Contrary to what many believe, an insurance policy isn’t a “cure all.” Unfortunately, many people become aware of this when they are most in need of help – after a crisis such as a fire, flood, earthquake or tornado. Thus, there is no time like the present to review your insurance policy to determine if you have the proper coverage.
Do you have a detailed list of all your possessions? All home insurance claims require one, so why not spend a cold winter day preparing yours? Here's how to do it!
Homeowner's insurance is a necessity, and losing your policy unexpectedly will pile on a lot of stress you just don’t need.
The easiest way to determine what is and isn’t covered by your homeowner's insurance is to read the declaration page of your policy, which is a miniature summary of your coverage.
In 2005, Hurricane Katrina left lots of people with questions about the differences between homeowners insurance and flood insurance. Damage from rising water is not covered under most insurance policies, and flash floods can occur at almost any elevation, even if you're not in a flood zone.