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Archive for June, 2008
Homeowners,
Oftentimes here at HomeInsurance.com we are surprised to see the false beliefs that some homeowners have about their home insurance policy. Oftentimes homeowners believe that some parts of their home aren’t covered that really are- and vica versa. Here is a great article about the Top 10 Home Insurance Myths Debunked. It offers some great insight into some of the most commonly mistaken home insurance myths and gives an insider’s view of a standard home insurance policy. Check it out before you get your home insurance quote today.
Top Ten Home Inusurance Myths Debunked
Your Agent at HomeInsurance.com
Marcus,
At HomeInsurance.com, we specialize in home insurance across the country. We would be more than happy to find you a Virgina Home Insurance policy that works best for you, your family and your home. You can visit our Quick Quote page to get your quote or Contact one of our Agents.
Virgina home owners also turn to HomeInsurance.com for our home owner resources and tools. While you are here, check out our home insurance calculator and home insurance glossary. Or, visit our home insurance FAQs page and tips section. You might also want to download our FREE home inventory checklist.
Good Luck!
We have come up with yet another home insurance tool for our homeowners. Our Home Insurance Home Inventory is a thorough, comprehensive checklist that you can download for FREE and use to compile your home inventory.
Why do a home inventory?
Too often, homeowners will not complete a home inventory. In the case of a disaster, or loss of your home, your insurance company will ask you to come up with a list of everything you owned. I’m sure you can imagine how difficult it is to catalogue everything you owned after it is gone. This is why we encourage all of our customers to complete a home inventory. It’s just one more layer of protection we like to offer our customers.
Helpful Tips
When completing a home inventory, it is always a good idea to:
1) Include photos & receipts
2) Keep your inventory in a safe place outside of your home
3) Update it on a regular basis
4) Include serial numbers
Download your FREE Home Inventory Checklist Today
Thanks, Your Agent@HomeInsurance.com
Mychele,
In regards to your question below: A standard homeowners policy would not provide coverage for a situation like this because it is not one of the perils listed in a standard policy. However, it is always a good idea to read your individual home insurance policy to determine your individual coverages and endorsements. You may also want to contact the company you are insured with for any additional questions.
Thank you for visiting HomeInsurance.com.
Janice,
Yes, we can find you a policy in Arizona. As a matter of fact, we can find our customers home insurance anywhere in the country. We have partnered with some of the top home insurance companies in the nation so that we can offer the best home insurance available- great rates and amazing coverage. Look no further for Arizona home insurance- HomeInsurance.com is here to help.
As an added feature for our customers, we have also created a Tips and Tools center on our website packed full of great interactive tools for homeowners such as a mortgage calculator, home insurance calculator, FAQs, glossary and home insurance tips.
Feel free to fill out our Quick Quote Form and see how much money we can save you on Arizona Home Insurance today.
Thanks,
Your Agent at HomeInsurance.com
Earlier this week homeowners around the country had to look no further than the front page of every newspaper to be reminded of the importance of flood insurance.
On Tuesday, The Mississippi River swelled and burst through the levee that protected the town of Gulfport Illinois… the damage was devastating.
The flood waters filled the town with about 10 feet of water- ruining homes and businesses. In the middle of this disaster homeowners and business owners alike came to a disheartening realization: most of them were without flood insurance.
In 1999, local officials in Gulfport, Mississippi assured local residents that the levee was strong enough to withstand even the most treacherous flood. FEMA agreed with town officials causing many home insurance holders to drop their flood insurance- or never apply for it at all. A mistake they will regret for a lifetime.
After the flood waters began to recede in Gulfport a gruesome number surfaced: Twenty-eight. The total number of property owners who were insured against the damage.
Too often homeowners who do not live in a coastal city- who are not required by their lender to obtain flood insurance- will never purchase it. Gulfport Illinois is a grim reminder that while your home might not be in a “flood plain”, all homes are in a flood zone- and are at risk of being flooded.
It’s Important to Know…
Standard home insurance does not cover damage caused by a flood. Separate flood policies are available and will protect homeowners’ in the event of flood damage. If you would like more information visit our article on Flood Insurance. Or, contact a home insurance agent today to see what type of flood insurance is available for you.
At HomeInsurance.com, it is our top priority to find our customers the best home insurance available. Contact us today to see how we can help protect you, your home and your family.
Your Agent at HomeInsurance.com
Beth,
As always, you should double check your insurance policy for specific information about your coverage. However, I can tell you that most standard home insurance policies do provide coverage for other structures on your property such as detached garages, sheds, etc. This coverage is known as Coverage B or, simply enough, Other Structures coverage.
We get a lot of questions like these, which is why we have put together Home Insurance 101. Feel free to take a minute and flip through Home Insurance 101 for basic, yet comprehensive information about standard home insurancepolicies- see what they cover, and what they don’t. There are a lot of common misconceptions among homeowners about what their home insurance actually DOES cover. Many homeowners are under the impression that certain items are covered while they aren’t- and vice versa- so it’s good to brush up on your home insurance policy. If you have questions about how much coverage is enough coverage- please contact one our licensed agents.
Thanks, Your Agent at HomeInsurance.com
Just another way to save!
Many customers ask us how they can save money on their insurance every month. While there are lots of ways to save, one the best ways is to take advantage of the Home-Auto Discount. Are you a homeowner and a car owner? The home insurance companies we have partnered with offer amazing discounts for customers who purchase from them both their auto insurance and their home insurance policies.
Talk about big savings!
Our customers save up to 15% which can mean hundreds of dollars a year- just for insuring both their home and auto with one of our trusted partners. Find out what your Home-Auto Discount can be by calling one of our home insurance agents today.
Dear Donna,
Any time you make improvements to your home you should be sure to update your home insurance coverage to match the new value of your home. Check out our article about Upgrading your Home and Updating your Coverage to learn about the types of improvements that might require some insurance updating.
Estimating how much additional coverage you need is important, and you should talk to your home insurance agent to determine the added value to your home. If you are simply adding square footage, you might want to take a look at our home insurance calculator which helps you figure your replacement value based on the square footage and construction costs to rebuild your home.
Thanks, Your Agent@HomeInsurance.com
Many dot com businesses have a hard time tracing their roots to their pre-internet days. However, it’s quite a different story over here at HomeInsurance.com.
The CEO of HomeInsurance.com, Carlos Lagomarsino, dove into the home insurance industry in 1992- and made quite a splash. Check out our Awards Page to see the 70+ awards and accolades that Carlos and his team of home insurance professionals have been proud to accept over the years!
In 2001, Carlos expanded his successful business and began selling home insurance online to the south east region of the U.S. It wasn’t long before Carlos followed through with his dream to offer home insurance across the U.S. with his launch of HomeInsurance.com. Carlos and his team of home insurance professionals now focus all of their energy on the continued success of HomeInsurance.com- offering customers nationwide the best home insurance shopping experience around. Read Carlos’ story and meet the HomeInsurance.com team by checking out our Leadership Team page.
In our 16+years in the business, we’ve also partnered with some of the best home insurance companies out there. Check out some of our partners such as Travelers, Safeco, The Hartford and Foremost.
At HomeInsurance.com, our experience and long standing dedication to the home insurance business are just part of what make us the best home insurance shopping service on the web. Get a home insurance quote today, and see for yourself.
 
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