Whether or not you need earthquake insurance is up to you. Earthquake insurance can be expensive, and it does carry a much higher deductible than your regular homeowner’s insurance. Just remember, losses from earthquakes can be substantial. For insurance companies, [...]
Whether or not you need flood insurance depends on where you live. Your standard homeowners insurance policy does not cover you for damage from floods. So if you live near a large body of water, a river or the ocean, [...]
The smartest way to make sure you have the right coverage is to take an inventory of your belongings. You’ll want to do one anyway to have in case there is a loss or damage to your home or property, [...]
There are certain situations or certain items in your home that have specific limits on the amount for which you would be covered under “standard” homeowners insurance. For most people, these limits are adequate. However, if you have a home [...]
There are different types of homeowners insurance policies and as you would expect, they offer different levels of protection. There was an HO1, which was so basic and covered so little that it has been discontinued in most states. There [...]
Homeowners insurance protects you in case of damage to your dwelling or property, injury to your guests, or events for which you may be held liable. Usually, a homeowners insurance policy contains liability coverage and may provide you with options [...]
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