Search Results for: blog what is homeowners insurance

Farmers Insurance No Longer Covers Certain Dog Breeds

Let me start off by saying that this appears to be specific to California (as far as I can tell). Farmers Insurance has decided to stop providing liability coverage in a homeowners policy for dog owners of Pit Bulls, Rottweilers, or Wolf hybrids. A homeowners insurance policy will cover many things. It can help you with the cost of replacing items that have been stolen from your home. It covers the cost of repairing your home due to damage from a storm, a fire, or even a vehicle that has driven into your house. This coverage includes damages to your … Continue reading →

Ways to Save on Your Homeowners Insurance

Want to lower your homeowners insurance premiums? Of course, you do! No matter what you are currently paying, your life would be a little bit easier if your premium was lower. Compass Insurance Agency has some advice about things you can do that could result in a lower homeowners insurance premium. When it comes to insurance premiums, it is all about risk. Insurers want to find customers who are low risk. The reason comes down to cost. If your homeowners insurance company considers you to be a high risk, they will probably charge you a higher premium to compensate on … Continue reading →

Tips to Avoid Insurance Claims on New Year’s Eve

New Year’s Eve is often celebrated with a party, lots of drinks, and a countdown to the New Year. The point is to have fun with your friends and loved ones. No one wants to have their fun spoiled by something that involves the filing of an insurance claim. Here are some safety tips for New Year’s Eve. Last year, a poll was done by Met Life Auto and Home Safety Pulse. It included questions about safety issues that can arise during a holiday party that takes place in one’s home. The results showed that many hosts ignore important safety … Continue reading →

Time to Review Your Homeowners Insurance Policy

Did you get something big and expensive this Christmas? That new item is probably not specifically covered by your Homeowners insurance policy. Start off the new year by visiting with your insurance agent, and making sure that all the goodies that Santa brought you are covered. A good time to sit down with your insurance agent to review your homeowners policy is right now. Christmas is over, and you will want to make sure that the new, expensive, items that Santa brought you and your family will be covered by your policy. This is especially true if you got new … Continue reading →

Your Guide to Insurance Savings

Everyone has to carry some form of insurance, whether it is homeowners insurance, renters insurance, auto insurance or private medical insurance. Being able to find ways to reduce the amount that you have to pay on your premiums is important. With less money leaving your family budget for insurance, you’ll have more money for savings and other needed expenses. 1. Raise your deductible If your insurance deductible is less than $500, consider raising it to at least that amount. The higher your deductible, the lower your insurance rate. The deductible is the amount that you will pay first before the … Continue reading →

Insurance Help After Hurricane Sandy

Your home was damaged by Hurricane Sandy. You did the right thing, and filed a claim with your homeowners insurance company. Your insurer still hasn’t dealt with your claim, or has flat out refused to cover the damages. What can you do? Here is some advice that may help. The governors of some states have told insurance companies that they cannot enforce hurricane deductibles on storm-related claims that resulted due to Hurricane Sandy. This is because the National Hurricane Center declared Sandy to be a “post tropical storm” shortly before it made landfall in their states. This means that if … Continue reading →

Medicaid in Six States, Fake Car Insurance, the ACA, and More!

Between the election, the announcement of Black Friday sales, and recovery from Hurricane Sandy, its been a crazy week! You may have missed a couple of the blogs that posted on the Insurance Blog in the past seven days. Here’s an Insurance Blog Week in Review to help you catch up. Medicaid Coverage in New York for Pregnant Women This blog focuses on the many Medicaid programs in New York that will cover the health care needs of low income women who are pregnant. New York also has a lot of health information accessible on their Medicaid website. Hurricane Sandy … Continue reading →

Hurricane Sandy and Your Homeowners Insurance

Homeowners insurance is supposed to provide financial help after damage has occurred to your home. Families who were affected by Hurricane Sandy may soon be battling their insurance companies over deductibles. It basically comes down to what the “fine print” says. Hopefully, everyone who had their home damaged by Hurricane Sandy also had a good homeowners insurance policy. Homeowners insurance is supposed to help with the financial aspects involved with repairing damage to your home, garage, driveway, yard, and more. It is also supposed to provide funding for you to replace personal property that was inside your home and that … Continue reading →

Insurance Blog Week in Review – July 8 – 14, 2012

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Every week, the Insurance Blog Week in Review brings you a quick and easy way to “ketchup” on the blogs that have been posted here in the past seven days. There could be anywhere between twelve and fourteen blogs that appear. Which ones did you miss? Jan Brewer Wants to Take Away Health Insurance Benefits Arizona Governor Jan Brewer wants the Supreme Court to allow her to terminate health insurance coverage for the same-sex partners of state workers. An appeals court would not allow her to do that. The Insurance Podcast Roundup went up on July 9, 2012. This time, … Continue reading →

Flood Insurance Bill Delayed by Unrelated Amendment

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The current flood insurance program will expire at the end of July of 2012. The Senate has been working on a bill that would reauthorize the program. Unfortunately, Senator Rand Paul decided to add an amendment about abortion to the flood insurance bill. This is causing a delay, right before a national holiday. A typical homeowners insurance policy excludes coverage for damages due to flooding. If your home is located in a flood zone, then you may be required to purchase flood insurance. Many families get it from the National Flood Insurance Program, (or NFIP). The current insurance program from … Continue reading →