Homeowners Insurance

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MarketWatch  Feb 3  Comment 
Here’s how homeowners insurance can keep your wallet from taking a hit when you host a Super Bowl party.
guardian.co.uk  Jan 24  Comment 
Ilford in east London has highest burglary rate in UK, says Moneysupermarket, after analysing insurance quotes. Where’s lowest? Northern Ireland Households in parts of Ilford, east London, suffer the worst rates of burglary in the UK, according...
Insurance Journal  Jan 23  Comment 
Ohioans pay among the lowest average premiums in the nation for auto and homeowners insurance according to a national study, according to Lieutenant Gov. Mary Taylor. Taylor also serves as the state’s insurance director. The National Association...
The Hindu Business Line  Jan 12  Comment 
Royal Sundaram General Insurance today said it has launched a home insurance policy whose offerings would benefit a wide range of customers. `Gruh Suraksha’ offers a suite of tailored offerings cater...
Insurance Journal  Jan 4  Comment 
Velocity Risk Underwriters has expanded its Florida home insurance products and is now writing coastal homeowners policies statewide. Velocity offers an A.M. Best “A” rated coastal homeowners program through Texas-based State National...
Insurance Journal  Dec 22  Comment 
Insurance startup Lemonade is eyeing a national expansion and has filed for licenses to operate in 46 states and the District of Columbia. The peer-to-peer insurer that is focused on renters and homeowners insurance is pursuing the broader...
Insurance Journal  Nov 17  Comment 
Rutgers Law School’s Camden, N.J., location, in collaboration with United Policyholders, is seeking to improve homeowners’ insurance nationally through its recently launched project. The Rutgers Center for Risk and Responsibility at Rutgers...
Insurance Journal  Nov 16  Comment 
Nashville, Tenn.-based Velocity Risk Underwriters announced it is offering coastal wind-only homeowners insurance policies for customers that may otherwise be insured in the Texas Windstorm Insurance Association (TWIA). Velocity’s homeowners...
Insurance Journal  Nov 10  Comment 
A federal judge said Bill Cosby’s homeowner’s insurance company must defend him against three civil defamation lawsuits in Massachusetts brought by several women who accused the once-beloved entertainer of sexual abuse. In a decision on...




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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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