Homeowners Insurance

RECENT NEWS
Motley Fool  Sep 13  Comment 
Your purchase decisions can come back to bite you at claim time.
Insurance Journal  Sep 11  Comment 
As Florida seeks to revive its private home insurance market after almost a decade without a hurricane, homeowners are pouring $6 billion a year in premiums into a new generation of small, in-state insurance companies with an unproven record of...
USAToday.com  Sep 7  Comment 
Four hurricanes in 2004 caused more than $45 billion in estimated property damage.
SeekingAlpha  Sep 2  Comment 
By Joseph Duncan: Overview Federated National Holding Company (NASDAQ:FNHC) is a personal residential homeowners insurer operating primarily in Florida. Florida accounts for 96% of its revenues. As of 3/31/2014 its market share in Florida was...
New York Times  Aug 29  Comment 
Homeowner’s policies generally do not include protection against damage caused by earthquakes, and the risk extends well beyond California.
Insurance Journal  Aug 14  Comment 
Homeowners with poor credit pay 91 percent more for homeowners’ insurance than people with excellent credit, according to a study by an online insurance shopping service. The report by insuranceQuotes.com also found that homeowners with median...
The Times of India  Aug 11  Comment 
Premiums in fire insurance are calculated on the value of the building. Currently, the rates being quoted at five paisa, per Rs 5,000. Suppose the current value of the building is Rs 10 lakh, the annual premium is just Rs 50.
Insurance Journal  Aug 4  Comment 
Homeowners in the Grand Chenier area will be paying less for fire insurance starting in August because of a higher rating awarded to the local fire district. The American Press reported the rating for Cameron Parish Fire District 9 was … The...
DailyFinance  Jul 31  Comment 
American Water Resources, a provider of Service Line Protection and In-Home Plumbing Emergency Programs, is offering Water Line and Sewer Line Protection to homeowners in New Hampshire. Until a homeowner experiences...




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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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