EINSURANCE.(com): EInsurance Journal Home Insurance Articles

Little Known Homeowners Insurance Risks: Law & Ordinance Coverage

EINSURANCE Home Insurance — Thu, 26 Jan 2012 00:00:00 GMT

You’re a smart homeowner. You’ve always carried enough homeowners insurance. You’ve reviewed your policy regularly and added coverage when you made improvements. You even have supplement flood and earthquake policies, just in case. So...

Auto Insurance Basics for Your Home-Based Business

EINSURANCE Home Insurance — Tue, 24 Jan 2012 00:00:00 GMT

The Bureau of Labor Statistics reports that resignations rose steadily in 2011, with nearly 2 million American workers giving notice last September – the highest number since November 2008. Since we doubt that all those folks won the lottery, it&...

Jewelry Insurance Basics

EINSURANCE Home Insurance — Fri, 20 Jan 2012 00:00:00 GMT

Precious metal prices continue to rise. If you’re not invested in bullion, you may not think that concerns you much. But if you own gold or platinum jewelry it should. In 2007, gold was $600 an ounce; today it’s
hovering around $1,650,...

Test Your Homeowners Insurance Knowledge

EINSURANCE Home Insurance — Fri, 13 Jan 2012 00:00:00 GMT

Think you know your stuff when it comes to homeowners insurance? See if you can answer these five questions. Knowing the facts can help you avoid costly errors and make better decisions when you’re looking for homeowners insurance quotes ...

Mold Can Mess Up Your Homeowner’s Insurance

EINSURANCE Home Insurance — Fri, 06 Jan 2012 00:00:00 GMT

Black grout can be a fashion statement, but if your bathroom tile is starting to look like an out-of-control science experiment, it’s time to face facts. You have a mold issue and you need to deal with it ASAP. Mold is a fungus and its microscopi...

Homeowners Insurance and Tree Damage

EINSURANCE Home Insurance — Wed, 04 Jan 2012 00:00:00 GMT

Even the most basic homeowner’s insurance policy covers wind damage to your home, but what about the damage caused by a tree blown over by that wind? What if the offending tree that bashed a hole in your roof belonged to the next-door neighbor? W...

What Happens When You Lie on an Insurance Application

EINSURANCE Home Insurance — Wed, 21 Dec 2011 00:00:00 GMT

Honesty is the best policy. Cheaters never prosper. It’s a sin to tell a lie. You’ve heard all the clichés but sometimes it takes knowing how easily you can be found out and the consequences of fibbing to hammer home the point. So, t...

Holiday Mall Shopping Safety Tips

EINSURANCE Home Insurance — Mon, 19 Dec 2011 00:00:00 GMT

With just a few days left till Christmas, the race is on to get the shopping done and millions of procrastinators will be packing the malls. While you see a winter wonderland, there’s plenty of danger, too. It comes in the form of thieves, pickpo...

Auto Break-Ins Spike Over Holidays

EINSURANCE Home Insurance — Thu, 15 Dec 2011 00:00:00 GMT

Just a few shopping days left before Christmas. Don’t let your car become a shopping mall for crooks. Every year, over $1.25 billion in personal property is stolen from America’s vehicles, according to the National Insurance Crime Bureau. M...

What You Should Know About Insurance Credit Scores

EINSURANCE Home Insurance — Wed, 07 Dec 2011 00:00:00 GMT

Information is power. In today’s world, knowing who knows what about you is your best bet at leveling the playing field. Here’s what you need to know about insurance credit scoring and whether a less than stellar
score is why you&rsquo...

Deck Your Halls Safely

EINSURANCE Home Insurance — Mon, 05 Dec 2011 00:00:00 GMT

Tis the season for millions of Americans to head up on the rooftop to hang the holiday decor. The Consumer Product Safety Commission reports that 12,500 people are treated in emergency rooms each year for fall, cuts and shock related to Chris...

Don’t Let Holiday Identity Theft Ruin Your Insurance Score

EINSURANCE Home Insurance — Mon, 28 Nov 2011 00:00:00 GMT

You know you have a credit score, but did you know you have an insurance score, too? Or that bad credit can affect what you’re charged for various insurance products including car insurance, homeowners insurance and even health insurance? During ...

Home Security Tips for Holiday Travelers

EINSURANCE Home Insurance — Mon, 21 Nov 2011 00:00:00 GMT

Three in 10 Americans will be traveling during the 2011 holiday season from Thanksgiving through New Year’s, according to the American Express Spending and Saving Tracker. Many will be taking an average of two trips. Happy holidays, enjoy your de...

What You Don’t Know About Flood Insurance Can Soak You

EINSURANCE Home Insurance — Wed, 21 Sep 2011 00:00:00 GMT

As many recent flood victims are now finding out, learning what flood insurance doesn’t cover can be an unpleasant revelation. Since ignorance is rarely bliss when it comes to insurance, here are some things you
need to know about the Nation...

Post-Hurricane Irene Homeowner Insurance Update

EINSURANCE Home Insurance — Tue, 30 Aug 2011 00:00:00 GMT

Round-the-clock media coverage for Hurricane Irene focused on the potential destruction the winds would cause from Florida to the Canadian border. Extraordinary intervention by state and federal governments kept loss of life to a minimum. But nothing c...

An Ounce of Cheap Earthquake Insurance Prevention

EINSURANCE Home Insurance — Fri, 26 Aug 2011 00:00:00 GMT

As people in Colorado and along the East Coast learned this month, earthquakes aren’t just for California anymore. Actually, they never were. According to the US Geological Survey, earthquakes happen
everywhere and all the time, but most jus...

Homeowners Insurance Tips: Prevent Fireworks Home Fires

EINSURANCE Home Insurance — Fri, 24 Jun 2011 00:00:00 GMT

Fireworks sales to consumers have risen dramatically in the past 25 years. Consumption per million pounds has increased nearly 920%, according to the National Fire Protection Association. Of the 213.2 million
pounds of fireworks sold in the U.S. i...

Organize Your Insurance Policies and Your Life with Online File Storage

EINSURANCE Home Insurance — Mon, 20 Jun 2011 00:00:00 GMT

Spring was a little late in coming to many parts of the country this year. When it did show up, it often wreaked havoc. So if you haven’t done your spring cleaning yet, you get a pass and a second chance to
get organized. Start...

Store and Access Insurance Policies in an Online Safe Deposit Box

EINSURANCE Home Insurance — Wed, 15 Jun 2011 00:00:00 GMT

Good for you! You applied for competitive health insurance quotes and car insurance quotes at www.einsurance.com. You secured a health insurance policy and auto insurance policy that fit your needs and budg...

Security Systems Qualify for Homeowners Insurance Discounts

EINSURANCE Home Insurance — Fri, 20 May 2011 00:00:00 GMT

Home invasions are on the rise according to FBI, which compiles its data from crime statistics supplied by police departments across the country. The most likely reasons for the uptick? A bad economy, coupled with the fact that homes are easier ta...

Does Homeowners Insurance Cover Tornado Damage?

EINSURANCE Home Insurance — Wed, 27 Apr 2011 00:00:00 GMT

It’s only April, and this year’s tornado season is on track be the most costly ever for damages and homeowner insurance claims. As of April 18, 2011, 617 tornados had been recorded by the National Weather Service, compared to 203 during Apr...

How To Avoid Common Homeowners Insurance Claims

EINSURANCE Home Insurance — Tue, 19 Apr 2011 00:00:00 GMT

After a winter of record snowfalls in many parts of the country, we’re now seeing a flurry of spring blizzards and thunder storms. When the spring melt comes, many experts are predicting unprecedented flooding. Severe weather and its afterm...

All About Sinkhole Insurance for Homeowners

EINSURANCE Home Insurance — Fri, 01 Apr 2011 00:00:00 GMT

Attention, homeowners! As if you didn’t have enough to worry about what with hurricanes, floods, earthquakes, firestorms and mudslides, you can add sinkholes to your concerns. Florida is infamous for them, but sinkholes can and do happe...

What Is Force-Placed Homeowners’ Insurance?

EINSURANCE Home Insurance — Tue, 29 Mar 2011 00:00:00 GMT

As homeowners continue to struggle with high unemployment and upside down mortgages, many seeking to save money have let their homeowners insurance lapse. If you’re toying with this idea, we urge you to consider other cost-cutting strategies like...

Homeowners Insurance Tips: Prevent Flood Damage

EINSURANCE Home Insurance — Fri, 18 Mar 2011 00:00:00 GMT

Heavy winter precipitation, melting snow packs and major spring storm systems could mean widespread flooding across the northern and Midwestern US this spring. Parts of the Ohio River Valley and New Jersey have already experienced flooding, but the Nat...

Do Homeowners Insurance Policies Cover Nuclear Accidents?

EINSURANCE Home Insurance — Thu, 17 Mar 2011 00:00:00 GMT

The recent Japanese earthquake and ensuing tsunami may have had you checking your homeowners insurance policy to see if you’d be covered for those kinds of disasters. The answer in both cases is probably not. Standard homeowners insurance and ren...

How to File a Complaint About an Insurance Company

EINSURANCE Home Insurance — Tue, 01 Mar 2011 00:00:00 GMT

In a perfect world, all insurance claims would be handled promptly and to your complete satisfaction. Then again, in a perfect world, you wouldn’t need insurance. Alas, perfection continues to elude us and our insurance carriers. The National Ass...

Are Insurance Benefits Taxable?

EINSURANCE Home Insurance — Mon, 14 Feb 2011 00:00:00 GMT

Tick. Tick. Tick. April 15 is coming. About 1% of the population is audited every year, but in an effort to bolster revenues, the IRS is reportedly ramping up their scrutiny. One of the red flags is unreported income. Is the inheritance you got from yo...

Are Insurance Settlements Taxable Income?

EINSURANCE Home Insurance — Mon, 14 Feb 2011 00:00:00 GMT

Uncle Sam wants you to declare every single penny of taxable income. Failure to do so may result in an audit (which makes root canal without anesthesiology seem like a picnic) and hefty fines. But what exactly is taxable income? The courts have defined...

How to Maximize Your Insurance Tax Deductions for 2010

EINSURANCE Home Insurance — Mon, 24 Jan 2011 00:00:00 GMT

The tax man cometh and he’s headed for your wallet. Itemize your tax return and take full advantage of all legitimate income tax deductions that you’re entitled to in 2010, including insurance deductions. Deductions help lower your gross ta...

California Super Storms and Homeowners and Flood Insurance

EINSURANCE Home Insurance — Wed, 19 Jan 2011 00:00:00 GMT

To paraphrase the famous line from the movie Jaws, you’re going to need a bigger homeowner’s insurance policy. Way bigger if the scientists who are predicting a California Super Storm are correct. And, since water damage caused by ...

Firearm Insurance for Gun Owners

EINSURANCE Home Insurance — Mon, 17 Jan 2011 00:00:00 GMT

In 2009, the FBI’s National Instant Criminal Background Check System (NICS) reported that there were 14,033,824 guns purchased in the U.S. That was a 10% increase from the previous year, and the actual number of guns could be even higher, since t...

Maybe You DO Need Hurricane Insurance

EINSURANCE Home Insurance — Fri, 14 Jan 2011 00:00:00 GMT

If you live along the Gulf Coast, the Eastern Seaboard or almost anywhere in Florida, you pretty much expect that you’ll need to supplement your standard homeowners insurance policy with hurricane and/or flood insurance coverage. While damage fro...

Musical Instrument Insurance Floaters

EINSURANCE Home Insurance — Mon, 03 Jan 2011 00:00:00 GMT

Maybe you didn’t get 11 pipers piping or 10 drummers drumming but if your true love brought you a new musical instrument of any sort for the holidays, make musical instrument insurance a top priority in the new year. Then, if a lord happens to le...

Homeowners Insurance and the Mysterious Disappearance Clause

EINSURANCE Home Insurance — Sat, 27 Nov 2010 00:00:00 GMT

Along with the blessings of owning valuable possessions like jewelry, fine art, electronic equipment and other wonderful things comes the risk of losing them. The more cool stuff you own, the more homeowner’s or renter’s insurance you need ...

Update Your Homeowner Insurance Checklist After the Holidays

EINSURANCE Home Insurance — Sun, 21 Nov 2010 00:00:00 GMT

Whatever you celebrate in December, chances are you will acquire an expensive gift or two: a flat-screen TV, a camera, a laptop, jewelry, maybe even a puppy. Protect your new possessions from thieves, fires and all the other things that can beset them....

Will Your Property Insurance Protect You If You Rent to a Bad Tenant?

EINSURANCE Home Insurance — Tue, 16 Nov 2010 00:00:00 GMT

It took just 45 minutes for an Escondido, California home to burn to the ground. The home, valued between $250,000 and $300,000, was a rental unit that had been occupied for about four years by the same tenant. Although the home’s owner had more ...

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

EINSURANCE Home Insurance — Thu, 11 Nov 2010 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...

Save on Homeowners Insurance: Avoid These Winter Safety Hazards

EINSURANCE Home Insurance — Thu, 11 Nov 2010 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

Winter Home Heating Savings

EINSURANCE Home Insurance — Thu, 11 Nov 2010 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 homeowners...

Aliens Among Us: The Uninsurables

EINSURANCE Home Insurance — Fri, 29 Oct 2010 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 and Ameri...

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

EINSURANCE Home Insurance — Fri, 29 Oct 2010 00:00:00 GMT

From crossing the street, to purchasing 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 burpin...

Insurance Considerations For Domestic Partners

EINSURANCE Home Insurance — Fri, 29 Oct 2010 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...

Add Identity Theft Insurance to Your Homeowner’s Policy

EINSURANCE Home Insurance — Thu, 28 Oct 2010 00:00:00 GMT