• 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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    07/14/2015
  • 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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    07/12/2015
  • Air Conditioner Unit

    Does Home Insurance Cover My Central Air Conditioning Unit?

    Homeowners Insurance Policies offer coverage against a long list of perils which occur on a sudden and accidental basis such as Fire, Wind, Hail, Theft etc…    Unfortunately, ‘Wear and Tear’ is not a covered peril.   Insurance companies assume that the homeowner will properly maintain mechanical systems throughout the house; it is a natural assumption that […]

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  • Avoid Termite Damage

    Does Homeowners Insurance Cover Termite Damage?

    According to the National Pest Management Association, termites cause more than $5 billion in damage in the United States.  It is important to know that Termites are a very real threat to your home and Homeowners Insurance generally doesn’t cover such damage. Homeowners Insurance is designed for covered perils that are sudden and accidental; termite […]

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  • Renters Insurance Required

    How Much Renters Insurance Is Required?

    It has become more commonplace today for Landlords to require Renters Insurance. It has clearly been proven that insured tenants are a better risk for property owners as compared to tenants who don’t choose to insure their belongings. Many tenants are searching for ‘Cheap Renters Insurance Online’ as it is apparent that more and more […]

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  • Affordable Care Act

    Understanding Health Insurance Metal Levels

    There are many options to consider when buying Health Insurance. The Affordable Care Act (ACA) has made it simpler to compare plans by requiring insurance companies to offer plans that fall into one of four levels of coverage for individual and small group plans. The four categories are named after metal levels: bronze, silver, gold […]

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    05/28/2015
  • Condo Insurance

    Difference between Condo (or Townhome) Insurance & Homeowners Insurance

    Although there are great similarities between buying a house, a townhouse or a condo, there also some key differences.  In the case of a townhouse or condo, a Homeowners Association exists for the purpose of governing the property common to all unit owners.  The building structure and common areas are usually insured by a Master […]

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    05/07/2015
  • Does Homeowners Insurance Cover Termite Damage?

    Homeowners insurance policies are meant to cover damage to the home from covered perils which are sudden and accidental in nature;  for this reason, termite damage is generally not covered.  Although each year termites cause more than $4 Billion in damage, there is a great reluctance by homeowners to subscribe to a pest control service […]

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    05/04/2015
  • Renters Insurance Required

    May a Landlord Require Tenants to Have Renters Insurance?

    There are many benefits to both the Landlord and the Renter as a result of the Landlord Requiring the Tenant to buy a Renters Insurance Policy. The past couple of decades have offered us much needed insight on increasing issues which may involve insurance in a growing population.   As a result of multiple municipalities with […]

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    04/10/2015