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Home Insurance to Value Ratio ExplainedPost

Home Insurance to Value Ratio Explained

The insurance to cost ratio needs to be evaluated every time your make changes to the home or purchase a new piece of equipment. The insurance company has no way of keeping your coverage complete without you letting them know when more or less coverage is required. For instance, if you add a room on your home, the insurance policy needs to be updated to reflect the new value. If it is not updated and your house burns down, you may lose the entire value of the addition with no way to recoup the loss.

The insurance to cost ratio needs to be evaluated every time...

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Homeowners Preparedness Guide for Disasters and Emergencies

In an emergency, the last thing you want to think about is how to prepare, you want to be prepared already, to have a plan in place, and to be ready to make sure you and your family are safe, no matter the emergency. That’s why it’s crucial to plan for emergencies as a homeowner.

In an emergency, the last thing you want to think about is h...

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Home Fire Safety for People with Disabilities or Impairments

Fires in the home can be potentially dangerous and deadly for anyone in the building. People with disabilities and impairments face additional challenges, as they may have a more difficult time identifying or escaping a fire. Planning and being prepared, with disabilities and impairments in mind, can help to improve the safety and survival of everyone in your home.

Fires in the home can be potentially dangerous and deadly fo...

Homeowners Insurance After a Major Renovation or AlterationPost

Homeowners Insurance After a Major Renovation or Alteration

If you are planning to make changes to your home or undergo renovations, it is important that you also keep your home insurance in mind. Notify the insurance company ahead of time that you plan to make changes, and how they will affect home's value. By conforming to the requests of the insurance company, you can eliminate the possibility of having a future claim denied.

If you are planning to make changes to your home or undergo ...

Homeowners Insurance-to-Value Ratio ExplainedPost

Homeowners Insurance-to-Value Ratio Explained

The insurance-to-value ratio is a way to calculate whether or not a home is properly insured. It is the ratio of the amount of insurance coverage you have on your home compared to replacement cost of your home. The reason this is important is two-fold: if the ratio is too high, you are probably spending more than you need to on your home insurance, and if the ratio is too low you could be faced with huge out of pocket expenses if you suffer a loss, even one that damages but does not destroy the home.

The insurance-to-value ratio is a way to calculate whether o...

Documenting Damage for Homeowners Insurance ClaimsPost

Documenting Damage for Homeowners Insurance Claims

If you have to file a claim on your homeowners insurance policy, it will help you considerably if you provide enough documentation to back up your claim. Documenting the damage for your home insurance company includes having multiple estimates, providing receipts and other proof of ownership, showing the insurance company that the damaged items were in your home inventory, and documenting the total amount you claim for loss of use.

If you have to file a claim on your homeowners insurance pol...

How to Take a Home Inventory – An Easy to Follow ChecklistPost

How to Take a Home Inventory – An Easy to Follow Checklist

Your home inventory is your best chance to regain losses of your personal property if something happens to your home. But in order for the home inventory to benefit you, it must be kept up to date and include everything you want to protect. When you complete the home inventory, make a copy and send it to the insurance company, but retain the other company for your own use.

Your home inventory is your best chance to regain losses of ...

Home Fire Safety Guides and Educational ResourcesPost

Home Fire Safety Guides and Educational Resources

Although home fires have decreased drastically over the last thirty-five years, they still happen frequently. In fact, over 369,000 home fires occur in the United States each year, resulting in $6.8 billion worth of damage. Many of these fires are preventable, but some are not. Learn about the steps you can take to keep your family safe in the event of a fire, because when it comes to home fires, preparation can mean the difference in life and death.

Although home fires have decreased drastically over the last...

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