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Home Owners Renters & Insurance Article Category 

Articles about or concerning Home Owner Insurance, Renter's Insurance, Types of Coverage for Renters or Home Owners Insurance.
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Home Insurance - Do You Know Exactly What You Are Getting?

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 Chimerenka Odimba (September 21, 2008)  There are so many calls from insurers for you to take up a policy with them. It is supposed to be as simple as paying a premium and in the the event that something happens, you would be well taken care of. Do you just accept this and quickly pick up a policy? I hope not. Lets look at what you are looking for when getting a home insurance policy. Ideally, the insurance company take .. (Home Owners Renters)

Home Insurance - Loyalty Doesn't Always Pay

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 Chimerenka Odimba (September 20, 2008)  When you have stayed with an insurance company for a couple of years, it is normal to get a discount for your loyalty. Usually the loyalty discount increases as you stay longer. Do not however take it for granted that you have a great deal from the loyalty discount on your home insurance policy. With the level of competition going on amongst insurance companies you may be able to get a . (Home Owners Renters)

Home Insurance Benefit

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 Iyke Phelim (September 20, 2008)  Your house is not safe if left uninsured. Many things can occur which can displace you from your home. For instance natural disasters, destruction caused by fire and buglers. This incidence has destroyed so many homes and people don't get compensated because their houses are not properly insured. For an individual, shelter is the most essential need. And when you want to buy your .. (Home Owners Renters)

Home Insurance - What is a Basic Coverage?

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 Chimerenka Odimba (September 19, 2008)  Do you as a home owner take the time to really check what is covered in your home insurance policy and what is not? This is a very important thing to do so you don't assume that you are as covered as you would like to be. Lets look at basic home insurance and what would be covered with this type of policy. Basic home insurance would certainly cover basic hazards or perils such as .. (Home Owners Renters)

Home Insurance - Don't Make These Mistakes and Get Low Rates

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 Chimerenka Odimba (September 19, 2008)  In our bid to protect the investments we have in our homes, we sometimes rush into home insurance policies that have us paying practically through our nose. It is true that our homes are a major investment, but we should take the time to understand what we really need in a home policy before we take one. This would really save us a lot of cash. The first thing to look at is the value .. (Home Owners Renters)

Home Insurance Increased

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 Barry Loughran (September 18, 2008)  The recent floods in Britain have devastated thousands of people, destroying homes and leaving many homeless. The homeowners of the affected areas are going to be hit with even more bad news as the out of pocket insurance companies are planning to raise premiums by up to 10%. This will not affect everyone, generally people living in affected areas, mainly in the North East of England .. (Home Owners Renters)

Average Renter's Insurance

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 Amit Raju (September 18, 2008)  Most people have misconceptions about the Average Renter's Insurance policy. There are literally millions of renters in America, yet many have decided to forgo renter's insurance coverage based on faulty information that they have received. Misconceptions about the Average Renter's Insurance Policy The Average Renter's Insurance is just as valuable to a renter as homeowner's insurance .. (Home Owners Renters)

Home Insurance - A Sure Way to Lower Your Rates

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 Chimerenka Odimba (September 17, 2008)  With every insurance policy, there is something called a deductible. This what you have to pay before the insurance company can pay you anything when you claim. The simple rule is this, the higher your deductible, the lower your premium. In home insurance, the lowest deductible available with insurers seem to be $250. If this figure is doubled to $500, the insured can easily get a .. (Home Owners Renters)

Ensure You Insure

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 Jennifer Quirk (September 15, 2008)  With us all recovering from sun stroke and burnt skin (!) the summer months have come to a close, and the wind and wetness of autumn are pretty much already here. With devastating floods already hitting the United Kingdom we have heard all sorts of horror stories ranging from sludge and mud taking over living rooms and kitchens throughout the country to of dogs and children being sucked . (Home Owners Renters)

Important Tips For Homeowners and Fire Insurance Policy Holders - Know Your Insurance Rights!

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 Laura Sasaki (September 15, 2008)  September is a good time to review your homeowners and fire insurance policy for proper coverage. It is important to understand the type of benefits and the full extent of your insurance policy coverage before the devastating loss from a fire or other disaster. Homeowners pay premiums for home and fire insurance policies with the expectation that their losses from a fire will be paid .. (Home Owners Renters)

Home Owners - Renters Insurance - A Smart Buy

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 Madhuri Ghanshyam Udhwani (September 14, 2008)  Rushing through Home Insurance Process is not advisable. One of the reason why many people rush through the process of buying home insurance is to get to the fun task of buying furniture they require. But they should be alive to the fact that before rushing through the process, are they getting the coverage they really need? Smartly invested time in buying home insurance may will .. (Home Owners Renters)

What Really is Contents Insurance?

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 Liza Mathers (September 13, 2008)  A contents insurance policy covers everything you would take with you if you moved home. That usually includes furniture, household goods, food and drink, televisions, videos, computers, stereo equipment, clothing and valuables, usually up to a stated limit. Boats, caravans and motors are usually insured separately. A contents insurance policy pays if any of your home contents are lost . (Home Owners Renters)

Don't Let Home Insurance Ruin the Party

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 Honor Whiteman (September 12, 2008)  Throwing a children's birthday for your children may seem ideal in these summer months, yet a recent accident involving a bouncy castle lead to a million pound pay out means that people are learning to their detriment that cutting corners on your home insurance can prove to be very costly indeed. Statistics have shown that almost four in ten children hurt themselves on outdoor leisure .. (Home Owners Renters)

Covering Your Home and Belongings

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 Liza Mathers (September 10, 2008)  Home Insurance is often regarded as a necessary evil. It's there for your protection, though - and one day you may be very relieved you bought it! Home Insurance is a bit like a visit to the dentist - we know it's necessary, but it can seem rather costly in relation to the level of pleasure it provides. And for many of us, the idea of making a thorough inventory of our property has all .. (Home Owners Renters)

Understanding a Basic Homeowners Insurance Policy

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 Stan Jenkins (September 09, 2008)  Everyone would agree that buying a home is a major purchase. Even with the decline in the housing market in recent years buying a house is still quite expensive and the best way to protect that investment is with a good homeowners insurance policy. In fact, if the purchase of your house requires obtaining a loan, your lender will more than likely require that you carry at least basic .. (Home Owners Renters)

Flooding in Britain is an Increasing Problem

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 Sarah Maple (September 09, 2008)  There has been well documented and widespread flooding in England over the past few years. It all seemed to start with the surprise flooding of the Cornish village Boscastle as well reported in the news at the time. I live in Cornwall but had been staying at my fiancés house in Dublin at the time of the flood and was quite surprised to see my hometown engulfed by a raging river. . (Home Owners Renters)

4 Ways to Guarantee a Lower Insurance Costs

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 Chris Fensome (September 09, 2008)  This article will cover four of the main ways that you can guarantee a lower house insurance quote the next time it comes up for renewal. This article will highlight how these four small actions can save you major amount on your next house insurance quote. First and foremost before you even contact any insurance companies it is imperative that you take the time to compare house .. (Home Owners Renters)

Spilling Juice on Your Laptop is Just One Thing That Could Go Wrong in the World of Home Insurance

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 Sarah Maple (September 09, 2008)  Home insurance is something that all sensible people have but also something that most people rarely think about until they have to use it. What with the credit crunch and all I have been trying to save my pennies so I have been thinking about the cost of things that I would normally just take for granted. The first and last time I used home insurance was when I was back at university. . (Home Owners Renters)

Home Insurance in New York - Ways to Save Money

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 Justin Scott (September 09, 2008)  New York home insurance costs are going to affect homeowners differently depending on several factors. Here are some tips to help you find home owner insurance that's right for your situation, and find ways to save money. Where you live plays a big role in the rates that you pay. A homeowner in New York City is going to pay a different rate than one in Albany. Some of the reasons for .. (Home Owners Renters)

Homeowners Insurance - Finding the Best Rates

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 Drew Montgomery (September 09, 2008)  You just purchased a new home. One of the requirements for every new home is homeowners insurance. Within the first two weeks you will get dozens of offers from many companies wanting your business. Your first step is to compare the prices from the companies for what they will cover. Remember that you are required to have a certain amount of coverage from the mortgage company. You may .. (Home Owners Renters)

The Value of Home Insurance

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 Liza Mathers (September 09, 2008)  Home sweet home; there are few things more valuable in life than our own personal space or the home we make for our families. Our place to live is often the most valuable commodity in our lives and the contents within are frequently not just expensive, but of great personal value. People have been insuring their homes for almost 300 years. The first household insurance policy was .. (Home Owners Renters)

Your Home Insurance - How Occupants Affect Rates

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 Chimerenka Odimba (September 09, 2008)  One of the very little talked about issues that affect home owners insurance coverage is the nature of occupants in the homes. Come to think of it, there are types of people who with their live style would certainly create more damage than others. It makes sense then for insurance companies to take note of these types of residents. It would be necessary for you to know what insurance .. (Home Owners Renters)

Home Insurance - When Its Time to Make Claims

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 Chimerenka Odimba (September 09, 2008)  When its time to make a claim due to a disaster or break ins, you can take the following steps to make things easier for you. I assume that you know what is your home. So after the incident, make a list of the items damaged or missing. Do a thorough search of the entire house including the yards so as not to miss anything from the most expensive to the cheapest. You would be required .. (Home Owners Renters)

Looking For Low Cost Homeowners Insurance? - Make Sure You Avoid These Common Mistakes

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 Stan Jenkins (September 08, 2008)  Looking for Low Cost Homeowners Insurance? - Don't Make These Mistakes A home is an enormous investment and an investment of that size needs to be protected. That's what homeowners insurance can do for you. Homeowners insurance is a necessity but you can avoid overpaying and obtain a low cost homeowners insurance if you avoid making these common mistakes. Mistake #1. Insuring your home . (Home Owners Renters)

Homeowners Insurance Company Ratings - How to Avoid Getting Ripped Off

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 Costas Peppas (August 22, 2008)  In this day and age we're especially being bombarded with ads and commercials for homeowners insurance. It's nice to have options but most homeowners find it difficult to listen to so much “gimmicky sales hype" and separate the good, reputable, honest companies from the bad ones. That's Where Homeowners Insurance Company Ratings Come In There are plenty of resources you can .. (Home Owners Renters)

Geico Homeowners Insurance - How to Avoid Getting Ripped Off and Get the Best Deal

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 Costas Peppas (August 22, 2008)  Whether you're just buying and insuring your first home or thinking of switching to a new company like Geico for your homeowners insurance, there are some simple, proven tips you can follow which are guaranteed to reduce your premium so you pay the least amount possible! First Let's Make Sure We're On The Same Page We take on a home insurance policy to make sure we're covered in case of . (Home Owners Renters)

State of Florida Homeowners Insurance - How to Avoid Getting Ripped Off

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 Costas Peppas (August 22, 2008)  Anyone who lives in Florida knows there are unique insurance scenarios that you need to consider. For those who don't, there are a number of unscrupulous companies that thrive on ripping those people off. Of course, the obvious differences between Florida and other parts of the country are frequent hurricanes, tornadoes and floods. Most people assume they're covered until something .. (Home Owners Renters)

Homeowners Insurance Policies For Different Types of Homes

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 David Stiehler (August 22, 2008)  No matter what the purpose of your home is, it is important to protect it and its contents with homeowners insurance policies. There are various homeowners insurance policies designed for different types of homes. Again, the most common home is used as permanent residence and most homeowners insurance policies are dedicated to this type of house. These homeowners insurance policies .. (Home Owners Renters)

Common Homeowners Insurance Exclusions

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 David Stiehler (August 22, 2008)  When searching for the right homeowners insurance policy, you will find that there are several options for you. Hundreds of insurance companies are out there waiting to do business with you and each of these companies have tons of homeowners insurance packages that can fit your needs. It is important to note though that getting a homeowners insurance plan does not automatically mean .. (Home Owners Renters)

House Insurance For Your Rental Home

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 David Stiehler (August 22, 2008)  Most landlords try to screen their potential boarders but even if you do this, you can't make a full assessment of their personality with just a simple interview. Sure, you can do a background check on them to make sure they don't have any criminal records but you can't really gauge how capable they will be in taking care of your home. This is why it is an excellent move for any .. (Home Owners Renters)

Insurance - Don't Leave Home Without It

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 Jay Tillotson (August 22, 2008)  For a young person about to move out of their parent's home and into university student housing, this is often their first taste of freedom and independence. There's a sense of ‘growing up’ about having your own place and being responsible for your own finances, bills and everything else. Balancing a budget is one of the hardest things about being a student, especially if .. (Home Owners Renters)

What Type of Home Renters Insurance is Best For You?

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 David Stiehler (August 21, 2008)  Sure, most landlords have insurance policies on their buy to let homes but these policies only cover the actual structure, fixtures and fittings of the house. It will not indemnify the tenants and their possessions in case of fire, burglary or whatnot. If you are a tenant and wish to have your belongings protected, you need to take out a separate home renters insurance policy. There .. (Home Owners Renters)

Improve Your Credit Score and Get a Better Homeowner Insurance Rate

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 David Stiehler (August 21, 2008)  Although these data will all be used, the most significant factor in determining someone's homeowner insurance rate is not asked for in the application form. This is the homeowner's credit score which the insurance company will get from the credit bureau, where everybody's credit information is stored. Generally, individuals with a higher credit score have a higher probability of .. (Home Owners Renters)

The Connection Between House Occupants and Home Owners Insurance Coverage

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 David Stiehler (August 21, 2008)  Home owners insurance coverage is also largely affected by the type of occupants in the house. There are certain types of residents that are much more likely to create damages resulting in more claims by the homeowners. Home insurance companies deem these residents as high-risk individuals and award them with higher premiums. To have an idea of what kind of home owners insurance .. (Home Owners Renters)

Make a Home Insurance Claim in 4 Easy Steps

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 David Stiehler (August 20, 2008)  In fact, filing a home insurance claim is really quite straightforward and can be done in these four easy steps. 1. Make an inventory of your home. If an intruder has been in your home, check to see if anything is missing. Start with the more expensive items such as jewelry, cash and appliances like televisions which are common targets for burglars. Make sure that you check all the .. (Home Owners Renters)

Finding the Best Home Insurance Quotes

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 David Stiehler (August 20, 2008)  There are hundreds of insurance policies out there and in order to find the best one, you need to gather a few home insurance quotes first. Home insurance quotes are ballpark figures that tell you the amount of coverage and monthly premiums for any particular insurance policy. Getting home insurance quotes is a breeze, especially with the help of the Internet. Practically all insurance . (Home Owners Renters)

Finding the Best Home Insurance Quote

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 David Stiehler (August 20, 2008)  Today, there are thousands upon thousands of home insurance policies waiting to be taken by homeowners around the world. Because of this vast number, finding the best home insurance quote for you can be quite daunting. You can make your search easier by first familiarizing yourself with a few concepts before diving head first into the world of home insurance. Let's start with the two .. (Home Owners Renters)

Prepare and Be Carefree

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 Paul Mcindoe (August 20, 2008)  There are few better feelings than escaping the worries and frustrations of modern living by going on holiday - if only for a few days - to some island paradise where the normal rules just don't apply. For many of us, true freedom to enjoy a well earned break can only be achieved when all loose ends back home have been tied up - preferably, prior to departure. The departure lounge .. (Home Owners Renters)

Instant Home Insurance Quote - Get the Best Rate

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 Brian Stevens (August 20, 2008)  Your computer can offer you more than instant messaging and news updates - it can also give you access to instant home insurance quotes. And even better, the quotes can save you money over what you're paying now. Insurance Comparison Sites Provide the Answers to Your Insurance Needs Insurance comparison websites are the key to getting the best rate on home insurance. These websites let . (Home Owners Renters)

Finding the Best Home Insurance Coverage

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 David Stiehler (August 19, 2008)  In order to find the best home insurance coverage for your house, you will want to determine what kinds of events you want to be protected against. If you live in a neighborhood with an above average crime rate, you may want to get home insurance coverage for burglaries and breaking in. If you live near a lake or river, you could search for home insurance coverage for floods. If you own . (Home Owners Renters)

Home Insurance Online - The Easier Way to Protect Your Home

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 David Stiehler (August 19, 2008)  Traditionally, applying for home insurance takes a lot of time which is why many people are discouraged. You have to meet with an insurance agent and discuss the plan with them. If you are unlucky, you can even get stuck with an agent who will drone on and on using industry terms that you don't even understand. You have to wait several days for the processing after which you need to go .. (Home Owners Renters)

Home Insurance Policy For Flood-Prone Areas

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 David Stiehler (August 19, 2008)  For residents who live near the coastlines or along rivers and lakes, flooding will be more of a problem than ever. It is the same case with people who live in low-lying areas or near dams. Cleaning up after floods and repairing the damages they left costs a considerable amount of money. Unfortunately, most traditional home insurance policies list flood damages in their exclusions so .. (Home Owners Renters)

Homeowners - Just What Are You Buying?

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 David Mayer (August 19, 2008)  The idea is so simple. You pay a premium and the insurance company protects you. Yeh, right! When you go out shopping, you read the labels before you buy, don't you. Well, the same should be your habit when you're buying a homeowners insurance policy. Never just use a site like this to get online quotes and then buy a policy because it's low cost or affordable. You should read it before . (Home Owners Renters)

Cheap Renters Insurance - Where to Get It

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 Brian Stevens (August 19, 2008)  Foreclosure rates are increasing all over the U. S. and more of us are turning to renting homes. This article shows you how to get cheap renters insurance with a top-rated company. Why Get Renters Insurance? The number of people renting a home or apartment has increased by over one million in the United States, but over 75% of these renters do not have renters insurance. This can be a .. (Home Owners Renters)

Selecting the Right Home Insurance Company

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 David Stiehler (August 18, 2008)  During your search for the right home insurance company, there are certain criteria you have to follow. There are key elements of a home insurance company that you have to pay special attention to, and some of these are the following. 1. Reliable service and good track record. The home insurance company that you choose has to be a reputable institution that has outstanding feedback .. (Home Owners Renters)

What's an Endorsement?

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 David Mayer (August 18, 2008)  When you start out on your quest to find an affordable homeowners insurance policy, remember that The Lord of the Rings ran to three volumes. You have not found what you're looking for when your online quotes come rolling in. Nor have you arrived at your destination when you read through the policies. The final part of the journey is always dealing with the endorsements. An endorsement . (Home Owners Renters)

Discount Homeowners Insurance - Smart and Economical

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 David Stiehler (August 16, 2008)  However, there are several methods by which homeowners can still get adequate coverage and we don't mean illegal methods either. Some people may choose to do it the immoral way but the consequences of their actions will eventually cost them much more than what they can save in the beginning. We are talking about availing of discount homeowners insurance. There are a number of methods .. (Home Owners Renters)

The Legalities of Home and Contents Insurance

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 David Stiehler (August 16, 2008)  Despite these legal warnings, many devious homeowners still try to sneak past the watchful eyes of the insurance companies in an effort to have financial gain for themselves. Among the most common crimes committed by homeowners related to home and contents insurance is making false claims for loss and damage, otherwise known as fraud. Each year, insurance companies suffer losses worth .. (Home Owners Renters)

Home Insurance - Ensure Lightning Strikes Do Not Nullify Your Homeowners Insurance Policy

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 Shirly Smith (August 16, 2008)  You are wise if you have taken a home insurance policy, but you must go a step further to ensure that your homeowners insurance will cover for all acts of god, and one that is popular but often overlooked is lightning. Lighting can strike the power line leading into your house and start a fire. Thunderstorms usually occur throughout the fall and winter months, in addition to the typical . (Home Owners Renters)

How to Boost Your Insurance Payout on Property Damage Claims

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 Mark Decherd (August 15, 2008)  Filing property damage claims is a complex process that often results in the property owner being shortchanged. First and foremost, insurance companies are for-profit businesses. They aren't in the business for fun; they're in the business to make money. Insurance companies have two ways to make money: collecting premiums and minimizing payouts. It doesn't matter if you have a .. (Home Owners Renters)




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