Homeowners Insurance

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Does insurance cover my roof if my neighbor’s tree falls on it?

Here’s a cliché, but common insurance question: “Does insurance cover my roof if my neighbor’s tree falls on it?” Fences make great neighbors. Anyone who has had neighbors (which is most of us) can agree that it can be difficult to get along with the people we live next to. Some conflicts are minor. Others...

Here’s a cliché, but common insurance question: “Does i...

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Contents Insurance Limits and Sub-Limits

A homeowner’s insurance policy is designed to protect the average homeowner against the property and liability exposure that results from homeownership. There are millions of homes in the U.S. As a result, insurers have devised some basic policy forms with equally basic coverage that adequately cover the “average” home. (How to read a homeowners insurance...

A homeowner’s insurance policy is designed to protect the ...

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Green Tree Home Insurance Advantage Review

We’ve mentioned time and again that insurance is mostly a “marketing” business. While various companies can offer somewhat unique service and minor coverage tweaks, at the end of the day, there isn’t much difference between what’s available to homeowners in the way of insurance. Homeowners can purchase a bare-bones homeowners insurance policy or opt for...

We’ve mentioned time and again that insurance is mostl...

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Named Perils vs. All Risk Homeowners Policies

Insurance match-ups: “Named perils vs. all risk homeowner’s insurance policies.” There are plenty of ways to save money on your homeowners insurance policy. Some are good and some may make you uncomfortable once you understand why they cost less. You can expect the type of insurance company whose program you “fit” to be relatively in...

Insurance match-ups: “Named perils vs. all risk homeow...

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Earthquake Insurance: What It Costs and If It’s Worth It

Earthquake insurance protects your home in the event of a…you guessed it, earthquake.  But we’re willing to bet you don’t have it. And we assume you probably don’t care, probably because you think you’re already covered, or that FEMA will step in, or that serious damage just won’t occur. While some of this may be...

Earthquake insurance protects your home in the event of a…...

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What is an elevation certificate?

If you obtained a mortgage at any time since 1994, you likely noticed the “flood cert” charge on your Good Faith Estimate, the form that details your expected closing costs. It may also be listed as a “Flood Determination.” Generally, it’s only $10-$12, but its results determine how much you’ll need to spend on one...

If you obtained a mortgage at any time since 1994, you likel...

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What is a mortgagee clause?

You might be familiar with this term if you “own” a home, but still owe money to the bank via your mortgage. Let’s square away some basic mortgagee clause definitions before we go into detail. Mortgagor: This is you. The borrower. Mortgagee: This is your lender. It may be a bank, credit union or any...

You might be familiar with this term if you “own” a home...

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GEICO Home Insurance Review: Is It From GEICO or Another Company?

Things To Know GEICO home insurance is actually sold through GEICO’s insurance agency and is underwritten by other companies GEICO home insurance claims are handled by the company responsible for underwriting, and not GEICO directly While you can’t buy home insurance from GEICO directly, you may still be able to get a bundling discount You...

Things To Know GEICO home insurance is actually sold through...

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Do I have to tell my homeowners insurance company I have a dog?

An Insurance Policy Is a Contract Insurance Q&A: “Do I have to tell my homeowners insurance company I have a dog?” Drum roll…Yes. But you already knew that. Keep reading if you want to know why. The average homeowners policies state on their contracts that basically, in exchange for consideration (i.e. your money) the insurance...

An Insurance Policy Is a Contract Insurance Q&A: “...

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Switching Homeowners Insurance Companies When You Have a Mortgage

It’s pretty safe to say most American homeowners have a mortgage loan. And those of us with a mortgage realize that we don’t actually own our home…the bank does. Right? This is why it’s necessary to list your lender’s “interest” in your home on your insurance policy. You may remember your insurance agent asking for your mortgagee...

It’s pretty safe to say most American homeowners have a mo...

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Does homeowners insurance cover bedbugs?

Homeowner’s insurance Q&A: Does homeowner’s insurance cover bedbugs?” The national media is aggressively reporting on the wave of bedbug infestations currently ravaging households in the United States. There must not be anything more pressing (like the economy) to talk about. Either way, as more and more people and businesses discover they have been exposed to bedbugs, they...

Homeowner’s insurance Q&A: Does homeowner’s insuran...

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Why Insurance Won’t Cover Some Roof Claims

Agents all across America deal with this situation on a regular basis. There tends to be some confusion on the matter. So let’s talk about some basic insurance principles to get a handle on the topic. Keep in mind; every insurance claim includes individual details and circumstances that make it nearly impossible to render a...

Agents all across America deal with this situation on a regu...

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Top Mortgage Insurance Companies

Mortgage insurance, also known as private mortgage insurance or PMI, is a type of insurance that is required on all residential mortgages with a loan-to-value above 80%. Mortgage insurance protects the lender in cases where homeowners default – it does not protect the homeowner if they start missing monthly payments on their mortgage! Just as...

Mortgage insurance, also known as private mortgage insurance...

Top 10 Homeowners Insurance CompaniesPost

Top 10 Homeowners Insurance Companies

In 2017 (the latest year for which data is available), State Farm was the top homeowner’s insurance company, based on direct insurance premium written, per NAIC data. The well-known company, which is also the leading auto insurance company, wrote $17.6 billion in homeowner’s insurance throughout the year while claiming a staggering 18.6% of total market share. Allstate was a distant...

In 2017 (the latest year for which data is available), State...

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Top Homeowners Insurance Companies in Texas

If you own property, you’re going to need a homeowners insurance policy. Whatever you call it, dwelling coverage, personal property insurance – it boils down to a homeowners policy being absolutely necessary. Needless to say, most homeowners are going to be preoccupied with insurance costs and what types of coverage they’re going to need. Below...

If you own property, you’re going to need a homeowners...

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How are homeowners insurance rates determined?

Insurance Q&A: “How are homeowner’s insurance rates determined?” One would likely guess would be that the answer is similar to how car insurance rates are determined. And you’d be partially correct.  Homeowner’s insurance rates, similar to auto insurance rates, are now subject to our individual insurance scores (for most insurance companies). But don’t fret; if...

Insurance Q&A: “How are homeowner’s insuranc...

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Homeowners Insurance Liability Coverage

First and foremost, it is important to understand how to read a homeowner’s insurance policy in order to understand what general types are available to you. It’s easy to just choose a policy that seems to give you what you need. The problem is many homeowners find out when it’s too late that the policy...

First and foremost, it is important to understand how to rea...

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How Much Homeowner’s Insurance Do I Need?

Homeowner’s Insurance Q&A: “How much homeowner’s insurance do I need?” Most of us know that homeowner’s insurance is mandatory if you have a mortgage, but very few know how much coverage is actually needed? You don’t want to be “under-covered” in the sense that you don’t have any extra coverage, but at the same time...

Homeowner’s Insurance Q&A: “How much homeowner’s i...

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Personal Articles Insurance

The typical homeowner’s insurance policy provides coverage for your personal belongings. This includes items such as electronics, clothing, and furniture, up to a specified percentage of the coverage amount for your dwelling. There are also “sub limits” of coverage for “special” items such as valuable jewelry, fur coats, and silverware. These are predetermined amounts, normally...

The typical homeowner’s insurance policy provides coverage...

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Chinese Drywall Insurance Coverage

The “Chinese drywall” problem is just starting to snowball. According to Independent Agent Magazine, “the property loss from Chinese drywall could exceed every U.S. hurricane except Katrina (2005) and Andrew (1992).” How much is that? The expected property loss settlements could top $20 to $30 billion dollars. An estimated 500 million pounds of tainted drywall...

The “Chinese drywall” problem is just starting to snowba...

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