• Household Workers Compensation

    Is Workers Compensation Coverage Included On Homeowners Insurance?

    If a household worker or contractor is injured, you may be liable! If you ever hire a nanny, babysitter, housecleaner, gardener, or a handyman, you may be liable if they are injured. States have different rules and regulations as it pertains to Workers Compensation Coverage on Homeowners Insurance Policies.   For example, in the State of […]

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  • Renters Insurance Property Damage

    Does Renters Insurance Cover Property Damage?

    We all need Financial Protection; whether we own a home, a condo, or rent an apartment! When tragedy strikes, it is great to know that your insurance company has your back! Renters Insurance offers protection for you and your belongings when struck by a covered peril; for instance, Fire, Lightning, Wind, Water Damage etc… (review […]

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  • Home Insurance Premium

    Why You Should Multiply Your Homeowners Insurance Premium By 10!

    Insurance companies are in the business of assessing risk by relating it to the probability of numbers. Risk is studied by actuaries who prepare actuarial tables on behalf of insurance carriers; based on the probability of the occurrence claims, insurance companies are able to place a price on the homeowners insurance contract known as the […]

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  • Title Insurance vs Homeowners Insurance

    What Does Title Insurance On A Home Cover?

    Title Insurance has historic precedence dated back to the 1800s; the purpose of Title Insurance is to assure marketable free title of property. In the early years, the title insurance policy was designed to protect lawyers from errors during their legal preparation of property documents should they fail to uncover any pending debt instruments filed […]

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  • Renters Car Theft Insurance

    Does Renters Insurance Cover Car Theft?

    Renters insurance is most thought of in regards to a tenant’s personal property; however, there are many other areas of coverage which must be understood. Renters insurance policies include coverage for personal belongings at home and a percentage of the same limit is covered away from home.   Personal belongings away from home may include coverage […]

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  • Garage Door Insurance

    Is Garage Door Covered By Homeowners Insurance?

    It may seem logical that your Garage Door is automatically covered by your homeowners insurance policy.   It is necessary to understand that Homeowners Insurance offers protection against a list of perils;  your home and garage door are covered against the perils of Fire, Lightning, Wind, Hail and many other perils that may be listed in […]

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  • Toilet Overflow Damage

    Does Homeowners Insurance Cover Toilet Overflow?

    Among many forms of water damage, the toilet could be one of the causes!   You could have a jammed toilet valve, a blocked toilet or a blocked sewer pipe; the greatest attention should be given to running water and drain flow in a home. Most owner occupied homes are covered by a Homeowners Insurance Policy […]

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  • Mortgage Escrow Account

    How Does Homeowners Insurance Escrow Work?

    Mortgage companies generally prefer homeowners placing money into an escrow or impound account which they later will use to pay your property taxes and homeowners insurance.  Many mortgage companies require customers to begin an escrow account either at the inception of the loan or at a point where some assistance may be required by the […]

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  • Homeowners Insurance Companies

    How To Switch Homeowners Insurance Companies?

    For most homeowners, insurance is a necessity that is purchased and left alone!  However, there may come a time to cause you to change carriers either by force or by choice;  as we know, insurance appetites change and premium rates change accordingly. Whatever your reason for the desire to change carriers, it is most important […]

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  • Cancel Insurance Policy

    How Do I Cancel My Homeowners Insurance?

    A Home Insurance Policy can be cancelled by the Insured at any time;  most commonly, you may wish to cancel your home insurance if you sell your home or if you wish to change insurance companies. Insurance companies will refund the unearned portion of your paid insurance premium which will be calculated as of the […]

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