home insurance - Articles

How to Make Walkways Safe in Icy Conditions

Shutterstock By Mary Boone With the National Weather Service reporting bone-chilling temperatures below 14 degrees Fahrenheit for one major city and massive amounts of snow affecting many others, safety is top of mind for many Americans. Preparing your home for snow and ice can help prevent the slips and falls that... Continue Reading »

Preparing for Hurricane Season Includes Filling These Financial Gaps

The Associated Press By Kimberly Palmer So far, this year's hurricane season has been relatively quiet. But meteorologists say that could soon change. In fact, earlier this year, the National Oceanic and Atmospheric Administration predicted an above-average hurricane season, with up to 11 hurricanes that could form in... Continue Reading »

Phoenix Home Wrecked in Hostage Standoff -- Who's Responsible?

After seeing the ruined interior of a Phoenix home stormed by a SWAT team, some may ask: Did authorities go too far? A wanted man allegedly held five hostages at the house -- including the homeowners. To get inside, officers rammed an armored vehicle into the walls of the house several times. After the chaotic scene, the... Continue Reading »

Tornado Season: Do You Have Good Home Insurance?

As the massive tornado that ripped through the Oklahoma City suburb of Moore has shown, we're in the midst of tornado season. Dozens are dead after Monday's storm, and the death toll is expected to rise as rescue crews continue searching through the rubble for survivors, The Associated Press reported. In the town of... Continue Reading »

Homeowners Insurance: What's Covered, What's Not

Looking to know more about home insurance in the wake of Hurricane Sandy? Republished here is one of AOL Real Estate's best guides to understanding a homeowners policy. Many homeowners are baffled by trying to figure out the maze that is home insurance. Take Stephanie and Eric Jones, who for 15 years paid too much because... Continue Reading »

Hurricane Sandy Insurance: Governors Say No to Hurricane Deductibles

Homeowners in New York, New Jersey and Connecticut will save thousands of dollars in insurance costs after several state governors declared that Sandy did not make landfall as a hurricane, exempting them from insurers' hurricane deductibles Unlike regular deductibles that require homeowners to pay a set dollar amount --... Continue Reading »

Home Insurance Rates Rise Even as Property Values Sink

In a year that's been rife with tornadoes and severe thunderstorms, premiums for homeowners insurance are on the rise. And forecasts are calling for a hurricane season that will be more active than usual. Insurers may try to boost rates by as much as 20 percent in areas where storms hit hardest. Don't look for a break... Continue Reading »

Homeowners Insurance 101: What You Need to Know

Q: We are about to settle on our first home, and we don't know the first thing about buying homeowners insurance. How do we get started, and what do we need to know? Kimberly Lankford: Congratulations on buying your first home! Start by getting a price quote from the company that handles your auto insurance -- you... Continue Reading »

Tag Your Home Photos for Better Insurance Claims

On the morning of Nov. 24, 2007, Brad Stanley and his wife Anita watched as their home in Malibu, Calif., burned to the ground. They were not alone. More than 50 other homes were destroyed in the wildfire. With everything they owned now gone, the family had to start to process of documenting their losses to file for an... Continue Reading »

Mississippi River Flooding: Man Builds Moat to Save Home

When you can't have your own private island, you can always create your own. Russell, as the video below identifies him, has put more than a good amount of effort into saving his house from the White River flood waters. He's gone so far as to build a moat that seems to have kept his property in pristine condition up to... Continue Reading »

Natural Disasters and Terror Plots: What Home Insurance Covers

The deadly tornadoes and flooding that affected many parts of the South and Midwest in April, the tragic earthquake in Japan, and a renewed sense of concern for national security after Osama bin Laden's death Sunday underscore the importance for property owners to be ready for a worst-case scenario. Last week, insurance... Continue Reading »

Homeowner Sues Mortgage Company, and Wins!

All Patrick Rodgers wanted was for someone at his mortgage lender to talk to him. But when the bank ignored repeated requests, the Philadelphia homeowner sued -- and won. According to Rodgers, all he wanted was for the lender to answer his questions about its demand for him to purchase more home insurance. Yet the bank... Continue Reading »

Home Insurance Rates Up, Even in Down Market

Home insurance is one of most homeowners' least favorite subjects. So not surprisingly, the realization that home insurance rates have gone up while the market value of many homes have fallen hardly gets talked about at all. Jennie L. Phipps of our sister site WalletPop.com explains this confusing situation. The market... Continue Reading »

Home Insurance for the New Year

When was the last time you took a good look at your home insurance policy? Insurance is one of those things that's easy for homeowners to ignore. Once you sign up for a policy, chances are you write the check for the annual renewal without giving a lot of thought to whether your needs (or your insurer's terms of coverage)... Continue Reading »

Home Insurance: Tips for Choosing an Insurer

When Suzanne Patt went shopping for a home insurance policy, she ran into a problem: her daughter's trampoline. Some carriers refused to issue her a policy as long as the trampoline was in place; others were willing to include it, but at substantially higher rates. "That really limited my choices," says the Cranford, N.J.,... Continue Reading »

Home Insurance: What's Covered and What's Not

Many homeowners are baffled by trying to figure out the maze that is home insurance. Take Stephanie and Eric Jones, who for 15 years paid too much because they weren't clear on which coverage they needed and which they didn't. Their local insurance company wasn't very responsive to the Jones' inquiries about how they... Continue Reading »

Home Insurance: 6 Discounts to Ask For

"When you buy a house for $500,000," says Realtor Tony Yollin, "paying a few thousand a year for home insurance doesn't seem like that big of a deal." Indeed, compared to the price of a home at the time of purchase, home insurance might not seem expensive. But if you know what home insurance discounts to ask for, you can... Continue Reading »

Home Insurance: Places With Lowest and Highest Rates -- and Why

Blair Hudson is an insurance underwriter in Dallas, Texas, who lives in a $400,000, 4,000-square-foot home. He pays $1,800 a year in homeowner's insurance. His twin brother lives outside of Chicago, Ill. in a $600,000 home half the size of Blair's, and pays $900 for virtually the same coverage. Blair knows why he pays more... Continue Reading »

Secrets to Lower Home Insurance Premiums

When you're hunting for a house, the cost of home insurance is probably at the bottom of your shopping list. But you should probably move it up a few notches. Sue and Joe Davis learned this when they went house hunting recently. While Sue loves old Victorian homes, he loves new, freshly built ones. Obviously, maintenance... Continue Reading »

Home Insurance: Know What You're Buying

Bennett Cunningham and his partner own a home in a charming Dallas neighborhood just south of downtown. Shopping for home insurance, he found the cheapest rates with State Farm, the nation's largest insurer. Talk about a deal: Bennett and his partner have three cars. If State Farm covered those in addition to the home, the... Continue Reading »

Are You Tweeting Your Way to Higher Premiums?

Are you announcing your whereabouts on Facebook, Twitter, FourSquare, or other social media platforms? The pitfalls of too much sharing have been all too evident lately, with a rash of robberies and destructive party-crashings after the victims publicized their plans on social media sites. Apparently, insurance... Continue Reading »

5 Ways Homeowners Can Protect From Earthquakes

The devastation in Haiti and California's recent earthquake are reminders that preparedness is vital for all homeowners in earthquake zones. From the proper insurance to securing your home, we will take you through what you should consider in advance of an earthquake. Earthquakes can strike at any time. Make sure you're... Continue Reading »

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