It has been quite a winter so far. Bitterly cold temperatures and record snowfalls have left much of the country in a deep freeze and buried in snow. Winter weather can take its toll on your house and can often lead to expensive claims on your homeowners policy. According to the Insurance Information Institute (I.I.I.) […]
Archive | Questions
RSS feed for this sectionWill homeowners insurance cover termite damage?
![Will homeowners insurance cover termite damage? Home Infected By Termites](https://www.gethomeinsurancequotes.com/blog/wp-content/uploads/2013/12/home-infected-by-termites-100x100.jpg)
Imagine this: You come home one day from work to find a large portion of your living room ceiling lying on the floor. After an inspection from a contractor you learn that a very important structural beam has collapsed bringing down the ceiling supports that were attached to it. Now the bad news, all of […]
Is Halloween a Homeowners Insurance Risk?
![Is Halloween a Homeowners Insurance Risk? Halloween can be a risk to homeowners and home insurance.](https://www.gethomeinsurancequotes.com/blog/wp-content/uploads/2013/10/halloween-homeowners-insurance-risk-100x100.jpg)
Its almost time for trick or treaters to start ringing doorbells and asking for candy. While you probably have the candy bowl stocked and the decorations up there is one more thing that you want to be aware of before greeting those first ghosts and goblins. Halloween is a time for fun but there can […]
Is My Home Based Business Covered Under My Home Insurance Policy?
![Is My Home Based Business Covered Under My Home Insurance Policy? Home Based Business Insurance](https://www.gethomeinsurancequotes.com/blog/wp-content/uploads/2013/09/home-based-business-100x100.jpg)
Home-based businesses have grown more and more popular over the past several years. Statistics show that a new home-based business is started every 12 seconds and that there are currently 38 million of them in America. These businesses generate $427 billion every year and while working from home is a dream for many people, it […]
How do Insurers Calculate Home Insurance Premium Rates?
![How do Insurers Calculate Home Insurance Premium Rates? Calculating Home Insurance Premiums and Rates](https://www.gethomeinsurancequotes.com/blog/wp-content/uploads/2013/09/calculate-home-insurance-rates-100x100.png)
Over the past decade or so, homeowners across the United States have seen a steady increase in their home insurance premium rates. The rates have risen by 36 percent across the nation from 2003 to 2010 and states such as North Carolina, South Carolina, Georgia, Florida, and Alabama have witnessed some of the sharpest spikes […]
Homeowners: Do you know your claim frequency?
![Homeowners: Do you know your claim frequency? Home Insurance Claim Frequencies](https://www.gethomeinsurancequotes.com/blog/wp-content/uploads/2013/07/home-insurance-claim-frequencies-100x100.jpg)
As a homeowner, it’s important to know how often claims occur. The idea that “it won’t happen to me” can become a sudden disappointment when it comes to common frequencies of home insurance claims across the country. Knowing what can happen helps you get prepared for what could happen that’s why we have listed the […]
How can the SC Safe Home Program Help Lower Insurance Prices?
![How can the SC Safe Home Program Help Lower Insurance Prices? Hurricane Hugo - September 21, 1989](https://www.gethomeinsurancequotes.com/blog/wp-content/uploads/2013/06/hurricane-hugo-1989-100x100.jpg)
The South Carolina Safe Home Program under the aegis of the South Carolina Department of Insurance provides funds to individual homeowners to help them undertake retrofitting measures that will reinforce their homes against the ravaging effects of hurricanes and tropical storms. Homeowners whose properties have insured values of less than $300,000 are eligible for these […]
Does my Basic Home Insurance Policy in North Carolina Cover Flood Damage?
Many towns in the Avery and Watauga counties in North Carolina are still reeling from the impact of the floods that took place just a month back. This bout of flooding comes in the wake of the prediction, as was published in Forbes, that the United States will see more severe weather in 2013. So […]
Is Force-Placed Insurance On its Way Out?
A recent piece of news has had Georgia homeowners and prospective home buyers sit up and take notice. According to The New York Times, the federal and state housing regulatory have swooped down on a long-standing practice called the force-placed insurance and are toying with the idea to trim the fees that banks charge insurance […]
Is My Home Covered for Damages from an Explosion?
![Is My Home Covered for Damages from an Explosion? 2012 Man-Made Disasters](https://www.gethomeinsurancequotes.com/blog/wp-content/uploads/2013/04/man-made-disasters-of-2012-100x100.jpg)
The calm of West, a small town in Texas, was recently shattered by an explosion in a fertilizer plant. It was a huge explosion that flattened the factory and badly damaged homes for miles around. Sadly, lives were also lost in the incident. Although the authorities are yet to confirm if the explosion was an […]