by: Djai Tanji
The importance behind notifying your insurance company about your home’s remodeling is that it quickly adds to a home’s value. Incase you fail to update your home insurance company, your policy may not provide you insurance coverage for such improvements. If ever you install home safety upgrades along with your home remodeling, better [...]
by: Djai Tanji
If you don’t have a home inventory yet, you better consider having one especially if you have been living in your home for a long time already. You can start at one room at a time. Partial inventory is better than having no inventory at all. Note down every item you see in [...]
by: Djai Tanji
Around 43, 000 people are approximately injured in and around swimming pools every year and 300 people drown in backyard pools. With this, the insurance company will make a greater liability if you own a pool. But there are also some companies that will still cover you even if you own a pool [...]
by: Djai Tanji
If you have a dog, it is very important to be honest with your home insurance company. Homeowners and renter’s insurance policies normally cover dog bite liability. Insurers may charge more or even deny your application depending on the breed of the dog which determines the breed’s general reputation. If you lie about [...]
by: Djai Tanji
Identify theft is when someone uses your personal identifying information (your name, credit card number, Social Security number) without your permission in illegal activities or crimes. And Identify Theft Insurance provides reimbursement to victims of fraud and such crimes to help them restore their identity and repair credit reports. The reimbursement also includes [...]
by: Djai Tanji
Insurance buyers tend to overpay their homeowners insurance by including the land value that their house is built on. But you should keep in mind that you only need to insure your home and possessions only, not the land your home resides on. Even if something unfortunate happens, the land is most likely [...]
by: Djai Tanji
There are countless of home insurance discounts that you may not recognize. Like for instance, you may get a lower premium if you have safety features and strong home security in your home like smoke detectors, dead-bolt locks, storm shutters and an alarm system. New homes are also normally charged with lower rates [...]
by: Djai Tanji
There are several ways to save money when buying home insurance, you have to be really careful and wise in making decisions. Shop around to compare rates and quotes to know which could be less expensive and most beneficial to you and look for discounts that best apply to you. Look for multi-policy [...]
When you buy a satisfactory policy, see to it that the cover remains adequate and up to date. Most insurers index-link your insured sum automatically to account for changes in rebuilding costs. But to make sure, double check if yours do.
Tell your insurer if you have done changes in your home like installing [...]
Subsidence is when the soil supporting the house sinks. It is caused by certain soils, vegetations, leaking drains, mines, heave (upward movement of the ground) and landslip (downward movement of the ground). If your house is subsidence-prone, your premiums will be higher because the risk is higher. But you could be able to [...]
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