Home Owner's Insurance A-Z Guide
Basics of Home Owners
An investment as important as your home needs to be protected in
many ways. Secure your investment with Home Owner's Insurance. Learn what
is covered by a basic policy and what needs to be included on a case
by case basis.
Categories of Coverage
Personal injury or property damage caused by you, accidents which
occur on or off of your property, automobile accidents, claims such
as slander or libel and legal costs can all be covered. Not having
full coverage is tantamount to having no coverage at all.
Personal liability litigation has become an industry unto itself.
If you are unfortunate enough to end up in court a good insurance
policy can help if you are found at fault. Do not lose your investments
because you were not prepared for the worst.
Buying an Umbrella Policy
In today's world of liability lawsuits, that can total in the millions,
your basic homeowner's insurance will not fully protect you most of the
time. Understand the limits of your policy and what you need to do
to prepare for the worst. An Umbrella Policy can protect you from
a deluge of liability.
Covering Living Expenses
If you have an occurrence, such as fire or other damage, that forces
you from your home, secure your family and offset the living expenses
incurred with the proper insurance coverage. Extensive damage that
results in time consuming repairs or relocation can become very costly
and disruptive to your life. Proper coverage can ease the sting and
trauma of disaster.
Floods and Other Disasters
"Acts of God" and the forces of nature wreak havoc across
America every day. Learn what is covered by insurance, what is not
and how to prepare for such an eventuality. Understand that if you
live in a flood free zone you could be entitled to a reduction of
your monthly premium.
A one-time payment for insurance that protects you against title
defects, liens and encumbrances, that can result in damages to you,
are all covered by Title Insurance policies. Find out why it is a
required part or the process when purchasing property. Get yourself
out from behind the 8-ball, protect yourself form negligence and oversight
and secure your investment in one easy step.
Tips on Saving Money on Home Owners Insurance
Not all properties are alike, so each home owner needs to understand
what aspects of insuring pertain to them and their property. Using
one carrier, for all your family's insurance needs, is the most basic
way to cut your premiums. Discover others and save cash for other