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PostHome 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 accur...
PostThe 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 ...
PostIf 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 mak...
PostThe 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 ...
PostSevere 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 re...
PostTropical 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 s...
PostEven 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 ...
PostYou may not realize it, but your credit score has a definite impact on what your home insurance rates will be. Even worse, if you have an extremely low credit score the cost of insurance may be too hi...
PostSince 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 includ...
PostIf 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...
PostWhether 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 i...
PostMany people love the quaint architectural details that come with older homes. Stained glass windows, wide hardwood floor boards, and other period touches lend a certain something that you just can...
PostYour 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...
PostContents 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 p...
PostWhen shopping for a new home, you might not consider the ways that some of the factors that most attract you to a particular home are also the ones that can drive your homeowners' insurance premiu...
PostAlthough 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 b...
PostIf 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 i...
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