If you have a home, you most likely have a home insurance policy. However, you may not know exactly what you are covered for until you go to file a claim. This can be a risky strategy as even a small claim against you could cost thousands of dollars. Let’s take a look at what a typical homeowner’s insurance policy protects you against.
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Although you may understand your homeowner’s insurance, vacation property carries with it different risks that you need to understand. First of all, you’re not living in your vacation home year-round so there are vacancy and possibly tenant related risks. And even if you do spend a considerable amount of time there, vacation homes are often outfitted or even built differently than traditional
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Having adequate homeowner’s insurance is important because it will cover you if something happens to your home/belongings. Having appropriate coverage when you buy your home can give you peace of mind and protect your investment. For example, dog bite injuries are common and happen more often than you think. And as a homeowner you are
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Property is the stuff of dreams whether it is a house with a white picket fence or a condo by the beach.  And it doesn’t hurt that property in a good location can appreciate in terms of value. But, being the proud owner of property is only the beginning. You have to maintain and insure that
Is Property Insurance Worth the Investment? Read More »
The Reality of Home Fires It is human nature to avoid worrying about non-urgent threats. The common thinking is that bad things happen to others, not ourselves. The threat of a home fire is one such life situation. As a homeowner, it is important to understand the reality of the risk of a fire at
Fire Protection for Your Home – Before It’s Too Late Read More »
Flooding is a fact of life. To take advantage of natural sources of hydration and ready-made trade links, humanity has historically clustered near large, volatile bodies of water. During the past several thousand years, cities and towns have sprung up on barrier islands and around saltwater harbors, inland lakes and lazy river bends. Overall, this
If you’re not sure exactly what’s covered by your homeowners insurance contract, you’re not alone. Even experienced insurance professionals admit that homeowners insurance policies are complex documents written mostly in legal jargon that’s incomprehensible to the average person. It’s important, however, that you have a good understanding of exactly what’s in your homeowners policy, because
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Note from editor: Although this article is targeted to UK home owners, most information is applicable to other markets, including the U.S. When it comes to protecting what is likely to be one of your largest investments, why is it that we would rather purchase a premium brand of coffee, than get the right home
The importance of UK Home Insurance Read More »
Insurance claims happen year round, but accidents during the Christmas holidays can be especially troublesome. With all those unusual activities, guests, extra food and gifts around, insurance claims can be significantly higher than normal. Plus, festive factors such as increased use of electricity & bad weather can increase the likelihood of everything from house fires
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Carrying homeowner’s insurance is necessary because without it you may have to pay a lot of money out of your own pocket if a storm causes damage or someone is hurt while visiting you. That doesn’t mean you need to spend an outrageous amount of money for protection–some people pay far too much for homeowner’s
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If losing your personal property to fire, burglary, or some sort of natural disaster doesn’t sound stressful enough, imagine trying to go back in your memory bank to come up with a list of everything that’s missing or destroyed so that you can recoup some of your losses. If you have yet to do a
How to Do a Home Inventory for Your Insurance Company Read More »
If you put in some extra effort to find a cheaper price on your home insurance, you could easily end up saving many hundreds of dollars every year. You need to put all your focus on finding an insurer you can trust, that will also provide you with the coverage you need at a fair
It Doesn’t Need To Be Difficult To Get A Cheap Home Insurance Quote Read More »
