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
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
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
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
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
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
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
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
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.
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
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
Since theft is not unheard of in college dorms, check your homeowners’ insurance or your renters’ insurance policy.
The exclusions in your homeowners insurance can result in huge gaps in your coverage and leave you holding the bag for replacing stolen or damaged personal property.
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 homeowners insurance policy, too.