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| How do I take a home inventory and why? |
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Would you be able to remember all the possessions you’ve accumulated over the years if they were destroyed by a fire? Having an up-to-date home inventory will help you get your insurance claim settled faster, verify losses for your income tax return and help you purchase the correct amount of insurance.
Start by making a list of your possessi... | |
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| What is renters insurance? |
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Renters insurance provides financial protection against the loss or destruction of your possessions when you rent a house or apartment. While your landlord may be sympathetic to a burglary you have experienced or a fire caused by your iron, destruction or loss of your possessions is not usually covered by your landlord’s insurance. Because in most cases, renters insura... | |
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| Can I own a home without homeowners insurance? |
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Unlike driving a car, you can legally own a home without homeowners insurance. But, if you have bought your home and financed the purchase with a mortgage, your lender will most likely require you to get homeowners insurance coverage. That’s because lenders need to protect their investment in your home in case your house burns down or is badly damaged by a storm, torna... | |
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| What type of disasters are covered? |
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Disasters not covered
You can purchase flood coverage directly from your homeowners insurance agent. However, the policy is provided by the Federal Flood Insurance Program ( 800-427-4661).
You ca... | |
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| What type of insurance do I need for a co-op or condo? |
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If you have purchased a condo or co-op, the bank will require insurance to protect its investment in your home. You may, however, need more insurance to cover your personal items, liability or fees that may be charged to you regarding shared areas of the building like the lobby.
You will need two separate policies to protect your investment: | |
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| Are there different types of policies? |
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Yes. A person who owns his or her home would have a different policy from someone who rents. Policies also differ on the amount of insurance coverage provided.
The different types of homeowners policies are fairly standard throughout the country. However, individual states and companies may offer policies that are slightly different or go by other ... | |
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| What is in a standard homeowners insurance policy? |
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A standard homeowners insurance policy includes four essential types of coverage. They include Coverage for the structure of your home, coverage for your personal belongings and Liability protection.
Additional living expenses in the event you are temporarily unable to live in your home because of a fire or other insured disaster.
<... | |
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| What is homeowners insurance? |
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Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family ... | |
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| 5 Keys Benefits of Business Insurance |
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 Guest Author: Christy Myers
The business security is necessary to secure the business owner. To get the security from all types of threats business owners need protection.
The business insuranc... | |
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| Specialized Benefits of Collector Car Insurance |
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| Collectible cars can serve as a wondrous treasure, but also as a good investment. As with any investment, an adequate protection in the form of collector car insurance is necessary. |
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 Guest Author: Levis Bark
Collectible cars can serve as a wondrous treasure, but also as a good investment. As with any investment, an adequate protection in the form of collector car insurance is necessary. Especially since a ... | |
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