Home Insurance Guide
Home owners insurance is an integral part of our lives. If the devastating happens, you don’t want to lose everything you own and have to start over. Homeowners and/or renters insurance will help you out in the event the worst ever does happen.
About a month before she died, my Aunt transferred her house into my name using a quit claim deed. We did not talk about her homeowners insurance. After she died, I could not find any information on who her agent was or who the company was. When the premium bill came, I promptly paid it. About a month later, the company sent a letter asking if anyone was living in the house. The house is vacant. I gave them details on me and a copy of the death certificate and the deed and explained the situation. I never heard from them again. The question is, typically, does coverage cease when the insured passes away? Or does it automatically transfer when the house changes ownership? The house is free and clear by the way.
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This digital document is an article from Best’s Review, published by Thomson Gale on May 1, 2007. The length of the article is 861 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.
How To Lower Your Homeowners Insurance Premium
Increase Your Deductible
A deductible is the amount of money you pay on a loss before your insurance company pays for a claim. The higher you set your deductible, the more money you can save off the premium. Currently insurance companies recommend a minimum deductible of $500. Ask your agent how much you would save if you went with a $1000 deductible.
Rebuilding Costs
Many times people think that they need to insure their house for the amount that they purchased it for. This is not the case. If your house were to completely burn down, you would still have the land. Your agent will be able to help you calculate replacement cost of the house.
Multi-Policy Discount
Consider purchasing auto and homeowners insurance from the same company as most companies will give a multi-line discount.
Home Security
Many insurance companies will give a discount for smoke detectors, burglar alarms and dead-bolt locks. Some companies will also give a discount for sprinkler systems.
Good Credit Helps
Insurance companies are using credit scoring more and more to determine premium on homeowners insurance. To understand credit, review this guide. Did you know that most insurance companies today will run your credit report when calculating your premium for homeowners insurance? Thats why its so important that you understand your credit score and how to improve it. Be sure to get a copy of your credit report at least annually to make sure that everything is accurate.
Article provided by InsureMyHouse.com, the largest online homeowners insurance agent directory.
Saving on Connecticut Homeowners Insurance
Home Security: Many insurance companies will give a discount for smoke detectors, burglar alarms and dead-bolt locks. Some companies will also give a discount for sprinkler systems.
Good Credit Helps: Insurance companies are using credit scoring more and more to determine premium on homeowners insurance.
A standard homeowners insurance policy includes four essential types of coverage. They include:
-Coverage for the structure of your home.
Product Description
This digital document is an article from National Underwriter Property & Casualty-Risk & Benefits Management, published by The National Underwriter Company on December 20, 2004. The length of the article is 775 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.
How to Save on Alabama Homeowners Insurance
Multi-Policy Discount: Consider purchasing auto and homeowners insurance from the same company as most companies will give a multi-line discount.
Home Security: Many insurance companies will give a discount for smoke detectors, burglar alarms and dead-bolt locks. Some companies will also give a discount for sprinkler systems.
Wisconsin Homeowners Insurance - Learn How to Save on Your Policy
Home Security: Many insurance companies will give a discount for smoke detectors, burglar alarms and dead-bolt locks. Some companies will also give a discount for sprinkler systems.
Good Credit Helps: Insurance companies are using credit scoring more and more to determine premium on homeowners insurance.
–Saving on Arizona Homeowners Insurance
Saving on Arizona homeowners insurance can be a difficult task, but with the right agent who knows your situation such as a local agent in your area is best to seek information.
Rebuilding Costs: Many times people think they need to insure their house for the amount the amount purchased. This is not the case. If your house were to completely burn down, you would still have the land. Your agent will be able to help you calculate replacement cost of the house.
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