Home Insurance Guide
& Buying Cheap Homeowners Insurance
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Homeowners insurance. How many other topics elicit so many groans and instant headaches than house insureance? I know, I know. I feel your pain. But the truth is, home owners insurance is a necessity. After all, your home is one of your most valuable assets and you need insurence to protect it.
We're here to take some of the pain and confusion out of choosing homeowners insurance. Our dozens of insurance articles show you how to save money on your homeowners insuranc while making smart insurances choices and still getting all the coverage and homeowner insurace protection you really need. If you own a home or a condo, or even if you are a renter, you owe it to yourself to make informed insureance decisions. Read these articles and learn that the key to low cost homeowners insurance isn't just buying cheap homeowners insurance -- it's getting the right coverage.
Home Insurance Guide - Table of Contents
2. A Few Of Our Favorite Things - That Can Lower Homeowners Insurance Rates
3. Types Of Homeowners Insurance Policies - Which One's Right For You
4. Other Residential Insurance Policies
5. Homeowners Insurance Endorsements And Exclusions
6. When Disaster Strikes - Time To File A Homeowners Insurance Claim
7. Factors That Determine Your Final Settlement Amount
8. What To Do If You Lose Your Home Insurance
9. Prevent Problems Before They Occur
10. Home Insurance Adjusters And Appraisers
11. From Payment To Rebuilding
12. Should You Have Flood Insurance
Homeowners Insurance Q & As
Q: Do I need homeowners insurance?
A: If you care about your home and your possessions, the answer is yes! You can never predict when or where a catastrophe will occur, so you should be prepared. And if you have a mortgage, your lender may require you to have home insurance.
Q: Are there any ways I can cut the cost on my home insurance premium?
A: There are several ways you can lower the cost on your home insurance premium. Some of the ways are: having a higher deductible, having your home and auto insurance policies with the same company, using fire-resistant building materials and installing burglar-proof security devices.
Q: My pipes froze and burst while I was on vacation. Is that covered?
A: Coverage for frozen pipes is provided under some home insurance policies, but you may need to prove that you properly drained all plumbing lines and/or maintained a proper level of heat to the dwelling. This is not covered under some very basic home insurance plans, so be sure to check your policy.
Q: What kind of risks does homeowners insurance protect against?
A: Although policies may vary, the major risks covered by homeowners insurance are:
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damage or loss to the home itself, as well as other structures on the land;
- damage or loss to the items of personal property in the home and other structures; and
- injury or harm to third parties (typically guests and others who come to your home).
Q: I'm renting an apartment. Do I need renters insurance?
A: Just like homeowners, renters face risks of loss. As a renter, the greatest risk is damage to or loss of personal property, and the landlord generally carries the burden for insuring the actual structure or building. Renters can also be liable to third parties that are injured while at the residence.
Q: There was a fire in my home, and now I'm staying at a hotel. Will my homeowners insurance cover this expense?
A: “Additional living expense” coverage (also called “loss-of-use”) is one of the most important features in a standard policy. This coverage will pay for your hotel costs, restaurant bills, and other additional living expenses when your home is too damaged to live in during repairs. The limit of coverage varies by company, so be sure to check your policy.
Q: Are my jewelry, collectibles and heirloom china protected under my regular homeowners insurance policy?
A: Yes, but there are usually specific dollar limits on coverages for cash, securities, coin collections, jewelry, furs, guns, silverware, antiques, and art. Make sure to check your policy to determine if there are special limitations for certain kinds of personal property. You can always increase coverage by adding an endorsement (or rider) to the policy.
Q: My neighbor's tree fell on my roof during a storm. Whose home insurance should cover this?
A: Homeowners are responsible for injury or damage to third parties that is caused by their ownership of property. In this case, your neighbor's homeowners insurance should cover your damage.
Q: My credit cards were stolen. Will my homeowners insurance cover any unauthorized purchases?
A: Most homeowners and renters insurance policies provide coverage for theft of credit cards, but the amount of coverage is limited. Once you have reported the loss or theft of your credit card, you are responsible for only $50 of unauthorized use.
Q: We're going on a vacation soon. Will the belongings that we take with us be covered under our homeowners insurance policy?
A: Yes, your homeowners insurance policy will cover the belongings you take wit you. But keep in mind that if you are traveling with expensive jewelry, pricey photo equipment, or other high-value items, you should think about purchasing an endorsement (or rider) to extend coverage for these items.
Whether you're looking for mobile home insurance or just plain cheap home insurance for your condo, the key to success is to learn about insurance for your home and condominium. Start by understanding what home insurence coverage you need - our house insurence articles will tell you everything you need to know about insureance for your home, condo or rental. The insurances companies don't always want you to know this information - they like to charge high rates.
Whether you're looking for home insurance in New York or Florida, Texas or Arizona, you are probably aware that the average insurace cost of homeowners insurance quotes gets higher every year. That means it's more important than ever to be a smart shopper! Condominium or house hold insurer? Compare home insurence plans and decide whether discount house insuranc coverage is right for you. Review insurance company comparisons and learn all the fancy terminology before you purchase your insurance plan.
Meanwhile, consider joining KeepandShare - it's a free online service for sharing calendars, files, homeowners insurence home and more. Use your free account to bring others closer to you by sharing online, so why not read three key benefits of KeepandShare now:
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Use KeepandShare to Document Your Home
If you've read a few of the above articles, you know it is important to have a full and accurate inventory of your home and possessions. Insurance experts recommend creating an accurate inventory of how your home is built and everything you have in it, including cost documentation. These records can be invaluable in the insurance claims process if you ever have to file a claim, say after a fire or flood.
Consider carefully where you will store these insurance records. The problem is that if you keep them in your home, then what if your home is destroyed? Your records will also be destroyed, just when you need them the most! So you should keep your records stored in a location outside your home. The ideal place to store your records is in a secure web-based service like KeepandShare.
Your records should include not only lists and documents recording all your possessions, but also digital photographs if at all possible. It's easy, just walk through your home and yard and take 20-50 digital snapshots - one in each direction in each room. Then upload these photos in to your free KeepandShare account. KeepandShare is ideally suited to insurance home inventory record keeping, because KeepandShare gives you free 'offsite' storage for PC files such as PDF, Excel and Word, word processing documents right inside of KeepandShare. Your account also comes with a 'to do' list application and a photo storage application. You can keep all your records in one place, and it's all securely guarded by a password you choose, so only you can access it. Best of all, it's free! Try an account now.
By storing your home inventory insurance records in a free KeepandShare account, you achieve several goals. The first is your records are stored on our secure web servers in a state-of-the-art data center. Our servers are in buildings built and protected against all kinds of disasters, with redundant electrical generators, and they are also regularly backed up, so your data is always safe. Second, your records will be well-organized and completely digital - freeing you of messy paper & photo storage. Third, you can access your account from any computer, since KeepandShare is a web-based software, you can access your account from any internet-connected computer in the world.
Recent News:
09/03/2010 Top Reasons to Buy Home Insurance
It is not mandatory to buy home insurance. However, you will certainly get a lot of benefits from it. Plus, the policy might be a lot cheaper than you think.
09/03/2010 Things to Know About House Insurance
According to a study carried out by moneysupermarket, many people do not realise when they purchase their home insurance, that they have not purchased a comprehensive home insurance policy. It is down to the individual policy holder to ensure that they have purchased the necessary amount of cover needed to insure against personal losses.
09/03/2010 A Few Tips On Getting Cheaper Home Insurance
Shopping for a suitable home insurance policy is just as important as buying your home itself. This insurance policy is going to act as protection for your home against any danger it might face, and therefore it is absolutely crucial that you get sufficient coverage to protect your home and everything within it against these threats.
09/02/2010 Why You Need Insurance When Renting
Even if you are just renting your current residence, it is essential that you have renter's insurance. This will give you a level of security and protection if something happens to all of you possessions.
09/02/2010 Why You Need Insurance If You Are Renting
Many people who rent their homes erroneously think that they don't need any form of renter's insurance. On the contrary, it is critical to realize that if something happens to your house, then the property owner's insurance will only cover the building itself and not your personal belongings.
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Start by understanding what home insurence coverage you need - our house insurence articles will tell you everything you need to know about insureance for your home, condo or rental. We're here to take some of the pain and confusion out of choosing homeowners insurance. But the truth is, home owners insurance is a necessity. Review insurance company comparisons and learn all the fancy terminology before you purchase your insurance plan. Read these articles and learn that the key to low cost homeowners insurance isn't just buying cheap homeowners insurance -- it's getting the right coverage. I know, I know. home Insurance Guide is important with Home insurance Guide fast Home with Insurance web and website online resources. Compare home insurence plans and decide whether discount house insuranc coverage is right for you. Whether you're looking for mobile home insurance or just plain cheap home insurance for your condo, the key to success is to learn about insurance for your home and condominium. Use website tools such as Home Insurance guide or Home insurance Guide for online Home Guide efficiency gains. That means it's more important than ever to be a smart shopper!
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