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	<title>Home Insurance Blog</title>
	<link>http://homeinsurance.com/blog</link>
	<description>A blog for the latest news and updates on insurance- home, auto, life, business.</description>
	<lastBuildDate>Mon, 01 Dec 2008 20:33:10 +0000</lastBuildDate>
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	<item>
		<title>Holiday Decorations Can Be Dangerous- Deck the Halls Safely this Year</title>
		<description><![CDATA[As the holiday  season begins, homeowners across the country are dusting off the holiday decorations.  But before you pull those lights, candles and other decor out of the box- be sure to practice some necessary safety tips.
Holiday Safety Part I:
1- Make sure you use appropriate lights- for example, indoor lights for indoor use and outdoor [...]]]></description>
		<link>http://homeinsurance.com/blog/2008/12/01/holiday-decorations-can-be-dangerous-deck-the-halls-safely-this-year/</link>
			</item>
	<item>
		<title>Find great deals on home products this Black Friday- and avoid the crowds completely!</title>
		<description><![CDATA[The day after Thanksgiving every year the shopping malls and retail stores flood with people trying to find the best deals on products ranging from coffee pots to barbie dolls.  Whether you are shopping for holiday gifts or for things for yourself, you might want to check out the deals online this week.  Most stores [...]]]></description>
		<link>http://homeinsurance.com/blog/2008/11/28/find-great-deals-on-home-products-this-black-friday-and-avoid-the-crowds-completely/</link>
			</item>
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		<title>Can I switch to a new home insurance company mid-policy or will I have to pay fees?</title>
		<description><![CDATA[Unlike auto insurance, homeowners insurance policies can be cancelled by the homeowner at any time without penalty if they choose to switch to a new company. Auto insurance is different where drivers in many states must pay fees in order to get out of their policy before the end date.
That means it&#8217;s always a good time [...]]]></description>
		<link>http://homeinsurance.com/blog/2008/11/25/can-i-switch-to-a-new-home-insurance-company-mid-policy-or-will-i-have-to-pay-fees/</link>
			</item>
	<item>
		<title>Programmable Thermostats- What&#8217;s all the hype?</title>
		<description><![CDATA[Programmable thermostats are all the craze recently as a new way to save energy and money when it comes to heating and cooling your home.  Energy Star claims that programmable thermostats can save you a few hundred dollars each year on your energy bills if used correctly.
What makes it different than a regular thermostat?
Programmable thermostats [...]]]></description>
		<link>http://homeinsurance.com/blog/2008/11/25/programmable-thermostats-whats-all-the-hype/</link>
			</item>
	<item>
		<title>Deep Concerns about Deep Frying- Is your turkey worth the trouble?</title>
		<description><![CDATA[A few years ago, deep fried turkeys became the craze around Thanksgiving time. But are they really worth the danger?
According to The U.S. Fire Administration, cooking was the cause of roughly 1300 reported home structure fires on Thanksgiving night 2005.  That is about 3 times the daily average!
The USFA claims that many of these fires [...]]]></description>
		<link>http://homeinsurance.com/blog/2008/11/24/deep-concerns-about-deep-frying-is-your-turkey-worth-the-trouble/</link>
			</item>
	<item>
		<title>Save on Energy Bills this Winter- Tips from the E.P.A. and Energy Star</title>
		<description><![CDATA[
 Look for the logo!
&#8220;The average home causes twice the greenhouse gas emissions as a car making homes a huge opportunity to reduce green house gas effects&#8221; - Maria Vargas, Spokesperson for Energy Star
We sat down with Maria Vargas, spokesperson for  the Energy Star program from the Environmental Protection Agency (E.P.A) and got some really amazing [...]]]></description>
		<link>http://homeinsurance.com/blog/2008/11/21/save-on-energy-bills-this-winter-tips-from-the-epa-and-energy-star/</link>
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	<item>
		<title>Chilly Weather Checklist- Are you doing all you can to protect your home?</title>
		<description><![CDATA[Scan through our Winter Checklist to make sure you are protecting your home from the elements this season:
 Check the walls, attic and basement for adequate insulation
 Find and seal any gaps around doors and windows where warm air can escape
 Feel around electrical outlets and switch plates for cold air or drafts and add [...]]]></description>
		<link>http://homeinsurance.com/blog/2008/11/17/chilly-weather-checklist-are-you-doing-all-you-can-to-protect-your-home/</link>
			</item>
	<item>
		<title>The Hottest New Home Trends for 2009 Revealed</title>
		<description><![CDATA[Crescent Communities, a real estate development company based in Charlotte, NC- released an article this week where they explore the top nine home trends for 2009.  Some of the trends show a definite change of direction in homeowners&#8217; priorities. The Top 9:

Less Square Footage
Room for Storage
Outdoor Living
Maximum Mobility Design
Female-Friendly Design
Green and Healthy Homes
Smart Homes
Revolutionized kitchens
Office Space

For a more [...]]]></description>
		<link>http://homeinsurance.com/blog/2008/11/12/the-hottest-new-home-trends-for-2009-are-revealed/</link>
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		<title>My lender is requiring that I carry flood insurance- should I shop with another lender so I can avoid the flood policy? Jan G.</title>
		<description><![CDATA[Jan,
While I can&#8217;t speak on behalf of all lenders, I can say that if one lender is requiring flood insurance- most others will most likely do the same.  The reason this holds true is because lenders usually base their flood requirements for each customer on the type of flood zone the home is in. They [...]]]></description>
		<link>http://homeinsurance.com/blog/2008/11/11/my-lender-is-requiring-that-i-carry-flood-insurance-should-i-shop-with-another-lender-so-i-can-avoid-the-flood-policy-jan-g/</link>
			</item>
	<item>
		<title>Farmers Insurance to spike rates in the Lone Star State</title>
		<description><![CDATA[Only months after Hurricane Ike, Farmers Insurance is planning to impose a double-digit rate hike for hundreds of thousands of Texas homeowners. The rates are set to take place on February 16th 2009 and will affect homeowners from two of the company&#8217;s largest subsidiaries.
Homeowners across the state are highly against the timing of the  rate [...]]]></description>
		<link>http://homeinsurance.com/blog/2008/11/10/farmers-insurance-to-spike-rates-in-the-lone-star-state/</link>
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