Renters Insurance

What Does It Cover and Who Needs It: Many of renters either do not know about homeowners insurance available to them or simply...

Covered Claims

Covered Events: Damage Resulting from Wild Animal Intrusion: If a wild animal, not normally know to “infest” a human dwelling, ge...

Excluded Claims

In determining if a claim is covered under a homeowner’s policy, the insured should look to the language contained in the policy itself....

Dealing with Claims

How and Why to Inventory Your Contents Insurance companies will ask the homeowner for a complete list of the contents of the home. ...

Additional Risks and Saving on Premiums

Homes equipped with an alarm system, smoke detectors and deadbolt locks could save the homeowner money on his or her policy premium. Th...

Supplemental Policies and Coverages

Homeowners policies are designed to cover a limited amount of specific risks. Depending on the type of property you own, the location...

Method of Payment of Policy Limits

At this point, it should be noted that most mortgage companies and banks usually demand that the homeowner maintain a policy which conta...

Policy Limits Explained

Declarations Page: Homeowner policy dollar limits are important to understand. The Declarations Page on the front of the homeowner’s po...

Types of Policy, Coverages and Limits

Years ago, insurance agents advised homeowners that they only needed enough insurance to cover 80% of the costs of rebuilding their home...

Shopping and Applying For Homeowner Insurance

When shopping for homeowners insurance, most homeowners are primarily concern with the cost of the coverage. However, as recent events ...