Insurance Articles

More than likely if your mortgage company requests that you purchase hazard insurance they are referring to homeowners insurance. Before closing on a home many mortgage companies will require that you have homeowners insurance to finalize the paperwork. This is so that the lenders investment and your home is protected from certain hazards. Typically, homeowners […]

Homeowners insurance is much more than just a luxury. In most cases it can often be a requirement. No matter which way you look at it, home insurance protects one of our largest investments. Knowing more about insurance that protects such a big asset can come in handy. In this article we go over some

Home insurance can sometimes be unavoidable and a requirement if you have a mortgage on the home. In situations like these it can often be helpful to know a few key points before shopping for your next homeowners insurance policy. The amount you end up paying for your home insurance premium can vary. Each state

The personal liability insurance within your home insurance policy is coverage designed to provide protection incase someone is hurt or injured on your property. It can help pay for medical bills and legal fees that are the result of someone being hurt or injured within your home. As an example is someone falls within your

If you have a mortgage on the home and a mortgage lender is involved, more than likely you will need have homeowners insurance before closing on your new property. This requirement is set up between you and the mortgage company. Your lender usually wants you to carry enough homeowners insurance to cover all damages if

Buying a home is a big investment. For some of us it may be one the largest purchases we ever make. Which is one of the major reasons why having your home properly protected is so important. Often your mortgage lender may even require to carry homeowners insurance before closing on a property.  A homeowners

If you have a mortgage on your home, you more than likely need to have homeowners insurance. Knowing what can effect your home insurance premium can save you money and give you more peace of mind in knowing you’re getting a good rate. Homeowners insurance covers loss or damages to your home caused by a

How long is too long to file a home insurance claim? In most cases, it’s almost never too late to file a claim. That isn’t to say you should wait a few years before filing a claim for something that recently happened. It is very much recommended that you file a claim as soon as

As you may realize, the length of time to get home insurance can vary. It can be anywhere from a couple minutes to a couple of days. The application can sometimes take up to a few days to complete and from there you still may need a home inspection. Most insurers will require you to

When it comes to the amount of time it takes for your home insurance company to pay out a homeowners insurance claim can differ from state to state. For example in California most homeowners insurance companies are required to send out payment within 40 days from proof of the claim. Although, in Kansas there isn’t