Homeowners Insurance

Insurance Journal  Mar 23  Comment 
A bill that would require a homeowner’s insurance company to factor into the insurance premium the more resilient construction if the homeowner retrofits or builds a new home to certain specified standards has passed the Oklahoma House of...
Insurance Journal  Mar 16  Comment 
Pennsylvania Insurance Commissioner Teresa Miller is offering tips to consumers whose home or automobile may have sustained damage from this week’s winter storm, according to a press release issued by the Pennsylvania Department of Insurance....
Insurance Journal  Mar 14  Comment 
Those uppity insurtech startups might want to take note: About one of every 15 U.S. homeowners insurance policyholders files a claim each year and these claimants are now giving insurers their highest ever satisfaction ratings. The J.D. Power 2017...
Insurance Journal  Mar 14  Comment 
A request by Windsor-Mount Joy Mutual Insurance Company (WNMJ) to increase insurance rates on more than 2,000 manufactured housing policyholders in Delaware by 20%-30% has been denied by Delaware Insurance Commissioner Trinidad Navarro, according...
Insurance Journal  Mar 8  Comment 
A new report by the Rutgers Center for Risk and Responsibility at Rutgers Law School in Camden, N.J., in cooperation with United Policyholders, offers recommendations to state lawmakers in terms of how homeowners insurance claims are addressed by...
Insurance Journal  Mar 2  Comment 
Baldwin Risk Partners (BRP), a Tampa, Fla.-based insurance distribution holding company, has partenred with Affordable Home Insurance Inc. (AHI) a Miramar Beach, Fla.-based insurance agency. AHI offers insurance products to individuals and local...
Motley Fool  Feb 27  Comment 
How do you compare?
Insurance Journal  Feb 21  Comment 
Despite a half million hail claims resulting in a record $4 billion in insured losses last year, homeowner complaints to the Texas Department of Insurance (TDI) were the lowest number ever recorded, the Insurance Council of Texas (ICT) reports....
Insurance Journal  Feb 17  Comment 
Texas Speaker of the House Joe Straus has appointed Rep. Larry Phillips, District 62, as chair of the Texas House of Representatives Insurance Committee for the 85th session of the Texas Legislature. This position was previously held by Rep. John …
MarketWatch  Feb 3  Comment 
Here’s how homeowners insurance can keep your wallet from taking a hit when you host a Super Bowl party.


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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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