Blog Archive

6
Jul

Negotiating a Change in Your Home Insurance Value

The money you paid for your home is an investment. The homeowners insurance coverage you purchase is the protection for that investment. The amount of protection you purchase will be different than what you may have paid for your home when you bought. The value of your home will change throughout the years. Inflation, upgrades, and improvements will all play

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29
Jun

Comparing Comprehensive vs. Collision Auto Insurance

Finding the right car insurance policy can be a complicated process. There are multiple types of coverages that you can add to your policy. Your insurer will also assess multiple variables to help determine your rate. One of the most important decisions you’ll have to make when finalizing your policy is sticking to collision or adding full comprehensive coverage. While

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22
Jun

What Happens to Your Mortgage If You Lose Your Homeowners Insurance

A mortgage is a legal and binding contract that is full of stipulations. One of which is to make sure all of your payments are made on time. Another stipulation is that you carry a homeowners insurance policy that will cover the cost of your mortgage if your home is ever damaged or destroyed. If you allow your homeowners insurance

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22
Jun

Costs and Coverage Requirements for California Flood Insurance

California does not require a homeowner to carry insurance on their house or personal property. Lenders who offer mortgages, however, do require it. In most cases, homeowners in California will do whatever they can to protect their homes and belongings. This includes purchasing flood insurance in addition to your homeowners policy. If you don’t purchase a homeowners policy and the

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15
Jun

Breaking down the Cost of Earthquake Insurance in California

Homeowners insurance doesn’t typically cover earthquakes. So as a California homeowner, you should carry earthquake insurance if your property is to be fully protected. On average, in California, earthquake insurance costs $3.54 for every $1,000 of insurance coverage. This means to insure your single-family home at a $600,000 replacement cost, you’ll need to pay $2,124 in annual premium. In general,

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25
May

Do Multiple Car Insurance Claims Impact My Premiums?

If you file a car insurance claim, your insurer will likely consider you high risk, and therefore, raise your premiums. They will further increase your premium if you file multiple car insurance claims in three years. The period (either the same week or a year apart) between two claims doesn’t matter, as the insurer will consider all claims filed within

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18
May

How Do Insurance Companies Pay Homeowners Insurance Claims?

Homeowners’ insurance claims payout periods vary depending on your state and insurance company’s requirements. However, the process of settling claims typically follows certain procedures. Here is a look at how a claim is assessed and paid. How Is Damage Assessed During a Claim? Once you file a claim for property damage, an adjuster will visit the property to examine what

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11
May

Does Renters Insurance Coverage Include Theft in Your Car?

Renters insurance coverage can be an ideal safety net for your personal belongings. It can cover a broad range of valuables you’ve acquired over time against loss resulting from theft or damage due to a fire or natural event. The right renters policy would provide this financial protection wherever the loss occurs, be it in your house, personal car, store,

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4
May

Answers to the 5 Most Frequently Asked Questions About Condo Insurance

From an insurance perspective, condominium ownership differs from other types of home ownership in a few key ways. So, if you just bought a new condo, you may have a few condo insurance FAQs about how the coverage works. Read on to find the answers that can help you decide the best way to protect yourself. What to Know About

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