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Save on Homeowners Insurance: Avoid These Winter Safety Hazards

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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 homeowners insuranc

Winter Home Heating Savings

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 insurance. Here are some commonsense winter home heating sa

Homeowners Insurance Quotes – Know Your HOs

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 different HOs categories, but the average home insurance quote shopper will typically only deal with fo

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

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-charac

What You Need to Know About Wildfires and Homeowners Insurance

As summer heats up, it’s a good time to reflect on your homeowners insurance policy and preventing wildfire damage.

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

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 $15,478,000,000 i

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

Most homeowners’ insurance policies cover losses from resulting from tornadoes; if not specifically named, they’re part of the broader “windstorm damage” coverage in your policy. However, as with all things insurance, don’t assume anything – check your po

Here Comes Spring. Got Flood Insurance?

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 insurance policies do not include flood insurance or cover damages from flood wate

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

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 policy, you might assume the word “all” implies that everything is covered. You woul

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

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 in abandoned properties, insurance companies have become increasingly vigilant. If y

Homeowners Insurance for Unmarried Couples

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 policy. It granted insured status t

When You Run Out of Property Insurance Options, Consider FAIR

Government programs love acronyms, so here’s another one that can be of value if you own property and are having difficulty obtaining homeowner’s insurance: FAIR. It stands for Fair Access to Insurance Requirements. It was established by the federal gove

How to Lose Your Homeowners Insurance: Dog Bite Claims

Could the family pooch be standing between you and a homeowners insurance policy? Dog lovers that we are, we’re sorry to say it’s true. A 2008 study revealed that dog bite claims are the source of more than 30% of all homeowner insurance liability claims

How to Verify Property Value on a Homeowners Insurance Claim

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 policy. Here

Cut Costs with These Homeowner Insurance Discounts

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 money-saving discounts.

All About Vacant Property Insurance

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 steal copper w

For Homeowners Insurance Discounts Make Your Home More Secure

A barking dog may deter a thief, but it won’t get you any homeowners insurance discounts (and a biting dog could get your policy canceled). A much better bet is to do everything possible to secure your home from break-ins. Even something as small as inst

Insuring Your Kid’s Dorm Room on Your Homeowners Policy

Since theft is not unheard of in college dorms, check your homeowners’ insurance or your renters’ insurance policy.