Home Insurance Archives - Page 6 of 10

Subrogation is a term commonly used in the insurance industry for when a customer files a claim on their insurance policy, the insurance company pays for the damages but then determines that the liability can be assigned to a third party. Want an example? Many years ago, I had a...

I was recently on the phone finalizing a home insurance policy for a customer when the customer told me that instead of doing some remodeling, like we had originally discussed, that he and his wife had decided to bulldoze the entire home to build their dream home. Assuming the customer...

Have you ever wondered why your home insurance rates just seem to keep going up and up even when you haven’t filed a claim? We often have people call in for an insurance quote and their reason for shopping their insurance is that their home insurance rates increased substantially from...

Have you ever wondered if your home insurance covers other structures on your property such as a detached garage? The answer is yes it can. Home insurance does have coverage available for detached structures, but the coverage will generally need to be added to the policy. While some insurance companies...

If you have a mortgage on your home when filing an insurance claim, the insurance company is required, by the terms of the policy, to make the check payable to you and any lienholders on the property. Why? Because the mortgage company has an interest in your home, and they...

Many times, we have customers calling in for a quote and are surprised to find out that even though they had a significant home insurance claim from a prior hurricane, they’re still able to find insurance at competitive rates. Home insurance claims typically fall into two categories. Those that are...

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