Homeowners Insurance Coverage

What is the difference between HO-6 and renters insurance?

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What homeowners insurance companies allow all breeds of dogs?

Owning a dog can be an incredible experience. But certain homeowners insurance companies will not offer coverage for certain breeds of dogs. For example, if you own a Pitbull, Rottweiler, Doberman, or another breed of dog that is considered relatively dangerous, you may have a hard time finding coverage for your pet. Because homeowners insurance...

Owning a dog can be an incredible experience. But certain ho...

What happens if someone lies on their homeowners insurance application?

Overview:  Lies can be anything from denying owning a trampoline to undervaluing property While an application may be approved, insurers can find out the truth years later when a claim is filed Your insurer can do anything from increasing rates to filing a fraud charge Lying on a homeowners insurance application carries a wide range...

Overview:  Lies can be anything from denying owning a t...

What is a fee simple title insurance policy?

So, what is a fee simple title insurance policy? The short answer to this question is: A fee simple title insurance policy insures against title defects when real property is owned in fee simple. If the term ‘fee simple’ is the issue, it simply refers to owning the land or real estate. We’ll cover the term...

So, what is a fee simple title insurance policy? The short a...

Where can you buy home insurance that allows exotic pets?

Pets are family, and we care about them to the point where pet insurance exists, which is wonderful! However, to buy home insurance that allows coverage for exotic animals is unlikely to happen. Most policies will require an exclusion that says your exotic pet is not covered. You can, however, purchase separate insurance for exotic pets...

Pets are family, and we care about them to the point where p...

What does flood Zone X mean in homeowners insurance?

Buying a home can be stressful, but add the worry of having your home flooding in the future, and you may become a little overwhelmed. However, flood zones are mapped out across the United States to make homeowners aware of the risk and help them find ways to protect their homes if there is a...

Buying a home can be stressful, but add the worry of having ...

Title Insurance Comparison

If you are purchasing a house, you might want to talk about title insurance with your lender, or get in contact with an agent, specializing in title insurance. Title insurance is a security policy that shelters you and your lender from trials and tribulations related to the property’s title before the policy was written. Enter...

If you are purchasing a house, you might want to talk about ...

Best Home Insurance

When you bought your home, you most likely put a lot of time and heart into making that decision. Buying the best home insurance also requires that same kind of dedication to ensure that your home that is priceless to you has appropriate insurance with a reputable company. Get free quotes now to compare rates...

When you bought your home, you most likely put a lot of time...

What is the average cost of home insurance?

Based on recent numbers the average cost of home insurance is just above $800 per year, nationwide. This means it is significantly higher in some states and significantly lower in others. Read the factors that make the difference and more specific figures in the article that follows. It is hard to put a figure on...

Based on recent numbers the average cost of home insurance i...

How much will my home insurance go up every year?

Wondering about how much your home insurance will go up every year? Chances are there is not too much to worry about. Unlike car insurance, home insurance does not take huge leaps and bounds as often. If you are not making claims, changes to your home or major disasters don’t occur in your geographic area,...

Wondering about how much your home insurance will go up ever...

Will a trampoline increase the cost of my home insurance?

Does homeowners insurance cover trampolines? The short answer is that in most cases owning a trampoline will increase the cost of your home insurance premiums. However, there are recent changes to that long standing policy that you need to know about before deciding to purchase or forego this fun toy. In fact, your homeowners insurance...

Does homeowners insurance cover trampolines? The short answe...

Will a past bankruptcy keep me from getting approved for home insurance?

A past bankruptcy should not keep you from getting approved for home insurance coverage. Even though it affects many aspects of your financial life, you will still be able to get home insurance from most insurers. However, one thing that you should expect is that it will impact certain aspects of your home insurance, like...

A past bankruptcy should not keep you from getting approved ...

Does home insurance cover smoke damage?

In most cases, home insurance does cover smoke damage. In fact, the HO-1 (Basic Form Homeowner Policy) lists smoke explicitly as one of the most common claims. Smoke can damage a home in a hurry and usually requires the assistance of professional cleaners in order to totally remove the smell and stains. With smoke, homeowners...

In most cases, home insurance does cover smoke damage. In fa...

Where can I get home insurance coverage for a German Shepherd?

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Can you buy homeowners insurance for a home you don’t live in?

When you buy a home you intend to live in, homeowners insurance is straightforward. From dwelling coverage to liability, a homeowners policy will keep your property in good shape for years to come. Insurance options get a little more confusing when you need to insure a house you don’t own or live in. Many Americans...

When you buy a home you intend to live in, homeowners insura...

What does redlining mean with home insurance?

Redlining, in the home insurance industry, means refusing to write policies for those properties in high risk areas and neighborhoods. This term also refers to the refusal to write mortgages for the same reason in the banking industry. Redlining tends to occur in poor, minority communities and puts homeowners and potential homeowners in a difficult...

Redlining, in the home insurance industry, means refusing to...