Sep 27, 2023
Does Homeowners Insurance Cover Asbestos Removal?Homeownership comes with a myriad of responsibilities and unexpected challenges. Among these challenges, asbestos removal is a topic many homeowners may have yet to consider. Asbestos, a naturally occurring mineral fiber, was once commonly used in construction materials for its fire-resistant and insulating...
Sep 14, 2022
What Should You Know About California Fair Plan Wildfire Insurance?Certain homeowners in California's areas with high wildfire risks have difficulty finding regular fire insurance due to insurers not wanting to take on high risks. But homeowners can turn to California FAIR Plan Wildlife Insurance if they qualify. Here's a look at how the FAIR plan, which is a bit more...
Aug 03, 2022
Are Sinkholes Covered by My Homeowners Insurance?Standard homeowners policies cover three primary things. They include structures on the property, your personal possession, and various types of liability. Basic policies do not cover various natural disasters, such as hurricanes, floods, and earthquakes. Other natural occurrences that are not covered...
Jul 06, 2022
Negotiating a Change in Your Home Insurance ValueThe 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...
Jun 22, 2022
What Happens to Your Mortgage If You Lose Your Homeowners InsuranceA 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...
May 18, 2022
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...
Mar 23, 2022
How to Acquire the Best Deal on Homeowners InsuranceHomes are the most valuable thing you may own. Insurance protects the value of the building, including modifications, as well as our personal items. When shopping for the best homeowners insurance deal, use the following tips to make your journey more efficient. Ideally, you'll find an insurer that gives...
Jan 19, 2022
What Can I Do If My Homeowner's Claim Is Denied?When you file a claim against your homeowners' insurance policy, you normally have a good reason to do so. However, there are times when claims are denied, and it is up to you to figure out why. It may be an error in the paperwork, or there could be something in the policy that you didn't realize was...
Dec 22, 2021
Homeowners Insurance: What Is an "Act of God"?Reading a homeowners policy for many is like looking at a book written in a different language wherein the words and phrases used may be difficult to understand. One such phrase is an 'Act of God.' Defining an "Act of God" An "Act of God" is an event that occurs directly because of a force of nature...
Nov 03, 2021
How Homeowners Insurance Cover Personal Injury ClaimsPersonal injuries can happen at anyone's home, which is why every homeowner needs to carry a certain amount of liability coverage. For example, a guest might trip over a crack in your floor and sustain serious injuries from the fall. Therefore, you will need sufficient coverage in place to reduce the...
