Considerations for Renters Insurance

What to think about when securing renters insurance. If you are living in a rented space, then you need the protection offered by renters insurance.  This is because your renters insurance will protect your belongings and personal liability—things that your landlord is not obligated to protect.  Before you shop for the right renters insurance policy, here are some of the things to think about. Should you secure actual cash value or replacement cost coverage? Actual cash value refers to Read More

Protect Your Home with Specialty Earthquake Insurance

California homeowners need earthquake coverage. If you reside in California, then you know that the threat of a major earthquake is always looming overhead.  Unfortunately, your standard homeowners insurance will not provide coverage for your property or belongings in the event of a quake.   This is where specialty earthquake insurance comes in.  Here's what you need to know about this important form of home coverage. What is Earthquake Insurance? Earthquake insurance offers coverage for Read More

Understanding Home Insurance Premium Increases

Why your home insurance rates have gone up at renewal. If you are approaching the renewal period for your homeowners insurance policy, then your agent will send out a report documenting your current coverage and expected premium changes.  If your rates are increasing, you may be confused.  While you should always speak to your insurance provider to ensure that rate increases are not a mistake, there are some legitimate reasons why premiums increase at renewal time.  Here are some of the factors Read More

How to Reduce Home Insurance Costs This Winter

Try out these suggestions to avoid home insurance claims this winter. During the winter months, conditions make property damage, and certain types of liability claims more common.  If you do not want to file expensive home insurance claims this season, then it's important to prevent household risks.  Take these steps to keep your home insurance costs down this winter. Fires During the holiday season, many homeowners light up candles or get a fire going in their fireplaces to create a Read More

Why You Need to Make Your Home Inventory

How home inventories help with your homeowners insurance. As a homeowner, you know that one of the things you have to do is create and update your home inventory.  However, why is this tedious task so important?  Here's how having a home inventory helps you with your homeowners insurance. Why You Need a Home Inventory A home inventory is a list of all the items that you own.  Your inventory also includes important information on each item, such as photos, a written description, proof of Read More

Unexpected Home Security Tips to Employ

Try out these suggestions to prepare your home. As a homeowner, keeping your home safe from burglars should be a major priority.  While you already know to keep your windows and doors locked and home security system engaged, there are other, more unexpected ways to secure your home as well.  Here are some of the tips you can try to protect your home. Keep a Set of Car Keys by Your Bed If you have a spare car key, consider keeping it on your bedside table.  This way, if you hear a Read More

What Does Your Home Insurance Cover When It Comes to Disasters?

Protect your home from natural disasters. As a homeowner, natural disasters are an unavoidable risk.  This is why it's so important to have the right home insurance to rely on.  Unfortunately, many homeowners are not sure exactly what their policy covers when it comes to natural disasters.  To help you out, here's how your policy can protect you. Hurricane Coverage If your home is in the path of a hurricane or tropical storm, then your home may sustain damage from high winds, heavy Read More