Homeowners Insurance

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Insurance Journal  Jun 23  Comment 
People with disabilities shouldn’t be turned down for homeowners insurance just because they have pit bulls for service dogs, a federal court lawsuit filed in Oregon says. Undercover testers who told an insurance company they had disabilities...
Forbes  Jun 17  Comment 
Nest has been relatively quiet since January 2014 when it was acquired by Google for $3.2 billion in cash. But Wednesday, the Palo Alto-based maker of smart gadgets, best known for its so-called "learning thermostat," held its first press...
Insurance Journal  Jun 3  Comment 
Universal Insurance Holdings Inc. announced that the Pennsylvania Insurance Department has approved the homeowners insurance rates and forms of its wholly-owned subsidiary, Universal Property & Casualty Insurance Company (UPCIC), and that UPCIC...
Insurance Journal  Jun 2  Comment 
The Hartford and Major League Baseball (MLB) have agreed to a deal that will make The Hartford an “Official Sponsor of Major League Baseball” and the exclusive business insurance, homeowners insurance and employee benefits partner of MLB. The...
New York Times  May 29  Comment 
An analysis done for the online site insuranceQuotes.com found that the numerous variations on deductibles can be traced in part to the differences in state laws.
CNNMoney.com  May 29  Comment 
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CNNMoney.com  May 29  Comment 
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CNNMoney.com  May 29  Comment 
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MarketWatch  May 28  Comment 
Making one simple move — raising your homeowner’s insurance deductible — could yield hundreds of dollars a year in savings each year for residents of certain states.
Insurance Journal  May 15  Comment 
Max, Bella and their canine comrades cause more than one-third of all home insurance claims, adding $530 million a year to insurance costs. And while the number of claims is down, the cost of the average claim from dog bites … The article When...




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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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