Homeowners Insurance

Insurance Journal  Sep 27  Comment 
Universal Direct, a direct-to-consumer online platform for Universal Property & Casualty Insurance Co. homeowners insurance, is now available  in Florida, Hawaii and North Carolina. With these additions, the direct business model is now available...
TechCrunch  Sep 22  Comment 
Apple might buy McLaren, YouTube implements a new site moderation platform, Netflix to triple the amount of original content that it produces, Lemonade wants to change the way people get renters and homeowners insurance, Chan Zuckerberg Initiative...
MarketWatch  Sep 8  Comment 
You may be surprised at what you’re on the hook for
Insurance Journal  Aug 18  Comment 
Too few Americans take steps to prepare for disasters and too many assume their home insurance policies will bail them out if one strikes. As disaster season peaks, a new national consumer survey commissioned by Trusted Choice and the Independent …
Insurance Journal  Aug 3  Comment 
Consumer Watchdog filed a petition in California challenging State Farm’s proposed rates for its homeowners insurance and wants the insurers to cut its rates by as much as 40 percent. The Santa Monica, Calif.-based consumer group said insurer...
Insurance Journal  Jul 13  Comment 
After review by the Florida Office of Insurance Regulation (OIR) and much criticism from Florida stakeholders, Florida-based Heritage Property & Casualty Company has withdrawn its request for an overall 14.9 percent increase of homeowners...
The Hindu Business Line  Jul 3  Comment 
Tech-based solution to roll out this year, says CEO Roopam Asthana
The Economist  Jul 1  Comment 
THE principle of “moral hazard” is well known to economists. It refers to the idea that people act differently when they are not fully exposed to an action's costs. (An often cited example is that people with good house insurance will be more...
Motley Fool  Jun 18  Comment 
If you own your own home, see whether any of these tax deductions can save you hundreds -- or perhaps thousands -- of dollars.
Insurance Journal  Jun 17  Comment 
Florida-based homeowners insurance provider, Security First Insurance Co., has promoted Melissa Burt DeVriese to chief administrative officer. DeVriese will also retain her title of general counsel. With this promotion, DeVriese is responsible for...


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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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