00:00 GMT

Before you take to the open road in your home on wheels, make sure you’ve got sufficient motorhome insurance to protect your vehicle, its contents and any of the myriad geegaws, gadgets and accessories you’ve tacked onto that baby. Your home...

Flood Insurance – Do I Have It? Do I Need It?

admin — Tue, 28 Jul 2009 00:00:00 GMT

Did you know that in the event that your home or personal property is damaged by flood, you might not be covered? Homeowners insurance policies, condominium owners insurance policies and renters insurance policies generally exclude damage caused by flo...

Condominium Owners Insurance – Limitations On Amounts Of Coverage

admin — Wed, 22 Jul 2009 00:00:00 GMT

As with any insurance policy, be sure to read your condominium owners policy carefully. You might be surprised to learn that there are certain limits on specific types of personal property that is covered under your policy. For example, a policy could ...

Moving Your Business Into Your Home? What’s Covered By A Homeowners Insurance Policy?

admin — Tue, 21 Jul 2009 00:00:00 GMT

As previously discussed, you should consistently reevaluate whether you have the contents of your home insured for enough. In addition to reevaluating your own...

Homeowners Flood Insurance – An Umbrella of Protection

admin — Thu, 16 Jul 2009 00:00:00 GMT

Do you really need flood insurance? Well, here’s an amazing fact. Over the course of a 30-year mortgage, you’re home has a 9% chance of being damaged by fire and a 26% chance of being damaged by flood. Your normal home...

Do You Have Enough Homeowners Insurance

admin — Wed, 08 Jul 2009 00:00:00 GMT

California wild fires are raging more these days. That will probably mean mudslides, if rain ever falls on the drought-stricken state again. Meanwhile the Midwest can reel from devastating tornados. And the Gulf states and eastern seaboard are hur...

Puppy Love & Homeowner Liability - A Cautionary Tail

admin — Wed, 08 Jul 2009 00:00:00 GMT

I adopted a rescue bull terrier. I love him but he has “issues.” Like many terriers, he’s a nipper and when he nipped my boss’s wife during a dinner party at my home, my life (and career) flashed briefly before my eyes. For good reason.

Accord...

Do I Have The Contents Of My Home Insured For Enough?

admin — Wed, 17 Jun 2009 00:00:00 GMT

Make sure you consider the amount of personal property coverage as an integral part of your decision in purchasing Home Insurance or Condominium Owners Insurance. Obviously, you need to determine whether y...

Home Insurance Quotes Policies With Enough Personal Property Protection Coverage

admin — Wed, 17 Jun 2009 00:00:00 GMT

One important protection afforded by home insurance policies and condominium owners insurance policies is the coverage provided for your personal propert...

Homeowners Insurance – Ensure You Get Quotes For Policies With Enough Dwelling Protection Coverage

admin — Wed, 17 Jun 2009 00:00:00 GMT

One important protection afforded by homeowners insurance policies and condominium owners insurance policies is the coverage provided for your dwelling. Therefore, when shopping for insurance policy. Insurance companies cannot pay claims for which they received no premium, or ...

Insurance – Sample Cancellation Letter

admin — Tue, 02 Jun 2009 00:00:00 GMT

Did you know that you don’t have to wait until your insurance policy expires to search for a better insurance quote? In the event you find a cheap online insurance quote right now, you can ask your current insurer to cancel your policy a...

Insurance 101 – What Is It And Why Do I Need It?

admin — Tue, 02 Jun 2009 00:00:00 GMT

Generally, insurance is a contract in which an insurance company agrees to indemnify you against a specific, unexpected covered loss. The idea behind insurance is that if many people pay premiums, and only a certain percentage of those people suffer lo...

Buy The House. Keep the House - Mortgage Protection Insurance.

admin — Thu, 28 May 2009 00:00:00 GMT

First of all, don’t confuse mortgage protection insurance with private mortgage insurance (PMI). Protection Insurance makes sure your family can keep the roof over their heads if you die. PMI covers a portion of your loan if you default and pays the be...

Homeowners Insurance and Commercial General Liability Insurance – No License to Kill

admin — Thu, 21 May 2009 00:00:00 GMT

OK, we’re kidding. We don’t expect you’d harm even a fly! But, kidding aside, when considering purchasing homeowners insurance or commercial general liability insurance, it is important to know that insurance does not protect against damages that resul...

Homeowners, Condominium and Renters Insurance – The Big Litigation Expense Benefit

admin — Wed, 20 May 2009 00:00:00 GMT

Did you know that you are potentially responsible if someone is injured on your property? So, if you hire a plumber, a cleaning service, a repair person and that person is injured on your property, you are at risk. We know someone who was sued by the c...

The Basics Of An Insurance Policy

admin — Wed, 20 May 2009 00:00:00 GMT

There is more to an insurance policy than what it costs you. In order to accurately compare one policy with another, you need to know more than just what the premium is. You need to know what each of the policies covers in order to understand if the po...

Homeowners Condominium Owners and Renters Insurance – Protecting Your Valuables

admin — Tue, 19 May 2009 00:00:00 GMT

Great-Grandma’s heirloom china, the silver you received as a wedding gift, that beautiful watch you saved for and splurged on – when shopping for homeowners insurance quotes, condomini...

Lowering The Cost Of Homeowners Insurance

admin — Tue, 19 May 2009 00:00:00 GMT

When shopping around for homeowners insurance, condominium owners insurance and renters insurance, keep in mind that there may be ways to lower your premium. Just as how with automobil...

What To Consider When Buying Homeowners Insurance, Apartment Insurance or Condominium Insurance

admin — Wed, 13 May 2009 00:00:00 GMT

It’s easy to underestimate the contents of your home. What would it take to replace everything you own if you had to? The answer is: a lot more than you probably realize! Things like furniture, clothing, electronics, appliances … the lis...

How Do I Choose An Insurance Company?

admin — Fri, 16 Nov 2007 00:00:00 GMT

There are many insurance companies, so choosing between them can be a challenge. Here are the main points to keep in mind when selecting an insurance company: Licensing
Not every company is licensed to operate in each state....

What Type Of Insurance Do I Need For A Co-Op Or Condo?

admin — Wed, 19 Sep 2007 00:00:00 GMT

If you need a quote on homeowners insurance, please click here __________________________________________________________________________________________ Sou...

Is There A Difference Between Insurance Cancellation And Nonrenewal?

admin — Thu, 06 Sep 2007 00:00:00 GMT

Source: Insurance Information Institute, Inc. www.iii.org - ALL RIGHTS RESERVED There is a big difference between an insurance company canceling a policy and choosing not to renew it. Insurance c...

What Is In A Standard Homeowners Insurance Policy?

admin — Wed, 29 Aug 2007 00:00:00 GMT

Source: Insurance Information Institute, Inc. www.iii.org - ALL RIGHTS RESERVED
A standard homeowners insurance policy includes four essential types of coverage. They include: 1. Coverage ...

Catastrophe Insurance And The Homeowner

admin — Thu, 09 Aug 2007 00:00:00 GMT

The general nature of catastrophe insurance is to provide coverage to those people and businesses that are located in geographic locations prone to hurricanes, earthquakes, floods, tornados and other types of unpredictable calamities that can instantly...

How Does Honesty Apply To Insurance?

admin — Thu, 12 Oct 2006 00:00:00 GMT

This is a subject that has been debated over the years many times. In essence, honesty is one of the bedrocks of the insurance product. Without an honest insured, it is very difficult for an insurance comp...

Filing Liability Claims: A Reality Check

admin — Tue, 14 Jun 2005 00:00:00 GMT

Over the past several weeks, I've received a number of inquiries that follow this general form:
I'm unhappy with my [pick a service provider] because he [describe an act of negligence]. I think he owes me money. How do I file a cl...

Cut Your Risk For Filing Bankruptcy

admin — Fri, 20 May 2005 00:00:00 GMT

On April 20, 2005, President Bush signed legislation into law making it more difficult for individuals to file bankruptcy under Chapter 7. Though the new legislation has found support from credit card companies and other lenders, when this new law take...

Workers Comp for Construction Subcontractors

admin — Wed, 16 Feb 2005 00:00:00 GMT

Here's another interesting question from my inbox:
I work in Tennessee as a subcontractor for vinyl siding and windows. Do I have to carry workers compensation insuran...

Read The Fine Print: A Case Study In Getting The Insurance That You Paid For

admin — Tue, 04 Nov 2003 00:00:00 GMT

Medicare supplement coverage—often called Medigap—has often bewildered elderly patients and their caregivers. Should one choose to join an HMO or a PPO? Should one purchase from the large menu of standardized policies? Once the final decision is made...

Aliens Among Us: The Uninsurables

admin — Tue, 12 Aug 2003 00:00:00 GMT

David Oxley is Managing Director of Coppergate International's Houston-based U.S. practice. Coppergate provides specialist advice to over 2,000 clients in Europe an...

Insurance 101: What Is It, And Why Should I Care?

admin — Wed, 23 Jul 2003 00:00:00 GMT

From crossing the street, to buying a new home, to traveling on an airplane, we all face risks daily. We've found ways of avoiding or minimizing certain risks, but it isn't possible to avoid them all. Some risks are trivial, like feeding and burping ...

Insurance Considerations For Domestic Partners

admin — Tue, 15 Jul 2003 00:00:00 GMT

Domestic partners are couples who form a union, who desire to share an exclusive life together, and are of the same sex. A recent Supreme Court ruling overturned a Texas state ruling that prevented domestic partners from being recognized as "le...