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Home Owners Insurance

Home owners insurance is a form of property insurance designed to protect an individual's home against damages to the house itself, or to possessions in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property.In the U.S. there are seven forms of homeowners insurance that have become standardized in the industry; they range in name from HO-1 through HO-8 and offer various levels of protection depending on the needs of the homeowner.While homeowners insurance covers most scenarios where loss could occur, some events are typically excluded from policies, namely: earthquakes, floods or other "acts of God" and acts of war.For people who live in certain parts of the country, adding an extra policy for earthquake insurance or flood insurance can be a good idea. Some homeowners insurance is designed for renters, typically HO-4 or "renters insurance", and only covers possessions within the home and isolated events not covered in the property insurance held by the owner.

Bundle Your car And Home Insurance Policies Together

Bundle Your Car And Home Insurance Policies

A common method to obtain cheaper insurance is to bundle your car and homeowners insurance together.Your insurance company may offer a "bundling" discount if...
roof insurance scams

Roof Insurance Scams

The roof is one of the most important components of any home. No part plays a bigger role in keeping the elements out, so...
Helping You Shop For Homeowners Insurance

Helping You Shop For Homeowners Insurance

Some people simply purchase homeowners insurance online.  Others will seek out a local agent.  It's your choice.  But with either decision, you need to...
How Often Should I Review My Homeowners Insurance Policy?

How Often Should I Review My Homeowners Insurance Policy?

Make sure you periodically review your homeowners insurance policy. A good rule of thumb is to review it when the policy comes up for renewal....
Do I Need Renter's Insurance?

Do I Need Renter’s Insurance? Isn’t My Landlord responsible?

You just got your first place.  You have left your parents home and the dorm room and are now an official renter.The first thing...

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