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Homeowners Insurance by Type

Type’s of Homeowners Insurance Earthquake Insurance Fire & Lightning Insurance Flood Insurance Hail and Windstorm Insurance Hurricane Insurance Mobile Home Insurance Renters Insurance Theft Insurance Tornado Insurance  Click Here to Get a Free    

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Flood Insurance

Flood Insurance

Unknown to many, standard homeowners insurance policies do not cover flood damage. Flood insurance is a special type of insurance policy that must be purchased separately. Fortunately, it is funded by the federal government, and is easily obtainable and reasonably priced. Coming in right behind fires, floods are the second …

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Hail and Windstorm Insurance

Hail and Windstorm Insurance

Standard homeowners insurance policies will cover damage from hail and windstorms. Deductibles for wind damage fall under 2 categories: Hurricane deductibles – applies exclusively to hurricane damage • Wind/hail, or windstorm deductibles – applies to all wind-related damages. In the case of damage from hail, be sure to report damages …

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Hurricane Insurance

Hurricane Insurance

From what has happened in recent times, it is obvious that hurricanes can be extremely destructive and devastating. Hurricane season typically starts in June and lasts through the end of November, so make sure you are prepared. Those who reside in hurricane prone areas should obtain hurricane insurance coverage to …

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Mobile Home Insurance

Mobile Home Insurance

Nationwide, approximately 6.5% of occupied units are mobile homes. A regular mobile home insurance policy generally does not apply when a mobile home is in transit. Depending on the insurance provider, a number of discounts are available, including discounts for newer mobile homes, mobile homeowners who are over 55 years …

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Renters Insurance

Renters Insurance

Most likely, your landlord has taken out an insurance policy on the building, but this only covers the physical structure of the dwelling. To safeguard your personal effects inside the property, you will need to purchase renters insurance. Renters insurance, also called a tenant’s policy, is quite cheap, and covers …

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Theft Insurance

Theft Insurance

Standard homeowners insurance policies protect your belongings from theft, but coverage limits are low. So if you have a lot of valuable property, it may be worthwhile to look into purchasing additional coverage for the items that are expensive or difficult to replace. Some items you may want to purchase …

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Tornado Insurance

Tornado Insurance

Tornados can be catastrophic, but terms of coverage are typically simple because wind damage is covered under standard homeowners insurance policies. However, you need to ensure that the replacement cost limit for your property is enough to cover the actual replacement cost of your home. Those who own older homes …

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Earthquake Insurance

Earthquake Insurance

Earthquake Insurance In 2006, earthquakes were attributed to more fatalities than any other catastrophe, whether manmade or natural. Due to the unpredictable nature of earthquakes, and that 90% of the U.S. population resides in close proximity to seismically active fault lines, having adequate earthquake insurance coverage is very important. Earthquake …

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What is Covered by Homeowners Insurance?

What is Covered by Homeowners Insurance?

Homeowners insurance plans cover damages resulting from most natural disasters. The coverage exception to most plans is destruction which results from floods, earthquakes, and poor maintenance. For example, homeowners who do not maintain their roofs properly may not be entitled to benefits if the insurance provider determines inadequate maintenance to …

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