• Renters Insurance Deductible

    Does Renters Insurance Have A Deductible?

    Renters Insurance is the most understated and least utilized insurance coverage available in the marketplace. Most consumers don’t even know that it is the most affordable insurance coverage available. For Renters on a tight budget, it would be hard to understand why the savings an approximate $10 monthly premium could cause such turmoil; clearly, the […]

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    08/25/2015
  • Damaged Foundation Insurance

    Does Homeowners Insurance Cover Foundation Repairs?

    Most of us are not contractors, builders or structural engineers; neither do we walk around the home’s interior and exterior pondering about settling, earth movement and other factors that may impact the structural integrity of our homes. Like many, you may feel the unfortunate pinch of battling with difficult to open windows, a curiously stiff […]

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    08/22/2015
  • Insurance With Bad Credit

    How to Buy Renters Insurance with Bad Credit

    Think Positive! Worries won’t help and rest assured, things aren’t so bad!   If your credit has some less than desirable blemishes, renters insurance won’t damage your wallet. It is best to request a recent copy of your credit report and try to understand what has most impacted your credit score. You may expect to receive […]

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    08/19/2015
  • Title Insurance

    Buying a Home! What is Title Insurance?

    Real Estate Introduction Perhaps your most valuable asset; a sure form of savings, perhaps a tax shelter or tax deduction but certainly protected by many laws. The ownership of real estate is a big part of the American Dream of financial independence and freedom. Claims against a property may be made by mortgage companies (banks), […]

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    08/17/2015
  • Home and Property Insurance – What’s the Hype?

    For Renters or Homeowners, residing in a single story house or multi story condominium building, your home and personal belongings are most likely your biggest investments. The assurance of protecting your home and contents with the best available insurance options through HDA Insurance may be your best choice yet. Affordable home insurance package options include […]

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    08/15/2015
  • Vacant Home Insurance - For Sale

    Vacant Home Insurance – Is Your Vacant Home Covered?

    Homes may be vacant for a variety of reasons.  The home may be For Sale or perhaps undergoing remodeling;  perhaps the owner has moved out and is awaiting a better economic client to sell the home! Homeowners Insurance Policies have an Occupancy Clause which may terminate coverage after a short period of occupancy change; a […]

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    08/13/2015
  • Excellent Credit Score

    Home Buyers – How Credit Score Affects Mortgage & Insurance

    As we reach the peak of our lives amidst the excitement of buying our first home, it has been noted that 76 percent of Americans have no idea how to obtain their credit report and analyze their credit history; further, most potential home buyers are unsure of how to go about correcting any errors or […]

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    08/06/2015
  • Renters Storage Insurance

    Will Renters Insurance Cover A Storage Unit?

    Most Homeowners and Renters Insurance Policies cover personal belongings away from home; however, the coverage is limited.   It is most common for personal property away from home to be limited to 10% of your Personal Property limit listed on the declarations page; however, it is important to understand that sub limits also apply for items […]

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    08/04/2015
  • Condo Owners’ Due Diligence … You Could Be Sorry You Didn’t Know!

    A condo and a house are clearly not the same; but do we really understand the differences? Perhaps no private garden, no swimming pool to worry about and no grass to mow. A good management company would have to deal with the gardener and cleanliness and maintenance of the exterior. How about Condo Insurance? Is […]

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    07/31/2015
  • Protect Your Home From Vacation Burglary

    Unattended homes are always a greater target than occupied homes. American report two million burglaries every year according to the FBI.  There are few ways burglars search for their next target, but your property becomes particularly attractive if they know you have left for vacation. A few simple actions will dramatically decrease your chances of […]

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    07/29/2015