What is homeowner’s insurance?
Homeowner’s insurance policies cover damages to or destruction of your home and possessions that result from fire, theft, or other types of disasters. The insurance proceeds will help …
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Am I required to have homeowner’s insurance?
Maybe. The law of the state in which you live determines whether you are required to maintain homeowner’s insurance for your home. However, if you have a mortgage loan secured by …
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What are
Traditionally, homeowner’s insurance policies have contained an exclusion clause for damages caused by “acts of God”, a catch-all term that covers any sort of act of nature that cannot be controlled, like earthquakes or hurricanes. “Acts of God” also typically include damages as a result of war, i.e. a nuclear war. In recent years, however, there has …
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What can I do to reduce my homeowner’s insurance costs?
Homeowner’s insurance is required if you have a mortgage loan on your home, and even if you don’t, it is essential for your protection in case of losses or damages to your home. However, homeowner’s insurance can be a costly investment. Fortunately, there are a number of simple ways that you can reduce your homeowner’s insurance costs. The most obvious …
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