When does an insurance company consider my home vacant? 95% of homeowners do not understand what happens to their insurance on their home when their house becomes empty or unoccupied. Most people find out they do not have any coverage after submitting a claim because they failed to let their insurance agents know that their …
Your home insurance deductible is one of the easiest things to use to help control the cost of your homeowners insurance. When choosing a deductible, what you are really doing is telling the insurance company how you view insurance. What I mean by this, is the lower the deductible you pick, the insurance company knows …
How to choose a deductible for your homeowners insurance policy Read More »
Setting up a backyard swimming pool can make those hot summertime’s a lot more enjoyable and relaxing, however could it get you into a great deal of financial difficulty too? The short answer is: yes. If you’re not properly covered, and somebody gets hurt in your pool, you are welcoming claims. I understand what you’re …
Whether you are a home owner or a renter, having an up-to-date inventory of your belongings can be an invaluable resource, particularly for insurance purposes. The contents of your home are covered up to a certain limit by your homeowner’s policy. If you have a fire or burglary in your home, your insurance company will …
Your homeowners insurance is likely to be an HO-1, HO-2 or HO-3 form policy, otherwise known as the basic form, broad form or special form, regardless of the state in which you live. Each policy form is packaged with both property and liability protection among other coverages but the extent of the protection varies widely …
Comparison of Insurance: Special Vs. Basic Coverages Read More »
Homeowners Insurance Deductibles The deductible is the amount of money you have to write a check for before the insurance company will pay for damage to your home. For example, if you have a $1500 deductible and you file a claim for $10,000, the insurance company will pay $8500 for that claim. Types of Deductibles …
The HO-3 has been the standard homeowners insurance policy since the 1950s, and is adequate for most homeowners personal insurance needs. For older homes, it’s still an excellent choice. But today, there’s something much better, particularly for newer, well-maintained homes. It’s known generically as the HO-5 homeowners insurance policy. While the HO-5 is offered only …
NEWS RELEASE Local Independent Beacon Point Insurance Group Selected To Offer The Hartford’s AARP Homeowners Insurance Program o Beacon Point Insurance Group (Independence, MO 03/01/2012), already authorized to sell the popular AARP auto insurance program, can now bundle that auto policy with The Hartford’s AARP Homeowners Insurance Program o Beacon Point Insurance Group was chosen for demonstrating …
Three separate earthquakes shake Wichita area in Kansas Sunday morning. Three separate earthquakes were reported in Kansas this morning around the Wichita area. The United States Geological Survey measured a 3.4 magnitude quake just before 6:30 a.m. and a 3.5 magnitude quake just after 6:30 a.m. A third earthquake measuring at 3 on the Richter …
What is homeowners insurance in Kansas City? Home Insurance in Kansas City is very important, not only to protect you from the many types of possible losses but also to cover the living expenses in case of damage to your house. When looking for home insurance in Kansas City, there are some decisions that you …
How to choose the right home insurance deductible. One of the most common mistakes that we see people make is choosing the wrong deductible when buying home insurance. Every policy has a deductible and the choice that you make can drastically impact what you pay for your policy. What is a Homeowners Insurance Deductible So …
Why a higher deductible on homeowner’s insurance is almost always a good idea Read More »
Buyers are often tempted to cut corners on things like home inspections to save money for fun items like furniture or a big-screen television. Don’t! A home inspection is one of the best investments you can make when purchasing a new home or other real estate. Learn how to use a home inspection to your …
How a Home Inspection helps to Protects Your Assets Read More »
