Home Insurance

While homeowners insurance can help cover the cost of repairs if a storm damages your home, you should consider preventative measures to protect your house and family.Here are five ways to protect your home during stormy weather:1.

On average, home prices are growing 13 times faster than wages, which limits the number of people who can actually afford homes.However, homeowners shouldn't be entirely deterred from living in a location where they desire to lay roots.

If you're a homeowner, you probably already have insurance coverage of one form or another.Whether it's mortgage insurance, homeowners insurance or a policy for your vehicle, there are many ways to protect your finances from outside forces and exterior elements.

There are several ways to improve a home that can cut down the cost of monthly homeowners insurance premiums.According to State Farm Insurance, a home fire is reported every 87 seconds, making them very common.

And that goes for all types of insurance, including homeowners.Shopping around for homeowners insurance is a bit more complicated than shopping for auto coverage is.

The FBI defines identity theft as when someone unlawfully obtains another's personal information and uses it to commit theft or fraud.As phishing and hacking attacks become more advanced, homeowners might worry about what happens in the event of identity theft.

Even if the most aggressive tendency of your furry friend is the way it covers you in kisses, your dog could lead to higher renters or homeowners insurance premiums.Essentially, if this bill passes, insurance companies won't be able to boost premiums or deny coverage to individuals based on a dog's breed.

However, when the utility bills come, you may be surprised by how quickly your costs can rise during the summer.Fortunately, there are a few ways you can lower your bills and use less energy during the hottest months of the year.

After a month of severe spring weather, April may achieve the first month of 2014 with multi-billion dollar losses in damage.During this one event of severe weather, more than 70 tornadoes were reported across the country, many reaching high on the storm intensity scale.

Using that average insurance premium of $978, this increase in deductible could save home owners $150 a year.First, a higher deductible would require you to pay more out of pocket before the coverage kicks in if something happened to your home.

A cross-country trek can take a lot out of you, so it is important to properly plan this trip.Here are a few tips to help you on your trip:Plan aheadWith a move across the country, you need to give yourself plenty of time to make plans.

Know what's coveredOne of the biggest mistakes homeowners make is not knowing what is included in their home insurance.A lot of policies will cover hurricane damage, but it is important to check with your insurance company.

They say home is where the heart is, so protect your heart - and your investment - with homeowners insurance.Benefits of homeowners insuranceWith homeowners insurance, you don't have to worry about not being able to repair your home if it becomes damaged from smoke, wind, fire, lightning or a snowstorm.

This could mean buying a new home.You could possibly negotiate a lower price for your new home, which will save you money each month.

But while many are ready to depart the workforce, relatively few ever want to leave their home.However, the AARP noted many older adults develop chronic illnesses and physical changes that can make living at home a challenge.

For years, the homeowners insurance industry has used flat dollar-amount deductibles for plans.Whether homeowners are given percentage deductibles as an option can also depend on the state they live in.

are going to be affected by a hurricane this year, homeowners need to be aware of the dangers of these types of storms and how to protect themselves with home insurance coverage.Who needs itHurricane coverage is not included in a typical homeowners insurance policy and generally needs to be purchased separately similar to flood insurance.

As some homeowner insurance policies do not cover natural disasters, tenants filed claims with their respective insurance companies hoping to get money from the city, but were turned down.The city labeled the the problem as "an act of nature", which then disallows some people to be covered under their homeowners insurance.

Low mortgage rates and rising home prices have made buying a home a more attractive option than renting for millions.Here are some financial obligations first-time homebuyers need to consider before making a major purchase:Mortgage payments and closing costsMost Americans need to purchase a home with the help of a mortgage.

If theft, vandalism or damage occurs to your home, then your homeowners insurance policy will most likely cover the costs.In this case, here are four instances when your home insurance comes in handy:1.