Home Insurance Archives - Page 5 of 10

If you find yourself in the unfortunate situation of needing to file a claim after a hurricane, there are certain things that you need to know. In every home insurance policy, there is a section entitled the duties after a loss. This section outlines the things that the you, the...

Occasionally we have customers contact us during the home buying process and ask if there are certain types of homes that have lower insurance rates than other types of home. While there are many factors that go into determining the insurance rates. There are three things that you should look...

Did you know that if you change the ownership, title, occupancy or use of a home that you have insured, you have a limited amount of time to notify your insurance company and failure to do so can result in your coverage being suspended? The conditions section of many home...

Roughly once a month or so, we get asked the question whether septic tanks or wells are covered under a home insurance policy. Generally speaking, most standard home insurance policies written on an HO3 form either do or can provide coverage for these items. The coverage provided is contingent upon...

Almost every week we have customers call in who are looking to purchase a home, but the home has some existing damage or some component of the home is outside of insurance guidelines that would generally make the home uninsurable – such as an old roof. The concern is that...

Most standard home insurance policies in Florida are written on an HO3 form. This is commonly referred to as a special coverage form or an open perils form. These policies commonly have verbiage that states that the insurance company will “insure for sudden and accidental direct loss to property”. However,...

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