Insurance Articles

Buying homeowners insurance can be simple when you put a few fundamentals in place and it is always a good idea to seek professional help. Before we get into how to buy home insurance, if you need immediate assistance and would like to look into a new home insurance policy in California, please give us

The cost of homeowners insurance rates can vary. There are a lot of factors that influence the price of your home insurance premiums.  A study done in 2020 shows that the average cost of homeowners insurance is roughly $1,500 annually. This is based off a dwelling coverage amount of $250,000.  From state to state home

Home insurance is a policy designed to protect you and your home against damages, injury and legal fees. Homeowners insurance typically will cover your belongings within the home as well. Most home insurance policies will combine two types of coverage; Coverage to protect your home in the event it is destroyed or damaged by covered

Your homeowners insurance policy is in place to provide financial protection for your home and your personal belongings within the home. In this article we will learn some of the basics in terms of what is covered by your homeowners insurance policy.  Homeowners insurance policies usually cover; Dwelling protection;  One of the more common basic

Filing a home insurance claim can be a traumatic event depending on the circumstances. Knowing how to take care of one on a step by step basis can hopefully help you to get through it easier. In this article we go through an 8 step approach to filing and completing your homeowners insurance claim.  Depending

Usually if you hear the term hazard insurance for your home, you can safely assume they are talking about a typical homeowners insurance policy. Hazard insurance is homeowners insurance. Hazard insurance most of the time refers to a specific section of the homeowners insurance policy that protects the home from perils that should be covered

When it comes to home inspections for homeowners insurance there are typically two primary purposes. The first is to appraise your home’s replacement cost and the second is to identify any existing risks that may be an issue in the future.  In this article we go over different things an inspector might look for during

Loss of use is a type of home insurance coverage designed to reimburse you for any additional living expenses that come up when you’re in the process of rebuilding or repairing your home. If it’s a rental home, you may even be reimbursed for rental income lost. Most of which would have to come from

Before you switch your homeowners insurance policy. You’ll want to contact your mortgage company to let them know about the change. This will help with the transition of your policy. Beyond homeowners insurance being tied to an escrow account, it’s pretty easy to switch policies. You may find a discount you didn’t know about after

When you’re looking for a home a question on your mind might be, do I even need homeowners insurance and when should I get covered if it’s a necessity? There’s not exactly a law in place that requires you to carry homeowners insurance, but if you’re looking to finance your home through a mortgage lender