• 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
  • Home Insurance Discounts

    Tips to Save Money On Your Homeowners Insurance

    For each family, many of the goals are similar; whether it is getting rid of the pool man and gardener or whether opting to forgo going out to eat, all homeowners are seeking ways to reduce monthly expenses. Many property owners are leaving hard earned dollars on the table when it comes to Property Taxes […]

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    07/28/2015
  • Sewer Backup Insurance

    Homeowners Insurance – What Is Sewer Backup?

    Sewer Backup Coverage is available by endorsement to Homeowners Insurance Policies by most insurance carriers. The standard homeowners insurance form excludes coverage for damage caused by sewer backup; it is important to be able to differentiate between water damage from a failed water source and the backup of the home’s drainage system. Most home insurance […]

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    07/26/2015
  • Plumbing Home Insurance

    Does Home Insurance Cover Plumbing?

    In most situations, a Homeowners Insurance Policy will cover damage caused by the failure of the home’s plumbing system; however, repairing and maintaining the home’s plumbing is the responsibility of the homeowner.   The Insurance Policy is designed to provide coverage for sudden and accidental losses caused by perils listed on the policy; not for maintaining […]

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    07/25/2015