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Homeowners Insurance

Articles and information regarding homeowner insurance coverage. This section is hear to help you answer common questions regarding your home insurance coverage. Our articles outline coverage, options and types of additional protection for your home.

• Basic Homeowners Insurance Coverage Explained
• Home owner Claim Process
• Claims Settlement
• Home Insurance Cost Saving Tips
• Hurricane Tips

Protect your home and property when you are away. - Take these steps to avoid possible damage to your home while you are away. Home insurance is going to be there, but reducing a loss is the best action you can take.

Insuring the property of your child while they are at college - Learn about the limitations in your own homeowner insurance policy to be sure that your child is covered properly.

Jewelry Coverage - Coverage for jewelry, and other select items, is limited on a home insurance policy. Be sure to broaden your coverage to cover your valuables.

Insuring a Home that is Under Construction - There are unique exposures to cover when insuring a home while it is being built or under construction. Be sure that you, and your builder, have the correct insurance coverage so that you are covered if a loss occurs.

Water Backup: If you have a finished basement, or below grade storage, be sure your home insurance policy covers a loss for a backup of a sewer or drain. Water can do a tremendous amount of damage and for a small premium you can be sure you have the correct endorsement on your policy.

Home Inventory: Be sure that you take an inventory of your belongings and keep it with your home insurance records. If you have a claim, you will be happy that you have the proper documentation.

Is a trampoline accident covered under homeowners insurance? - Don't just assume that your homeowner policy will cover a liability loss due to a trampoline.

Replacement Cost vs. Market Value
Ever wonder why your insurance company requires you to insure your home for more than it is worth? This article explains why.

Top 10 Ways to save money on your homeowner’s insurance
Ever wondered what factors can save you money on your home insurance? This list provides you with the ten factors that have the most impact on your rate.

Home Insurance Buying Decisions
As a general rule, buy homeowner's insurance that covers as broad a range of catastrophes as possible and most types of losses. Homeowner's insurance policies have three key types of protections: property damage, loss of personal property, and liability claims by others. Here is a look at each.

Home Insurance Options and Coverage Available
The are three basic areas of homeowners insurance. The first is the actual structure of your home. The second involves insuring the contents of your home. The third insures against liability costs. Read More.

Coverage Cost vs. Benefit
This section deals with the costs and the benefits of your homeowners insurance policy. There may be areas of your homeowners insurance policy where you will want to increase the premium to get some additional protection. Learn more.

Explanation of Home Insurance Product
Homeowners insurance, also called property insurance, is insurance that protects your home and against accidents. Read the explanation of home insurance coverage.

Watch Out!
Here are some things to be aware of when purchasing your next home insurance policy.

Home Insurance Claims
What steps should you take if you have a property or homeowners insurance claim?

How to prevent an ice dam from damaging your home

Will an unexpected flood equal financial disaster?

Insurance Company links and phone numbers

Home Insurance Quotes