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Should You Carry High Deductible Home Owner Insurance?

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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 deductible on your homeowners insura

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

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

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

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

Here are some things you need to know when filing a big claim on your homeowners’ insurance policy.

Here’s Your Earthquake Insurance Wake-Up Call

Earthquakes and earthquake damage can and do happen anywhere, but most standard homeowner’s policies do not include earthquake coverage. In most states, you can purchase earthquake insurance as a rider to your homeowner’s insurance policy from your insura

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

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

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

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

Is Homeowners Insurance a Tax Deduction?

If you were hoping that your homeowners insurance is tax deductible, sorry to break the bad news. There are some instances when you can deduct homeowners insurance – and we’ll get to those in a second – but generally speaking homeowners insurance doesn’t