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Renters insurance provides financial protection against the loss or destruction of your possessions when you rent a house or apartment. While your landlord may be sympathetic to a burglary you have experienced or a fire caused by your iron, destruction or loss of your possessions is not usually covered by your landlord’s insurance. Because [...]

There are many insurance companies, so choosing between them can be a challenge. Here are the main points to keep in mind when selecting an insurance company:

Licensing
Not every company is licensed to operate in each state. As a general rule, you should buy from a company licensed in your state, because then can you rely [...]

Every homeowner’s insurance policy includes some coverage for loss of your stuff. You know, your furniture, your clothing, your music, your dishes. Your Stuff. But you can’t claim it if you can’t show you had it. The Insurance Information Institute has a great little tool for taking an inventory of [...]

Molds – a type of microscopic fungus – are found in virtually every ecosystem in every climate on earth. They have existed in the natural environment for hundreds of millions of years and humans have co-existed in the presence of mold and other fungi throughout the entirety of their evolution. Molds and other fungi are [...]

For 200 to 1000 per year, you can add flood insurance to your home. Is it for you? Check out this video to hear what FEMA thinks.

Here is a great little article from the Insurance Information Institute discussing typical homeowners insurance policies. They assume the standard coverages in a Homeowners-3 policy. (the most common in the US.)
Question # 1: Am I covered for direct losses due to fire, lightning, tornadoes, wind storms, hail, explosions, smoke, vandalism and theft?
Yes. The [...]

1. Price ShopDon’t just buy the first policy your current carrier offers you. Spend a few minutes talking to a couple of agents. Use a website like HomeOwner.Net or 4BestQuotes.Com to find a top local agent who can give you a competitive quote. It’ll take some time, but could save you [...]