Homeowners Insurance

RECENT NEWS
Insurance Journal  Feb 3  Comment 
Texas homeowners filed the fewest number of insurance complaints ever recorded with Texas regulators last year, the Insurance Council of Texas reported. It was the fifth year in a row that Texas homeowner complaints have gone down. There are more...
Insurance Journal  Jan 28  Comment 
The Association of British Insurers announced that the cost of home insurance has fallen over the last year according to its latest Average Quarterly Household Premium Tracker, which is based on information from ABI members, who cover 90 percent...
Insurance Journal  Jan 26  Comment 
A Connecticut state lawmaker is introducing legislation that would bar insurance companies from inquiring about or discriminating against a “bully breed” dog when issuing a homeowners’ insurance policy in Connecticut. Republican Rep. Brenda...
Insurance Journal  Jan 25  Comment 
Fargo, N.D’s acting mayor says the Federal Emergency Management Agency has moved to continue to allow homeowners to have basements in the city’s new floodplain. FEMA is responsible for the National Home Insurance Program and does not always...
Insurance Journal  Jan 23  Comment 
Florida-based Universal Insurance Holdings Inc. reported that the Indiana Department of Insurance has approved the homeowners insurance forms of its wholly-owned subsidiary, Universal Property & Casualty Insurance Co. (UPCIC), and that UPCIC has...
Insurance Journal  Jan 13  Comment 
The North Carolina Rate Bureau has filed for mobile homeowners insurance rate changes with the North Carolina Department of Insurance (NCDOI). The N.C. Rate Bureau has requested an average statewide decrease of 0.8 percent for the MH(C) form and...
Insurance Journal  Jan 12  Comment 
London-based RSA announced its appointment as the sole underwriter for Cavere Home insurance products which will be available to brokers from January 2015 via Cavere’s Magenta platform, which provides online quotes and applications for...
guardian.co.uk  Jan 10  Comment 
Co-op, the ‘ethical’ bank, repays loyalty with premiums which are £128 more than those quoted for new customers Co-op, despite its many travails, is still the “ethical” bank. So how can it explain the lousy way it treats its loyal home...
Insurance Journal  Dec 22  Comment 
A woman who had part of her lower lip bitten off by a dog she was watching for friends has no right to seek payment of medical expenses from the owners’ home insurance company, the Nebraska Supreme Court ruled on … The article Nebraska...
Insurance Journal  Dec 22  Comment 
North Carolina insurance companies that wanted to raise the cost of homeowners coverage by an average of roughly 25 percent were told Friday the state’s regulator is instead approving a zero overall change. Insurance Commissioner Wayne Goodwin...




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Understanding Homeowners Insurance

Property Protection

  • Dwelling usually covers the house, any attached structures, house fixtures, plumbing, heating, in-built air conditioning systems and electrical wiring.
  • Other Structures, other than those used for business purposes, covers detached structures like garages, storage sheds and land fixtures.
  • Personal Property covers all personal items in your home that are owned by you or family members who live with you. Protection for these items depends on actual cash value or replacement cost.
  • Loss of Use covers expenses in excess of your normal living expenses should you be forced to live anywhere other than your home during repairs or a government injunction.
  • Endorsements can be added to your homeowners insurance policy at an additional cost to provide extra protection against occurences like theft, inflation, credit card forgery etc.

Liability Protection

  • Personal Liability protects you and family members that live with you from a claim or lawsuit arising from bodily injury or property damage to others caused by an accident on your property. It generally does not provide protection for vehicle- and business-related incidents.
  • Medical Expenses, as the name indicates, pays the medical expenses for individuals who are accidently injured on your property, regardless of who is at fault for the injuries. It does not cover injuries to you or family members that live with you.
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