Search Results for: insurance homeowners renters

State Farm Will Lower Homeowners Rates in California

Most of the time, when there is news that involves changes to insurance rates, it is because the insurer is raising them. Not this time! State Farm is going to cut homeowners insurance rates in California. It is so nice to hear good news from an insurance company! It isn’t often that I hear about an insurance company that has announced that they are going to lower their rates. Actually, I’m not sure I’ve ever heard of an insurer willingly choosing to lower its rates. That is exactly what is happening, though. State Farm is the largest homeowners insurer in … Continue reading →

Your Guide to Insurance Savings

Everyone has to carry some form of insurance, whether it is homeowners insurance, renters insurance, auto insurance or private medical insurance. Being able to find ways to reduce the amount that you have to pay on your premiums is important. With less money leaving your family budget for insurance, you’ll have more money for savings and other needed expenses. 1. Raise your deductible If your insurance deductible is less than $500, consider raising it to at least that amount. The higher your deductible, the lower your insurance rate. The deductible is the amount that you will pay first before the … Continue reading →

Insurance Help After Hurricane Sandy

Your home was damaged by Hurricane Sandy. You did the right thing, and filed a claim with your homeowners insurance company. Your insurer still hasn’t dealt with your claim, or has flat out refused to cover the damages. What can you do? Here is some advice that may help. The governors of some states have told insurance companies that they cannot enforce hurricane deductibles on storm-related claims that resulted due to Hurricane Sandy. This is because the National Hurricane Center declared Sandy to be a “post tropical storm” shortly before it made landfall in their states. This means that if … Continue reading →

Insurance Blog Week in Review – April 22 – 28, 2012

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At the end of every week, the Insurance Blog Week in Review gives you a quick and easy way to “ketchup” on all of the articles that hit the blog in the past week. There can be anywhere between 12 and 14 different blogs that have appeared. What did you miss this week? Renters Insurance Doesn’t Cover Bug Infestation A family in Bakersfield, California, rented a home that was infested with bugs. The entire family is suffering from scabies, and ended up throwing away their contaminated property. Would renters insurance covered any of this? Unfortunately, it would not. The Insurance … Continue reading →

Insurance Needs for When a Hurricane is Coming

If you live on the East Coast, then you are probably keeping a close eye on the progress of Hurricane Irene right now. You might live in an area that has not been involved with a hurricane in decades. Now is the time to figure out which of your insurance policies to send a claim to in case your home or property is damaged by a hurricane. Insurance is tricky. In order for an insurance policy to do you any good, you need to have purchased it long before something bad happens. If your home is damaged by a hurricane, … Continue reading →

Renters Insurance – True or False?

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How much do you know about renters insurance? Do you really need to have it? Under what circumstances would it be okay to go without this type of insurance? Can other types of insurance take the place of a renters insurance policy? Take this quick “quiz” to see how much you understand about renters insurance. True or False? If your landlord has insurance, then you won’t need to buy renters insurance. False. Your landlord should have homeowners insurance on the building that the apartment, condo, or room that you are renting is located in. This is necessary for your landlord … Continue reading →

Get A Car Insurance Quote Through Facebook

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Shopping around for car insurance can be tedious, confusing, and boring. It takes a while to get an insurance agent on the phone. Not every website that gives quotes is going to be intuitively easy to access. 21st Century Insurance just made it all a whole lot easier. They will give you a quote on Facebook! 21st Century Insurance is part of the Farmers Insurance Group of Companies. They are the third largest provider of individual auto insurance policies in the United States. The have around 20 million customers nationwide. They can provide their customers “the same great coverage, for … Continue reading →

When Homeowners Insurance is Not Enough

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A standard homeowners insurance policy can help you repair damage to your home, and to replace items that were stolen from it. However, this type of policy doesn’t provide you with financial protection for damages caused by the wrath of mother nature. Instead, there are a variety of other insurance policies that can help. Just make sure you buy the right kind of insurance before a disaster strikes. What happens if an earthquake strikes, and damages your home? A typical homeowners policy, like the kind you probably purchased when you got your mortgage, will not cover damages due to an … Continue reading →

Things To Know About Boating Insurance

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Warm weather may make you think of Spring and Summer vacations. For some people, this could include days spent out on the water, enjoying your vacation from your boat. Perhaps this is an activity that your family traditionally enjoys every summer. Before you plan your relaxing vacation time, you should know a few things about boat insurance. Allen Insurance and Financial has some advice about boat insurance. If your boat is not considered to be large, then you can find many different insurance companies that will offer limited coverage for property damage for small boats. This includes canoes, small sail … Continue reading →

Renters Insurance Can Be Helpful

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Unless you have a mortgage on the place where you are currently living, then you are very likely renting it. Since the mortgage crisis, it has become more common for people to choose to rent instead of purchasing a home. Other people are renting because they are only intend on staying somewhere temporarily. Either way, it can be very advantageous to get renters insurance. Some people have the mistaken belief that since they do not actually own the place where they live, that there is no need for them to get insurance. After all, the landlord owns the home, so … Continue reading →