eInsurance Journal: EInsurance Journal Home Insurance Articles

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 w...

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...