Homeowner Insurance Articles

Welcome to the Homeowner Insurance Facts Site. We have compiled a set of articles that we hope will educate you about your choice in homeownerinsurance.

Blame it On The Rain: Protect Your Home With Hurricane, Wind and Flood Insurance

Choosing the best insurance policies for your home can cause a lot of confusion. Many homebuyers are not fully educated about the coverage needed to protect a home or real estate investment. Many difficult...

Are you covered with a standard homeowner’s insurance policy?

With a standard homeowner's insurance policy in your hand it includes four important types of coverage. They include: Coverage for the construction of your home, Coverage for your private belongings, Liability...

Do You Really Need Disaster Insurance?

The expenses involved with owning a home can be overwhelming at times - routine maintenance, repairs, seasonal preparations, improvements. Not to mention taxes, fees, and all those monthly bills. Some...

Cancelling PMI

Cancelling PMI
The Federal Government passed a private mortgage insurance (PMI) reform law, effective July 29, 1999. Known as the Homeowners Protection Act of 1997, the new law amends the Federal Truth...

10 Ways To Save On Homeowners Insurance

1. Raise Your Deductible - Save Up To 25% Deductibles are the amount of money you have to pay toward a loss before your insurance company starts to pay a claim, according to the terms of your policy....

Home Insurance Rates

Insurance premiums are calculated according to several risk factors. These are the factors identified by the insurance company as most likely to have an impact on the insured against risk occurring. Insurance...

Dangerous Liaisons: Tips For Securing Homeowners Insurance

Whether you are buying a home, selling a home, retiring or relocating homeowner's insurance can be a tricky issue. Learning the basics of homeowners insurance is key to completing a smooth real estate...

Home Warranties

Home Warranties
Traditionally, home warranties have protected homeowners from repair costs that aren't covered by home insurance, especially the inner workings of a home--plumbing, heating, air conditioning,...

Homeowners insurance: Whats covered, whats not, and what to look for

Individuals planning on purchasing a home spend weeks if not months picking the perfect neighborhood, floor plan, and then home before they even consider purchase. In a similar way, buyers will shop around...

Earthquake Insurance

We never know what the providence has in store for us. The best thing we humans can do is to remain prepared against any natural disasters or untoward incidents.
Nowadays, insurance provides financial...

If you rent a home, protect it by buying Renters Insurance.

Renters insurance is often overlooked by people who are renting their house or apartment. Many people don’t realize that their landlord’s insurance only covers the building that you live, there...

Home Insurance Price Factors

Here are some factors to consider when purchasing home insurance. All of these factors can and will have an influence on the price you pay for home insurance. The Condition of the Home Insurers factor...

Homeowners Insurance- Choosing a Coverage Amount

Homeowners insurance was created to protect homeowners in the event of disasters that threaten their homes and possessions such as fire or theft. Although these events are occurrences that most people...

Private Mortgage Insurance Doesn't Protect Homeowners

If you borrowed more than 80% of the appraised value of you home, you're probably paying private mortgage insurance (PMI). PMI that is not lender paid is a waste of money. If you default on your mortgage,...

Homeowners Insurance

Anyone who owns a home will, at some point in their ownership, come to realize the importance of their homeowner's insurance policy. Homeowner's insurance policies exist to protect both the homeowner and...

Private Mortgage Insurance

Private mortgage insurance can be a benefit to every borrower. However, borrowers need to be cautious when entering into agreements which include private mortgage insurance. Mostly, private mortgage insurance...

Homeowners Insurance: Lessons from Katrina and other gulf storms.

Homeowners Insurance is supposed to protect us in case of disasters. That is what we have come to expect from our homeowners insurance over the years. But what if the disaster is the costliest in U.S....

Homeowners and Household Insurance

As a homeowner, you need two types of insurance to protect yourself against the unexpected. Homeowner's insurance covers the structure of your property, while household insurance covers the contents "your...

Eight Rules for Buying Insurance of Any Kind

By following the eight rules explained here, you can save money, and just as important, you can save yourself from making serious mistakes when you shop for and acquire insurance policies.
Rule 1: Buy...

Private Mortgage Insurance Doesn't Protect Homeowners

Tips On How To Arrange Cheaper Home Contents And Buildings Insurance

If you are looking for tips on how to reduce the yearly premiums you pay on your home contents and/or home buildings insurance policies, the following are some sure-fire ways to do it: Increase the insurance...

Are you covered with a standard homeowner’s insurance policy?

Homeowners’ Insurance - The Mortgage Connection

A home owners insurance is the cover for the house against natural calamities as well as liability. This covers the house and its contents but also other personal possessions which the house secures....

Home-Based Business Owners, You Need Insurance Coverage

When you start a home-based business, buying insurance may not be your first priority, but you cannot afford to ignore it either. When the unexpected happens -- and it will -- having insurance coverage...

Home Insurance And Hurricane Preparations

The violent winds, rains and storm damage from hurricanes can devastate communities and cause billions of dollars worth of destruction. The losses from hurricanes this year alone have surpassed that from...