Homeowners Insurance

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Emergency Room Insurance Coverage

If you’ve ever been to the emergency room at a major hospital, you probably swore never to return. Of course, when you’re seriously injured or ill and can’t visit your primary care physician or network preferred doctor (if dealing with a PPO), all bets are off. You’ll likely put up with the long wait in...

If you’ve ever been to the emergency room at a major h...

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Why is a wind deductible higher than a regular deductible?

A deductible (for property insurance) is the amount of money a policyholder is responsible for paying out of his or her own pocket in the event of a claim. Typically, personal lines policies (home and auto) have a flat rate deductible. You may see a $250, $500 or $1,000 deductible apply to any covered property loss...

A deductible (for property insurance) is the amount of mone...

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Hazard Insurance vs. Homeowners Insurance

So you’re finally ready to buy your dream home, or perhaps that dream investment property. Your credit has been checked, your down payment and assets have been meticulously reviewed, and your employment has been verified by the underwriter. It’s almost time to close on your loan, thank goodness! This is around the time when your...

So you’re finally ready to buy your dream home, or perhaps...

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What is a loss payee/lienholder?

Unless you can afford to purchase your home or car outright, you’ll need to obtain financing to pay for it (this includes leased vehicles as well). The Bank Is the Loss Payee or Lien holder The bank or financial institution that lent you the money is referred to as a “lien holder” or “loss payee” on...

Unless you can afford to purchase your home or car outright,...

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Is homeowners insurance included in the mortgage?

Insurance Q&A: “Is homeowners insurance included in the mortgage?” In order to answer this question, it’s important to point out the difference between mortgage insurance and homeowners insurance. They may sound like two ways to say the same thing, but they serve completely different functions. One is required on every loan while the other is...

Insurance Q&A: “Is homeowners insurance included in th...

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Who is covered under homeowners insurance?

So you’ve got homeowners insurance, and now you’re probably wondering who or what is actually covered? Good question, and the answer is probably more people than you would think. A homeowners insurance policy can be thought of as insurance for you and your home, as it insures your home against property damage, and you and your...

So you’ve got homeowners insurance, and now you’re proba...

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How to Read a Homeowners Insurance Policy

Admit it.  You’ve probably never read your homeowners insurance policy.  It happens all the time. Homeowners assume their insurance agent has them covered. It’s their job to take care of you and make sure you have the right insurance. Unfortunately, many policies are designed with a template. So every insured gets the same basic policy...

Admit it.  You’ve probably never read your homeowners ins...

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Is Flood Insurance Mandatory?

Are you required to have flood insurance? To many people, it may seem like one more bill they have to pay for no reason. Especially if you live in a higher level condo, you may wonder why. The good news for many condo owners is your master policy generally includes basic flood coverage. There are...

Are you required to have flood insurance? To many people, it...

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