Understanding what home insurance does not cover can help you protect yourself, your loved ones, and your assets By Dawn Allcot Most people think of home insurance as their protection should they lose everything in a house fire. You probably also know it can...
Does my home insurance cover outbuildings such as the garage and shed? This is a commonly asked question. Having outbuildings such as garages, fences, sheds and decks on your property does not automatically mean that you want to insure these items against...
First-time homeowner? You’re probably wondering where to buy home insurance. Even if you’re on your second or third home or are shopping around for a better homeowners’ insurance price, if you haven’t purchased home insurance in a few years, things have changed. In...
Like many states, New York requires most employers to carry Workers’ Compensation coverage for employees. New York State’s requirements for Workers’ Compensation coverage can seem confusing but once you understand the guidelines for required coverage, you’ll know...
What is the purpose of buying home insurance? It is to safeguard you, your assets and your home from unforeseen events. Suppose your home and everything in it is gutted by a fire. In an ideal world, you will have enough coverage to rebuild your home fully and replace all your belongings.
There are a lot of factors that affect your optimal coverage levels, including the home that you reside in and your possessions. This article will address the main components of a home insurance policy and the best coverage levels.
If you’re shopping around for homeowner’s insurance, you may have gotten several estimates. The quotes varied significantly—even if the coverage levels each carrier provided were the same. Getting such wildly different home insurance rates might leave you...
Defining umbrella insurance Umbrella insurance is simply a secondary form of liability insurance covering your personal liability. Umbrella insurance provides liability protection against lawsuits and claims that may be brought against you that exceed the...
What You Can Do To Qualify for a Homeowner Insurance Policy Discount There are several homeowner’s insurance discounts that are applicable when you initially purchase your policy. For instance, if your house is new it might require less repairs in particular...
The reason why homeowners purchase insurance is to protect themselves from disaster. According to a recent survey people who filed insurance claims during the last couple of years feel their insurance did not meet their expectations-particularly if they had...
