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Home Insurance Guide
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Home Insurance Guide

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    Home Insurance Guide - Table of Contents

1.  Dare to Compare Home Insurance Companies

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. Frequently Asked Questions

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:

  1. damage or loss to the home itself, as well as other structures on the land;
  2. damage or loss to the items of personal property in the home and other structures; and
  3. 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.

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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.

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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.

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We have your Home Insurance Guide & Buying Cheap Homeowners Insurance here, ready to print out in just seconds. Looking for average home owners insurance or compare home owner insurances? We have it all for you, whether it's homeowners insurence home or condo landlord insurance. Shalom for Home Insurance Guide!

Recent News:

05/09/2008 Protect Against DIY Disasters
Easter is the most popular weekend of the year for DIY, with consumers spending billions of pounds on home improvements. But if you are planning to redecorate or renovate this weekend make sure your home insurance is up to date. DIY enthusiasts are expected to cause up to £25 million worth of damage this weekend alone and insurers are warning that if things go wrong your home insurance could be invalid.

05/09/2008 Are You Content To Sacrifice Your Contents?
Look around you: what do you see? A computer will certainly be there; perhaps a television, some ornaments, a stereo system or a priceless antique? Now imagine they were all gone - how much would it cost to replace them?

05/09/2008 Compare Cheap Home Insurance with Free Online Quotes
When you want to compare cheap home insurance rates it can pay to use one of the many free online quote websites that are available. At the same time you also want to make sure that you are getting the best coverage for the best price because being underinsured is the last thing any homeowner wants.

05/09/2008 Home Insurance In Colorado And Saving Money
Colorado home owners can find good values on home insurance with just a little bit of time and effort. Here are some things to consider that could save you quite a bit of money.

05/09/2008 Stop Overpaying on Your Homeowner's Insurance and Save Some Money
With the current uneasy economic state of the country and prices that seemingly won't stop rising consumers everywhere are looking for ways to save money. The price of gas keeps going up, foods costs are rising, and the money in everyone's pocket just doesn't go as far. One place many people fail to look for savings is their homeowners insurance because they just don't think about it.

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