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Blog entries tagged with "homeowners insurance":
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CT is one of the states that will require insurance companies to sell discounted premiums to owners who take extra precautions to protect their homes. These discounts will depend on the state and the insurance company. Homeowners should find out what kind of improvements can entitle them to get a reduction … (0 comments)
Most people think that the "replacement cost" they have on their home insurance means that the home will be replaced if there is a total loss. Unfortunately, this is not an accurate understanding. An estimated 95% of home owner policies with "replacement cost" actually limit the amount of replacement cost to 20% … (2 comments)
I can help provide you with a binder of insurance coverage for a home or a condominium within 30 minutes. I am committed to providing you with fast turn around time and can be available when needed! … (2 comments)
Remodeling, stingier policies and rising construction costs mean owners of three-fourths of American homes would face huge out-of-pocket expenses to rebuild if disaster struck. Here's how to tell if you're covered
So what does the fire station ahve to do with my MI homeowners insurance?Most insurance companies will ask the proximity of your home to the nearest fire station or fire hydrant. The closer together they are the cheaper the insurance.The theory behind this is, if there were to be a fire, … (2 comments)
DOWER RIGHTS
Some homeowners mistakenly believe that a standard homeowner's policy provides more insurance protection than it actually does... that could mean large unexpected out of pocket expenses when one can least afford them. 
Regarding Sustainable homes? We have touched on this subject on Jeff Geoghan's post titled A Green Building Conversation... and I thought I would take a moment to go over this in a little more detail. It was actually Ginger and Roger Sala that brought it up.
A story in the Herald Tribune this morning is just one of many that I'm sure will be the future for Manatee County if something is not done. 
What could be worse than foreclosure?? Foreclosure due to being UNDERINSURED.
Relief on the horizon? From today's Palm Beach Post...This could be great assuming it passes for homeowners! What do you think? I almost feel like it sounds too good to be true, and its got to be hurting local government's budgets somewhere...and I wonder if we'll end up paying more somewhere … (2 comments)
As you prepare for your real estate purchase, there are a few things that I recommend you keep in mind when shopping for homeowner's insurance. They are as follows: 
I always recommend homeowners carrying as much liability on their house as possible. Some people respond by saying I'm never having guests so no one will get hurt at my house, therefor i don't need that. Here are two liability claims that were presented to insurance companies. 1) A couple went on vacation and … (0 comments)
What are homeowner's insurance, private mortgage insurance and title insurance?
Today, during a conversation with a South Orange County Allstate agent he told me that Allstate has opted to write no more homeowner's insurance policies in California. I asked what would happen to the existing policyholders. He said they'd be okay. He said it actually will be good for him because as an … (10 comments)
If you are financing your home with a mortgage loan, your lender will require that you carry homeowners insurance. The problem is that the insurance is one of the last steps in the closing process and it is usually purchased when things are quite hectic. For this reason it is no … (2 comments)
www.BrightSideTeam.com … (0 comments)
Do you have a clue about the C.L.U.E. report?
I previously wrote about how you should get your homeowners insurance during the inspection period when you are buying a home.
So if you have ever wondered which state has the highest homeowner's insurance rates then you will definitely find the recent Forbes.com latest feature Most Expensive States to Insure a Home interesting. 
For More Homeowners, ThreatFrom Lightning Is a WorryBy M.P. McQueen From The Wall Street Journal Online 
1. Be sure to shop around.
Are you face with high homeowners insurance cost? According to an article in the Insurance Information Institute, there are ways in which homeowner can lower their homeowners insurance cost. How?
Welcome once again to ActiveRain and Localism, the cutting-edge internet clearinghouses for current resources on all things real estate. My name is Rich Jacobson, a licensed professional real estate agent in Silverdale, out on the Kitsap Peninsula in scenic Washington State. This is the ninth installment in an on-going series of posts dedicated to helping 1st Time Home … (16 comments)
Suppose you have a new listing. The seller opts to sign a disclaimer instead of a disclosure under the Virginia Residential Property Disclosure law. 
The effects of last year's hurricanes in the Gulf of Mexico are being felt in SE CT. Having worked in the mortgage industry for the last 26 + years, I have always tried to use a fair estimate for Homeowners Insurance premiums in my calculations for potential mortgage payments.As of late the estimates … (3 comments)
Close your eyes. Imagine the feeling of the cold metal of your new house key pressing into your warm hand. This is probably the most exciting, and yet nerve-wracking, feeling you will ever have. It's a dream come true.
Last month I got a letter from StateFarm, my homeowner's insurance carrier. I called my husband & told him about it & he wanted to know what it was. I told hime that I didn't know because I hadn't opened it yet. I was calling him because I was afraid of the news … (14 comments)
What happens when a simple phone call to your insurance agent ends up as a claim against your insurance policy? 
We all have felt the nasty bite from the exhorbinant homeowners insurance increases this year. I believe that this is a critical issue for the well being of Florida homeowners. In the fast approaching election, please research your candidates thouroughly before you cast your vote. Be sure that your vote will … (2 comments)
The last paragraph of the Financing Addendum to the Purchase and Sales Agreement - Form 22A – deals with an easily-overlooked insurance contingency that is directly related to the ability of the buyer to obtain financing. We are talking here about ordinary homeowners (or property) insurance. The contingency, when checked … (0 comments)
Many homeowners are starting to respond to increasing property insurance rates and non-renewals with their own non-renewals - they are taking their auto policies away from the companies that have cancelled their insurance. Why let them continue to make profits on our cars, when we are paying many thousands of dollars … (1 comments)
The housing market has seen the pullout of all major property insurers for the residential except the insurers of last resort. The area has been redlined by companies to protect their billion of profits from damage. Most of the damage was water related from katrina and they paid a fraction what … (4 comments)
Many factors affect the availability and cost of homeowner's insurance. Depending on the insurance company, these factors may include past insurance claims filed on the home being purchased, past insurance claims filed by the buyer on previous homes, and the buyer's credit score. Some insurance companies use a database known as … (0 comments)
There is a serious dilemma facing homeowners and homebuyers everywhere. So serious that it’s creating barriers to homeownership across the nation. The problem is soaring homeowners insurance premiums and the inability for many homebuyers to attain coverage. There are three main reasons that homebuyers are finding it difficult to attain homeowners … (0 comments)