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If you live in a home that is considered "high-risk" or plan to move to a high-risk location, you may have difficulty obtaining an insurance policy.
What constitutes high-risk?
If your home is located in an area prone to severe weather such as hurricanes, windstorm
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There are four events that should trigger a review of your policy:
1. When your policy comes up for renewal
Don’t just automatically send a check to your insurance company. Take the time to review your coverage and call your agent with any questions or concerns that you...
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If you are ever sued, your standard homeowners or auto policy will provide you with some liability coverage, which pays for judgements against you and your attorney's fees, up to an amount set in the policy. However, in our litigious society, you may want to have an extra...
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If someone has become injured on your property or if a violent storm destroys your home, you will need to file a claim with your insurance company. Remember, a homeowners policy is a contract between you and your insurance company. And there are rules and procedures that you...
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An adjuster will inspect the damage to your home and offer you a certain sum of money for repairs. The first check you get from your insurance company is often an advance against the total settlement amount. It is not the final payment.
If you're offered an on-the-spot...
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The settlement amount depends on which type of policy you have. Having inadequate insurance can affect the amount of compensation you get.
Replacement Cost and Actual Cash Value
Replacement cost provides you with the dollar amount needed to replace a damaged item with...
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