Home Insurance

com, a Bankrate company, found filing even just one claim can cause your homeowners insurance premiums to rise because there's a statistical likelihood that a person who makes one claim will probably make another in the future.On average, people who file one homeowners insurance claim can expect their yearly premium to go up 9 percent.

Winter is in full swing around the U.S.

If you've noticed your homeowners insurance policy has recently gone up, there may be a few things going on.In many cases, your homeowners insurance policy will provide you with some liability coverage if anyone sues you for getting injured on your property.

The only negative thing about the season is having to wear five layers of clothes to keep warm, and that’s inside the house.It probably reads as a little counterintuitive to use a ceiling fan during the winter.

This is called force-place coverage, and has become a controversial topic as the policies tend to be more expensive than typical homeowner insurance plans.This means borrowers pay more for the force-placed plan than they would for average home insurance coverage, which leads to troublesome situations for homeowners already having a difficult time paying their bills.

You've probably heard the term "short sale" somewhere - in the news, online or maybe from a friend.For homeowners who can't afford their homes and the associated costs, such as home insurance, repairs and maintenance, anymore, a short sale can help them avoid foreclosure.

You can use the paper and pencil method - which may get tiring - or create a spreadsheet on your computer or tablet.Additionally, your insurer may have a handy tool or worksheet online to help you with the process.

How going green saves moneyOne of the largest costs of owning a home is controlling the temperature.According to INSWeb, homeowners can save up to 30 percent off their monthly bills by utilizing green technology in the home.

However, reading over your policy can be the difference between a carefree winter and a season full of costly insurance claims.In addition, you may have a relatively inexpensive insurance package because you've opted for higher deductibles instead.

When signing up for homeowners insurance, you might be aware of the many risk factors providers look at.Here are some household risk factors to be aware of:PetsBoth the number and breed of pets you have in your home will be seen as potential risk factors for insurance companies.

Your home is your most valuable asset, and how much you invest in it can help determine your home insurance rates.This will not only keep your utilities low, but it will also keep you and your home safe.

Once you find the condominium you call home, sweet home – investing in condo homeowners insurance is vital to maintaining your happiness and well-being.Now keep in mind that homeowner’s insurance and condo homeowner’s insurance are not one and the same.

The monetary shields we're speaking of are premium umbrella insurance coverage policies.In case you were wondering, we've got the scoop on just what umbrella coverage is, how exactly it works and if the average policyholder really needs to look into purchasing this premium policy:What is an umbrella homeowners insurance policy?

However, having a home office or running your business on your own property can be a delicate subject when it comes to insurance.When it concerns using personal property for business purposes, some items can be covered under a traditional home insurance plan but usually up to a certain policy limit.

However, consumers with low credit scores may find themselves paying more for necessary coverage than those with a better credit history.With the majority of home insurers using credit scores to come up with insurance quotes, consumers could increase their credit scores to get the best rates.

Here are six tips you can employ to make your home energy efficient:1.Use natural ventilationYou probably stayed tight in the comfort of your home for much of the winter, with the fire burning and your home's heating system on full blast.

The hard part of house hunting may be over, but your work is not done just yet.Before you sign your contract, you will need to get homeowners insurance.

If you don't exhibit particularly risky behavior and your home is in good condition, then it's not likely that you'll need excess insurance.That's why it's best to find a homeowners insurance package that is fitted to your lifestyle.

One thing that may slip the minds of homeowners is checking in on their homeowners insurance policy.Because of these factors, it's a good idea to perform an end-of-year homeowners insurance policy review.

The 2015 hurricane season has been relatively quiet, according to Texas A&M Today.In 2012, Superstorm Sandy, not big enough to qualify as a hurricane, hit New Jersey and caused tragedy and destruction.