Category Archives: Homeowners Insurance

What Protection Does the Personal Liability Coverage in my Homeowner’s Insurance Policy Provide?

  This coverage protects you and all family members living with you against claims or lawsuits resulting from bodily injury or property damage to others for which you are negligent and legally liable, with exceptions such as intentional acts.  For …

21st August 2010 No Comments

Does my Homeowners Insurance Policy Cover Flood Damage?

  Generally homeowners insurance policies do not offer protection against flood losses. You should check your policy under Section I – Exclusions. It would probably be listed under “water damage”. Flood insurance is available through the federal government’s National Flood …

20th August 2010 No Comments

Does my Credit Determine my Cost of Insurance?

  The short answer is yes and no. Not all states use your credit score to determine the cost of insurance, but some states do pull your credit when running insurance applications. Even if your state doesn’t allow for credit …

19th August 2010 No Comments

Homeowners Insurance Coverage (Coverage A)

  Understanding how different types of Homeowners Insurance Coverage types work is very important in making an intelligent choice of an insurance policy to protect your valuable asset – your home. We often mistakenly think the mere fact that our …

13th August 2010 No Comments

What Types of Insurance are Tax Deductible?

  I just received a solicitation in the mail for tax-deductible life insurance from one of the companies I currently represent.  Who doesn’t love a tax deduction, right!?  I immediately opened the letter, and saw pretty much what I thought …

5th August 2010 No Comments

What is personal property coverage (coverage C) and what does it cover?

  Contents Coverage (Coverage C) is the portion of your homeowners insurance policy that covers the cost of replacing your possessions, or home’s contents, in the event that they are destroyed in a covered peril (wind, fire, hail, lightening, theft, …

2nd August 2010 No Comments

What Does Homeowners Insurance Cover?

  Coverage A – Dwelling   Dwelling coverage (coverage A) is the portion of your homeowners insurance policy that covers the cost of rebuilding /repairing your home in the event that it is damaged or lost in a covered peril …

29th July 2010 No Comments

What is loss of use coverage (coverage D)?

  Loss of Use (Coverage D) is the portion of a standard homeowners insurance policy that protects you in the event that your home is destroyed or damaged and you must seek other living arrangements while repairs are made. Loss …

28th July 2010 No Comments

How a Dog Affects Your Homeowners Insurance

  The bottom line is that no matter how well behaved a dog is, there is a chance that the dog could bite someone.  Because the chance of a dog bite exists, it must be insured against.  Just like anything …

26th July 2010 No Comments

Steps to Take When Filing a Claim

  1. Notify your agent immediately.   2. Review your policy with your agent to determine coverage.   3. Gather the information, forms, documents, and any other necessary information you will need to process your claim.   4. Protect your …

19th July 2010 No Comments