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10 Lesser Known Home Insurance Discounts

Everyone knows that auto-paying and bundling insurance can save money, but what other home insurance discounts are available? [sc_content_link label=”Get today’s insurance rates.” cat=”home”] Paid-in-Full Discount If you’re paying for your insurance monthly, you’re paying too much. If you pay your premiums in full, you can save yourself a total of 5 percent after taxes. […]

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How to Lower Your Vacation Home Insurance Premium

If you have a vacation home, you need to insure it. You’ll probably find that the rates for this home are higher. This is for one simple reason – risk. [sc_content_link label=”Get today’s insurance rates.” cat=”home”] Insurance companies take a higher risk insuring homes that aren’t occupied full-time. When someone lives in the home full-time, […]

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Guide to Hazard Insurance for Homeowners

When you take out a home loan, the mortgage lender will require that you have hazard insurance. This isn’t the same thing as mortgage insurance. Hazard insurance protects you, while also protecting the lender’s interest in your home. [sc_content_link label=”Get today’s insurance rates.” cat=”home”] Keep reading to learn how hazard insurance works and what you […]

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Is Home Replacement Cost the Same as Market Value?

You buy home insurance to protect your home should a disaster occur and you need to rebuild it. But how do you know how much to insure it for? Sure, you know the value of your home, but that’s today. What’s the cost to rebuild it in the future when something could happen? This is […]

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Role of an Home Insurance Adjuster

The home insurance adjuster is the insurance company’s representative when you have an insurance claim. They work on behalf of the insurance company to determine the validity of the claim and to determine how much they should pay you for the claim. [sc_content_link label=”Get today’s insurance rates.” cat=”home”] While the adjuster’s job is to settle […]

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What is Loss of Use Coverage For Home Insurance?

If your home burnt to the ground or the storm damage was severe enough that your home wasn’t livable, where would you go? Would you have the money to cover the costs to live elsewhere while still covering the cost of your mortgage? [sc_content_link label=”Get today’s insurance rates.” cat=”home”] If you said ‘no,’ don’t worry, […]

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Does Hazard Insurance Cover Hurricane Damage?

Hurricanes can cause all types of damage. Despite the fact that you have homeowner’s insurance, not all hurricane damage is covered by your standard policy. Understanding what might and might not be covered can help you buy the right coverage for your home. [sc_content_link label=”Get today’s insurance rates.” cat=”home”] What Homeowner’s Insurance Might Cover Keep […]

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Understanding the 80 Percent Rule for Homeowners Insurance

If you are unaware of the 80 percent rule in homeowner’s insurance, you may find yourself underinsured when it comes time to file a claim. The 80 percent rule requires homeowners to have replacement cost coverage that is worth at least 80 percent of the home’s replacement cost. That’s a standard rule across the board […]

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What Does Homeowner’s Insurance not Cover?

You probably think if you take out a homeowner’s insurance policy that it covers everything to do with your home, right? Unfortunately, that’s not the case. Homeowner’s insurance does provide financial protection for your home, but only in certain situations. [sc_content_link label=”Get today’s insurance rates.” cat=”home”] Check out the top things homeowner’s insurance doesn’t cover […]

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