Typically, a homeowners insurance policy will not cover damages caused by flooding. If you want coverage for that type of situation, you have to buy a separate flood insurance policy. Green Tree Insurance has combined the two policies into one. This is great for homeowners! Green Tree Insurance sent a very interesting email to my husband today. We have a mortgage with this company, and it isn’t unusual for people to get email from places that they have a loan with. This email had some unexpected news that I thought was important enough to share. When you buy a house, … Continue reading →

There are specific types of things that a homeowners insurance policy will cover. Problems arise when a person files a claim for damages that come from unlikely, or unusual, sources. A couple in Texas learned that their homeowners insurance won’t cover damages done by dead birds. A homeowners insurance policy is designed to give you some financial protection in case certain types of damages happen to your home, garage, driveway, or the contents of your home. It also can provide some financial assistance if someone comes to your home and gets injured. (That part would be covered if your policy … Continue reading →

You’ve done the responsible thing, and gotten a homeowners policy. This is a great way to provide yourself, and your family, with some protection in case your home is damaged, or your property is stolen. However, not all homeowners insurance policies are exactly the same. How much do you know about what is, and what is not, in your homeowners insurance policy? Most homeowners policies contain five important types of coverage. The first section is Dwelling Insurance, which covers the cost of replacing the actual structure of the house, the garage, and possibly a storage shed. The second section covers … Continue reading →

Winter weather brings snow, ice, and freezing cold temperatures. These conditions, together, or individually, can cause a lot of damage to your home and property. Bad winter weather can cause injuries to yourself, your family, and others. Do you know what situations are covered by your insurance policies, and which are not? Let’s say that it has been snowing, on and off, for the past three days. This results in an accumulation of a foot or more of snow. November is a busy month, so maybe you didn’t get time to go out and shovel the sidewalk in front of … Continue reading →

Homeowners insurance is the best way to protect your personal property whether you own or rent a home, manufactured home, townhouse, or condominium. When reviewing your insurance policy it’s a good idea to understand what kind of Homeowner Form your insurance policy is written on. Home-owner’s policies are classified by the type of perils they cover. There are six basic types of homeowner insurance policy forms which tend to be defined by the Perils they cover: HO-1: is the basic homeowners insurance form. Also known as a Standard Fire Policy An HO-1 policy covers a dwelling (the actual structure of … Continue reading →

It has been raining, on and off, for the past couple of days. Last night, and for part of this morning, it was raining quite hard. I noticed that there was a puddle of water on the floor that had never been there before. Time to call my homeowners insurance company! Under my computer desk, there is a box. Or, I should say, there was a box. The box was once partially full of office supplies that I tend to go through rather quickly. The amount is too small to be considered a stock pile, but maybe a bit larger … Continue reading →