Category Archives: Homeowners Insurance

Is it Better to Use an Independent Insurance Agent?

  What are the benefits of using an independent insurance agent versus using a captive agent?   When shopping for insurance, most people are unaware that there are different kinds of agents they can work with. Choosing the right one …

11th February 2011 No Comments

4 Important Steps When Buying Insurance

  When you are shopping for any type of insurance, follow these four steps to make sure you get the best insurance you qualify for, at the best price.   1.  Slow down.  Don’t rush into the first offer you …

5th February 2011 No Comments

What is Other Structures Coverage (Coverage B) and What Does it Cover?

  Other Structures Coverage (coverage B) is the portion of your homeowners insurance policy that covers the cost of rebuilding/repairing the additional other structures on your property other than your home. Other structures includes detached garages, swimming pools, sheds, and …

8th September 2010 No Comments

Alarm Systems and Homeowners Insurance

  Every insurance company will lower your homeowners’ insurance premium if you install a security system. In fact, practically anything you can do to deter theft or prevent damage to your home will result in a discount on your homeowners’ …

8th September 2010 No Comments

What is Personal Liability Insurance Coverage (Coverage E) and What Does it Cover?

  Personal liability coverage, also known as coverage E, protects you and all family members who live with you against a claim or lawsuit resulting from (non-auto and non-business) bodily injury or property damage to others and for which you …

29th August 2010 No Comments

What Deductible Should I Choose?

  The deductible applies only to the coverages on your house and personal property. It is the amount you have to pay out of your pocket on each claim. You can collect on your insurance policy once the deductible amount …

26th August 2010 No Comments

What is the Definition of a Peril?

  A peril is a condition that can cause a loss. Three examples are fire, windstorm, and theft.   Contact us to see if you can save money on your insurance by speaking to a professional independent insurance agent at …

25th August 2010 No Comments

What Does Property Damage cover?

  Property damage coverage helps repair your home and personal property when damaged by such perils as fire, lightning, windstorm or hail. The perils of flood and earthquake are covered only when the coverage is added to your policy. If …

24th August 2010 No Comments

How Much Home Insurance do I Need?

  There are three primary factors in determining how much insurance coverage you need:   The cost of the coverage The amount of protection you want Requirements from lenders   The first step in determining how much insurance coverage you …

23rd August 2010 No Comments

What affects Home Insurance Prices?

  Many things affect the cost of homeowners insurance, but here are a few to keep in mind: Type of Construction: Frame houses usually cost more to insure than brick. Age of House: New homes may qualify for discounts. Some …

22nd August 2010 No Comments