Home Insurance

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Protect Your Hearth and Home ... for Less

Homeowners: By the time you've haggled over the price of a new home and endured the financial strip search that is part of getting a mortgage, you may be inclined to go the easy route when it comes to homeowners insurance. That is, you may just leave it up to your friendly insurance agent to find you the best deal. Bad idea — at least if you want to save money. While an agent may be a valuable resource, shopping around on your own can save you big bucks off your premium — as much as 50%. The reason is simple: By doing your own legwork you eliminate the middleman and his fat commissions. Independent...

Insurance Expert on January 26, 2010 0

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Who Needs Builders Risk Insurance

Homeowners: In most neighborhoods, an announcement is posted to inform everyone that a new housing development is being built. Once the construction of the houses begin, builder's risk insurance takes effect. If you have friends or family that are excited because a much needed room is being added to their existing house, builder's risk insurance should be purchased prior to the renovations. The situations above are just a few indicators regarding the need for risk insurance. Most people are familiar with homeowners, auto, boat, RV, fire, flood or pet insurance. Builder's risk insurance is one of the mo...

Insurance Expert on December 21, 2009 0

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The Risks of Faking a Home Insurance Claim

Homeowners: The risks of faking a home insurance claim The recession has certainly taken its toll on the bulk of homeowners who have been left reeling by high mortgage rates, increased utility bills and the soaring cost of living. Many, it seems, have been left so desperate by the effects of the credit crunch that they are willing to forego their morals in a bid to make some cash - even if that means breaking the law. Research by a comparison website has revealed that one in 20 Brits would consider making a false claim on their home insurance. Of these, more than 1.2 million blame t...

Insurance Expert on December 19, 2009 0

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Insurer’s diabetes wellness program

Health: Health insurance giant UnitedHealthcare is tackling the escalating crisis in out-of-control health costs with a new approach to preventive care for those at risk or suffering from diabetes. United’s diabetes health plan is designed to help employer-sponsored health plans control the rising costs of insuring diabetic and pre-diabetic employees and their families while improving their health. Three major companies – General Electric, Hewlett-Packard and Affinia Group – are now working with United on a diabetes health plan pilot project, and all three have either renewed or expanded thei...

Insurance Expert on November 25, 2009 0

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Home Owner Insurance

Homeowners: Home insurance, also commonly called hazard insurance or homeowners insurance (often abbreviated in the real estate industry as HOI), is the type of property insurance that covers private homes. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of its use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home. It requires that ...

Insurance Expert on November 9, 2009 0

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With HO5 Insurance, You're In Charge

Homeowners: With most home insurance, you are required to prove that your personal property claim happened due to one of the named perils listed on your policy. However, there are premium policies where the only way you won't get reimbursed for personal property damages is if the peril is specifically exempted from your policy. Perils Peril is "insurance speak" for specific dangers that could cause damage to your property. For instance, a burst pipe, fire, hurricanes or tornadoes are all perils. Named perils means the perils you are covered for that a...

Insurance Expert on November 9, 2009 0

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Insurance 101 For Renters

Insurance Insider: Even if you don't think you've got anything of great value, you probably do - more than you could comfortably afford to replace in the event of a bad burglary or a fire. No matter how careful you may be with your own apartment, you can't control your neighbors. They can leave your security gates open, buzz ill-intentioned strangers into your building, or fall asleep with a cigarette in hand and start a serious fire. While your landlord's insurance may cover the building itself, the insurance will not cover the contents of your apartment. Additionally, if a visitor to your apartment were to hav...

Insurance Expert on November 5, 2009 0

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Esurance-Quote, Save, Buy

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Best Insurance: Esurance offers all kinds of insurance products: Home insurance, Auto insurance, Renters insurance, Health insurance, Life insurance and Motorcycle Insurance Benefits Esurance provides to customers: Can manage their policies online at their convenience Can call 24/7 customer service center with any question Customers are well informed; due to online Learning Center that provides answers to frequently asked questions, glossary terms, an interactive auto ins...

InsuranceActs on August 5, 2009 0

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Insurance Policies You Need To Have

Insurance Insider: Here are some types of insurance policies everyone needs to consider of getting: Auto Insurance Each state requires different minimum limits of auto insurance, but in many cases it’s not enough to take care of expenses that occur when accidents happened. It’s very important to have coverage higher than a minimum state requirement. Everyone needs to pay a little more for comprehensive and collision coverage, unless the car is very old and costs very little money. Homeowner's Insurance Homeowner’s insurance covers the house and everything in it...

InsuranceActs on July 6, 2009 0

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Use Life Insurance To Pay Estate Taxes

Life: If a family’s estate is in the millions, more of that estate may go to the Federal Government in taxes than to beneficiaries. There is a way to control tax payments with life insurance. You need to have team of people that can assist you with financial and legal knowledge; all experienced in generational wealth transfers and its tax penalties. Accountants and lawyers can help you to manage the making of a financial plan for your immediate family, which includes retirement income for you and your spouse, considerations for the surviving spouse, and the orderly transfer...

InsuranceActs on June 26, 2009 0

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Homeowners Insurance, Protection You Must Have

Homeowners: Buying a home involves more than just making sure you have homeowner’s insurance coverage. If you've recently purchased a home, here are some types of insurance that may be impacted by your recent move. Homeowners insurance ...

InsuranceActs on May 19, 2009 0

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