Types of Home Insurance Coverage

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Mobile Home Insurance Guide and Coverage Options

Many people are under the impression that home insurance covers any type of home. It isn't until they go to purchase a policy for their mobile home that they find out they aren't eligible for a standard homeowner's policy. Luckily, there is a specialized policy that covers all of the features and needs unique to mobile and manufactured homes. These policies even offer certain coverages designed just for mobile homes that aren't available to other types of property owners.

Many people are under the impression that home insurance cov...

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Do you need gun liability insurance?

While legal gun ownership is a right, it still comes with a genuine degree of risk and responsibility. Let’s break down firearm injuries and gun deaths by the numbers. Each year, 500 people die from unintentional firearm injuries. That’s more than a person a day. Americans are four times more likely to die from an...

While legal gun ownership is a right, it still comes with a ...

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What a Typical Homeowners Insurance Policy Covers

If you own a house, it almost goes without saying that you have homeowner's insurance. There are some ambiguities about what is covered on homeowner's policies. In a nutshell, most homeowner's insurance policies cover costs for damage cause to or by your home. Since there are some differences in each policy, it is a good idea to review yours and determine what your coverage entails. You don't want to be in a situation where something happens to your house and you don't have the right kind or adequate coverage for the situation.

If you own a house, it almost goes without saying that you h...

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Actual Cash Value Home Insurance

Home insurance claims may be paid in one of two ways, actual cash value or full replacement cost. Of the two, actual cash value has the lowest premiums, but full replacement cost provides a more accurate settlement. To give you an idea of why actual cash value insurance costs less, it might help to explain what this type of insurance settlement means and why it is set up the way it is.

Home insurance claims may be paid in one of two ways, actual...

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Replacement Cost Coverage Home Insurance

The two ways that an insurance policy can be written for payouts is for actual cash value and replacement cost. Actual cash value pays out a depreciated amount that takes the age and condition of the insured item into account, while full replacement cost will pay to repair or replace the item no matter what condition or age it is.

The two ways that an insurance policy can be written for pay...

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Thunderstorm & Severe Weather Insurance for Homeowners

Severe weather, including lightning, high winds and strong rains are common throughout the country. Most standard home insurance policies this type of storm, but there are exceptions, and it is the responsibility of the homeowner to make sure that their policy covers all of the perils which might be faced by their home.

Severe weather, including lightning, high winds and strong r...

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Tropical Storm Insurance for Homeowners

Tropical storms are common in the southeast, and have been known to strike as far north as Maine and inland as far as Illinois. In most places, the storm is limited to the status of any other severe storm, and a standard home insurance policy will cover most damages, but the occasional strong tropical storm has the potential to bring severe flooding with it, and that is an area where the average homeowners policy will leave you without any recourse.

Tropical storms are common in the southeast, and have been k...

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Does homeowners insurance cover stolen cash?

Even though a home insurance policy includes personal property, do not rely on your home insurance to replace cash that was stolen in a robbery or burglary. It is not so much a question of having the coverage; it is a question of being able to proof the possession of the cash before it was stolen.

Even though a home insurance policy includes personal proper...

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Riot, Terrorism and Civil Disorder Insurance

Since the incident on 9/11, terrorism and civil unrest have become important considerations for homeowners, especially in dense population centers. And since most home insurance policies do not include riots, terrorism or civil disorder by default, it is up to each homeowner to determine if they need such coverage and to purchase it separately.

Since the incident on 9/11, terrorism and civil unrest have ...

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Home Insurance for a Townhouse

Whether you want to call it a town house, town home, row house, brownstone or other name, the insurance it requires is just as much as any other living space would. Those who make the choice to live in a townhouse have basically compromised between apartment living and living in a house. It is a cozy living for many and a great way to not have to select one or the other permanently. It is basically a compromise that works out well, particularly for small families or single individuals.

Whether you want to call it a town house, town home, row hou...

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Contents Insurance

Contents insurance is the type of coverage necessary to protect your personal property against many types of damage as well as theft and vandalism. This type is more commonly referred to as personal property insurance in the United States, while it is known as contents insurance in other English speaking countries. Most standard homeowner's policies include coverage for the contents of the home, but the limits tend to be only a small percentage of the policy value.

Contents insurance is the type of coverage necessary to prot...

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Co-op Insurance – Your Guide to Getting Home Insurance for Your Apartment

If you live in many parts of rural or suburban America, you may never have heard of cooperative housing, sometimes also known as a co-op apartment. While this type of housing arrangement is becoming increasingly popular lately, co-ops have been around for the last several decades in areas like Washington, D.C. and New York City. In cities with a high cost of living such as these, co-ops have been helping people purchase homes where they might not otherwise be able to afford one.

If you live in many parts of rural or suburban America, you ...

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