Ways To Reduce Homeowners Insurance

The process of buying a new home is exciting and an adventure but it can be both stressful and difficult to find the perfect place for you. Dealing with high prices and finding the right sized home can be challenging aspects to deal with. While home buying is a process, there are ways to make it simpler and easier for yourself, doing the proper research and taking the time you need to make sure you make the best decision possible. After you buy Read More …

Reducing Homeowners Insurance Rates

While it is necessary to have, many people struggle with the high costs of having a homeowners insurance plan. While you need some type of plan to ensure that you and your home stay protected and safe, many do not realize what goes into how insurance companies will charge you and also how you can make it less expensive. There are tricks and tips to lower your homeowners insurance rates before you even move in or if you have been there for a Read More …

Amazon In-Home Delivery App Launched

Amazon and Walmart are now starting to allow in-home delivery for your packages. Giving the delivery drivers access to your home using a digital code. Amazon is trying to start a new revolutionary idea, allowing easier and safer delivery for those of us not home at the time or know we will be working when a package arrives. The app, Amazon Key, is now being offered in 37 cities for Amazon Prime customers. Walmart is starting a similar project in Silicon Valley and Read More …

Insured Loses Continue To Rise From California Wildfires

The Western United States, specifically California, are known for their natural wildfires and are often faced with dealing with them and the aftermath from these burning beasts. This most recent round of fires, taking place in Northern California and starting back in early October, are still currently being worked on and continue to be kept contained, nearly 2,300 firefighters still work on them. Early data estimated that the amount of damage would be around 1-3 billions dollars, the full impact and power of Read More …

Ways to Save Money on Home Insurance

There are many factors that determine the price of homeowners insurance. If you want to get the best price, then you have to know how insurance companies work. In the eyes of the insurer, everything is based on risk. When a customer comes to them in need of a policy, they will make assessments about the person and the property until they come to a calculated decision. If you or your property appears to be risky, then you will be paying more for Read More …

The Impact of Climate Change on the Future of Home Insurance

The issue of climate change has been a topic of debate in America for the past twenty years. Scientists are coming up with more and more evidence proving that the world is getting hotter due to human activity. The emission of greenhouse gases into the atmosphere is having a drastic and increasingly quicker effect on average temperatures. But, some believe that climate change is a myth and that regulating greenhouse gases would be detrimental to the economy. Recently, the Trump Administration backed the Read More …

New York Man Killed in Home Insurance Scheme

Every once in awhile, you hear a story about someone taking drastic measures to make money off of their insurance policy. It is a classic form of fraud that is very hard to get away with, especially in today’s world. Insurance companies hire investigators to analyze each claim and report any signs of fraud. Simply put, it is not an easy scam to get away with. Earlier this month in Wayland New York, there was a case of attempted insurance fraud that was Read More …

Fire In Columbia River Gorge Forces Many Oregon Residents to Evacuate

Over Labor Day weekend, a fire started near Eagle Creek in the Columbia River Gorge, just a few hours north of Portland, Oregon. The fire was apparently started by a teenager who was lighting fireworks on a popular hiking trail. Due to dry conditions and heavy winds, the fire started to spread very quickly, and it continues to spread days later. Now, the issue has become so serious that authorities are requiring those who live in the gorge to evacuate their homes and Read More …

Billions of Dollars in Property Damages from Hurricane Harvey Will Not Be Covered by Insurance

When a natural disaster, such as a hurricane, causes damages to a person’s home, the assumption is that the cost of the damages will be covered by that person’s home insurance policy. However, many victims of Hurricane Harvey are starting to find out that many of the damages to their properties will not be covered by their insurance company. Unfortunately, studies show that up to 70% of the property damages in Houston, Texas will not be paid for by insurers. This accounts for Read More …

Are College Students Covered Under Their Parent’s Homeowner’s Insurance?

If you have a son or daughter that is getting ready to leave for college, then you probably have a million worries on your mind. You are concerned about them living on their own for the first time and you are sad that you will not get to see them every day anymore. This is all very normal. One thing that might not have crossed your mind yet is insurance. Will your son or daughter be covered under your homeowner’s insurance policy when Read More …

How to Save Money by Bundling Your Home and Auto Insurance

Depending on where you live and your particular lifestyle, paying for insurance can be a financial pain. If you get into a car accident or a tree in your backyard falls into your neighbor’s house, your monthly premiums will go up and you will be stuck with even more financial stress. That is why you must do everything you can to make sure you are getting the best deal possible on your insurance policies. Sometimes, getting discounts on insurance is easier than you Read More …

These are the 3 Most Common Homeowner’s Insurance Liability Claims

If you are a homeowner, you probably already know the importance of a solid home insurance policy. Without one, you are at risk of paying loads of money out of your own pocket. You truly never know what is going to happen and it is always better to be safe than sorry. That is why it is important to periodically review your policy and make sure you are getting the coverage you need. But what kind of coverage is the most important? Well, Read More …

As Winter Approaches, Don’t Forget to Review Your Homeowner’s Insurance Policy

Summer is coming to an end here in Chicago and it is time to get ready for winter. We all know what the winters can be like in Illinois: intense blizzards, long rain storms, harsh winds, etc. Many residents are currently winterizing their homes to get ready for the eight month stretch of harsh conditions. But, keeping your home warm is not the only measure you should take to get ready for winter. You should also take a long look at your home Read More …

How Does Your Credit Score Affect the Cost of Your Homeowner’s Insurance Policy?

Like most other insurance policies, your credit score will definitely have an effect on the price of your home insurance. You may be thinking, “what does one have to do with the other?” Well, insurance companies view people with low credit scores as high risk because they are unpredictable, and are seemingly less responsible. It seems unfair, but it is the job of the insurance broker to decrease risk as much as possible. Therefore, credit score is one of many factors that affect Read More …