Homeowners Insurance Articles

It is important to understand that every homeowners insurance policy is different. This makes it difficult to answer the question “What does homeowners insurance cover?” with a one-size-fits-all answer. There are some things, though, that the average homeowner’s policy will include in the cove...

If you own a condo, you may think your condo association's insurance policy will pick up the bill if something were to happen to your condo and the contents in it. However, this is not the case in most situations, and you’ll need condo insurance on your own. While the condo association may have co...

Most homeowners understand that they need to maintain a homeowners insurance policy. This policy is what's going to protect your biggest asset. But, knowing how to shop for homeowners insurance can be confusing. You need to know the factors that influence your rates, what coverage you need, and how...

Homeowners insurance is there to protect your home, the contents in it, and, indirectly, other assets you own in the event of theft, accidents, fires and other disasters. However, when it comes time to shop for a home insurance policy, there's no one-size-fits-all approach. The amount you want to sp...

Renters insurance is becoming increasingly necessary for today’s renters. There are many reasons this is the case, not the least of which involve the litigious nature of society. But that is far from the only reason you need renter’s insurance today. What is Renters Insurance Coverage? Ren...

Most people marginally understand the concept of deductibles when it comes to homeowners or even auto insurance. This is your “shared pain” with the insurance companies in the form of money that comes out of your pockets in the aftermath of an accident or covered event. The insurance companies o...

Loss of use coverage is fairly standard on homeowners insurance policies. Unfortunately, many people fail to recognize just how critical this type of insurance coverage is. With storms raging and wildfires burning out of control across the country, it is more important than ever to understand the st...

Although you can't predict when a flood will occur, you can take steps to reduce your financial losses by purchasing flood insurance. While flood insurance pays for damage to your home, there are other things you can do to keep your family and property safe during heavy rains, tropical storms and hu...

Just like working smoke detectors in your home are important, so is knowing exactly what you're going to do if you have a fire in your home. Although having adequate homeowners insurance is a big part of your plan to cover you in the event of damage to your home due to a fire, so should be planning ...

Many renters feel that they do not need renters insurance protection. This is mainly because they do not fully understand what that protection entails or feel they do not have enough possessions to warrant insurance coverage. The truth is, you have more than you realize if you are renting a home and...