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Category: Options

Floods and your Home

1 July, 2008 (03:36) | Expanded Coverage, Options | By: Avatar

If your house is located near proximity to a sizeable body of water, chances are that you might be required by the state to get flood protection insurance. Though floods are not covered by standard home insurance offers, it is offered to areas which are known to have experienced floods. Chances are that same people [...]

The Standard HomeOwners Policy - What is covered (Part 1 )

1 June, 2008 (21:03) | Basic Insurance, Options | By: Avatar

Homeowners Policy is the most basic form of home insurance and it covers four areas. The House Structure itself, all your belongings within that house, Liability protection and coverage for additional living expenses when something forbids you from living in your home. The first coverage area means that the insurance company would pay for the [...]

The DIY Life is Risky

24 May, 2008 (07:08) | Basic Insurance, Options | By: Robert

Going DIY (Do It Yourself) does have its benefits: no more labor expenses for contractors, more control on how you want it to look, etc. However, it does have its problems: you may fail to get home insurance because what you installed may not conform with standards, if you fail to finish your project, it [...]

Insure Yourself Before Going on Vacation

23 May, 2008 (07:04) | Basic Insurance, Options | By: Robert

A nightmare situation would be that after a lengthy and enjoyable vacation, you go back to the house and see it unlocked and in disarray. You search for your jewels and valuable gadgets and find them missing. This is an unfortunate situation that happens to a lot of people when they go on vacation.
According to [...]

Consider the House History

14 May, 2008 (07:00) | Basic Insurance, Options | By: Robert

Buying a house can be a better alternative than constructing one from the ground up because it saves you more time. However, you need to take a closer look at the house’s history before you buy it, because if the previous home owner had a lot of “bad history” with the home insurance people, [...]

Home Contents Insurance (Part 3)

25 March, 2008 (03:28) | Basic Insurance, Expanded Coverage, Options | By: Avatar

Check out the required protection levels from your local officials and insurance, the better the security system the more discounts you can get from insurance. When leaving your house for sometime for they have set limits as to how long a house can be left unattended and still be covered. Always review you policy when [...]

Home Contents Insurance (Part 2)

21 March, 2008 (03:27) | Basic Insurance, Expanded Coverage, Options | By: Avatar

Flooding, earthquakes are some factors that can make your insurance decline in value or have the premiums increase due to the higher risks involved. As your children get older and they move out of the house to go to university for further studies, check with your insurance if they will be covering their possessions as [...]

Home Contents Insurance (Part 1)

17 March, 2008 (03:25) | Basic Insurance, Expanded Coverage, Options | By: Avatar

As with the many other add-ons you opt to get that brings you closer to becoming a full time paranoid homeowner, the contents of your home can be insured separately if they are not covered by your standard home insurance. There are several things to consider in selecting home contents insurance which can make or [...]

Adjustments to your policy

29 February, 2008 (15:06) | Basic Insurance, Expanded Coverage, Options | By: Avatar

As said before, any improvement or addition to your insured home must be reflected in your policy. If not, damage to that specific improvement may not be covered and could cost you a lot in repairs should they be damaged. It is best to inform them of any improvement projects before they are done so [...]

Premiums How much should they cost?

5 February, 2008 (03:37) | Basic Insurance, Expanded Coverage, Options | By: Avatar

Home insurance premiums are typically equal to the total value of the house when it was purchased when you sum them all up. They are however not fixed but generally go for at least $100,000 US. There are certain deductibles that can be deducted as discounts say damage from a leaky roof and many [...]

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