Getting an Affordable Homeowners Insurance Policy
For as much coverage you get with a standard homeowners policy, the policy itself is priced pretty well in most cases. Not only will you have coverage for your home in case of fire or other losses, you also will have coverage for liability claims. Let’s say you’re at a park with a friend and accidentally cause that friend an injury during a game of football. The personal liability coverage can help protect you from a financial loss in this... [Read More...]
Homeowners Insurance and Pit Bulls
One thing that can really determine your homeowners insurance rate is the type of dog you have. If you have a pit bull, your going to be limited on the number of companies that will insure your risk. The insurance company may also exclude coverage for any loss relating to a dog bite in order to write the policy. I personally believe Insurance companies should inspect dogs at the time of the home inspection. Any dog can be a high risk. The... [Read More...]
Time To Change Your Homeowners Insurance?
Changing your homeowners insurance can be easily done. Many find themselves nervous about changing insurance companies due to the chance that the process may be complicated. I decided to make a change my self. My prior company was charging about $600 a year for my homeowners policy. Basically the mortgagee would pay the annual premium every year and then charge monthly. I decided to make the change to American Commerce who was offering the same... [Read More...]
Homeowners Insurance, Maintaining Affordability
There are many things that come with a homeowners policy. The first line of coverage will be directly related to the value of your home. This is also known as Dwelling A Coverage. Your homeowners policy will also set an amount to cover your other structures such as non-connecting sheds and carports. The amount of coverage is usually set by a fixed percentage of the Dwelling Coverage A So what else are you getting from your homeowners... [Read More...]
Homeowner Insurance Rates for the Dog Owner
There has been roughly $317.2 million paid in a single year for claims relating to dog bites alone. Some dog breeds are no longer covered by a number of Insurers due to the history of claims recorded. The top five dogs to be included in this list of unsurable pets are the Akita, Alaskan Malamute, Chow Chow, Doberman Pinscher, German Shepherd and the Pit Bull. Also included as high risk K9 companions are the Presa Canario, Rottweiler,Siberian Husky,... [Read More...]
Shopping for Lower Rates on Homeowner Insurance
There are a few things to keep in mind when shopping for homeowner insurance. Consider combining your auto insurance policy with you homeowners insurance coverage. By combining these two coverages you’ll be able to take advantage of the multi-line insurance discount. [Read More...] Read More →
Home Insurance, Proper Coverage
The most important part of your homeowner policy is your “dwelling” coverage. If your home suffers damage or a total loss your policy must have the proper limits to ensure your home is repaired or rebuilt. BEING UNDER INSURED Over the past ten years in Arizona and California there have been several major forest fires that have destroyed dozens and dozens of homes. Unfortunately some of these homeowners discovered that their homes were... [Read More...]