Homeowners need homeowner insurance since lenders require this when you finance your home. Although as homeowners we assume we can do almost anything in our house or backyard, that’s not always the case. While one of the benefits of owning a home and with kids involves backyard fun, your insurance requirements may limit your choice … Read More
What Homeowner Insurance Do You Have?
When you buy a house, if you don’t put at least 20% down, you have to pay for private mortgage insurance or PMI. When you get a FHA (Federal Housing Administration) loan, you get your insurance from the government (get more details about FHA mortgage insurance). With VA (Veterans Affairs) loans and RHS (Rural Housing Service) … Read More
Springtime and summer mean it’s time to head outdoors. But does your insurance policy need attention first? One of the best homeowner insurance tips is to protect your home before it needs it, and that requires an insurance checkup. A typical homeowner insurance policy may not cover everything you think it should. And the last … Read More
Home insurance is something we scramble to buy before we close on a new house. But how much do you really know about your home insurance? You might buy the minimum required by your mortgage company or follow the recommendations of your insurance agent. Rarely do we sit down and consider what type of coverage … Read More
Flood insurance makes sense once you realize that floods are the #1 natural disaster in the US. Most people focus on the flooding caused by … the latest hurricane. While hurricanes dominate the news, there are lots of other reasons why your home might get flooded. We’ll review these as most homeowners focus on saving … Read More
Homeowners expect their home insurance to cover any type of accident but that’s no longer true. Each year it seems like there are more exclusions, and then for some things you have to buy an extra rider. Even more confusing is when you have work done by a contractor. When there’s an accident while the … Read More