ROBERT L. SUMMERS INSURANCE AGENCY



      
31 Milk Street * Room 1020 * Boston, MA 02109 * Tel: 617-542-8432 * Fax: 617-542-5307

MASSACHUSETTS HOME OWNERS INSURANCE, RENTERS AND CONDO INSURANCE


REQUEST A FREE QUOTE


We provide various Massachusetts Home owners Insurance policies including standard and preferred homeowner, tenant, condominium and mobile home policies. A wide variety of enhancements and additional coverages are also available. Massachusetts Home Owners insurance is basically designed to bring your home and possessions back to the same condition they were in before a loss. Our comprehensive product and pricing structure enables us to offer a policy that suits your personal needs at an affordable price.


Massachusetts Home Owners Insurance Coverages Explained

A lot of people get confused as to what renters insurance is and what condo insurance is. Please click on the links below to find definitions of each.


1. What is Renters Insurance?

2. What is Condo Insurance?


Get A Free Quote!

If at any time you have a question about Massachusetts Home Owners Insurance, need help or would like to see how much it would cost to insure any of your belongings with The R.L. Summers Insurance Agency, feel free to Get a Quote by calling 617-542-8432 or by clicking here to submit your contact information to us so we can service you.


ADD YOUR EMAIL ADDRESS TO OUR DISTRIBUTION LIST


Click Here and receive periodic email providing you with ways to save money on your insurance, insurance updates and insurance tips.

Terms and conditions of usage


05/17/2009 08:48 AM

Personal Umbrella

An umbrella policy is designed to protect you in the event of a major loss. It is an “excess liability” policy which provides additional limits of liability insurance over and above your underlying policies i.e. Massachusetts homeowners Insurance or Massachusetts auto insurance. They typically start at $1 million and can run up to $10 million or more.

If you think they’re just for rich people, you might want to reconsider. It’s not that difficult to imagine getting into an auto accident and having the unfortunate circumstances of hitting a carload of people. The damages could easily top $1 million dollars. The umbrella policy pays damages for bodily injury, property damage or personal injury for which the insured is legally responsible.

There are certain underlying and underwriting requirements needed in order to obtain the policy. First, you must carry specified limits on your underlying policies. For example, most insurance carriers would want you to maintain $250,000/$500,000 on your auto policy for “bodily injury to others” and $300,000 liability on your homeowner’s policy. You must also have a safe driving record and a good loss history.

The cost may surprise you as they generally start at $225.00 per year for $ 1 million of coverage. Ideally, you’ll never need the coverage but if you do, you’ll be happy for the coverage.

This information was brought to you by the Robert L. Summers Insurance Agency (617-542-8432) in Boston, Massachusetts. The Robert L. Summers Insurance Agency sells Massachusetts Auto Insurance as well as Massachusetts Homeowners Insurance.

This information is advisory in nature. No liability is assumed by reason of the information in this document. Massachusetts Homeowners Insurance
Massachusetts Home Insurance
Massachusetts Auto Insurance
Tax Audit Defense
Legal Insurance
Massachusetts Renters Insurance
Massachusetts Condo Insurance
Massachusetts Personal Umbrella Policy
Massachusetts Dwelling Fire Insurance
Massachusetts Personal Inland Marine Insurance

05/17/2009 08:48 AM

Protecting your House from Lightning

Fire caused by lightning accounts for more than a quarter billion dollars in property damage every year. Lightning is a peril covered under a Massachusetts Hone Owners Insurance policy. Below are some things you can do to protect your house from lightning.

Property Protection

The best safety rule is to install proper lightning protection. A number of specialty firms in your area can help you to design a protective system to safeguard your home. Any system you choose should be in accordance with guidelines set forth by groups such as Underwriters Laboratories (UL) and the National Fire Protection Association (NFPA). Components of the system may include:

  • Installation of lightning rods on the roof of your home and large trees around your home to control and redirect the lightning’s damaging effects. This lightning rod system should be installed by a UL-listed company.
  • Installation of voltage surge suppressors to limit the exposure of electronic equipment to excessive voltage spurts.
  • Installation of surge arrestors to help divert power surges along utility lines away from source equipment.
  • Life Safety

    Your chances of getting struck by lightning during a thunderstorm are extremely small. Nevertheless, lightning is not an entirely predictable event. These precautions can reduce your risk even further:

    Get off high ground and away from tall trees.

  • Keep away from all metal fences and other metal objects.
  • If you are swimming or in a boat, make for the shore at once.
  • Never ride a horse or a bicycle in a thunderstorm. If you are driving, stay in your car. It is one of the safest places to be in a thunderstorm.
  • Lightning may enter a house through anything that conducts electricity. Do not handle electrical appliances during a storm and stay away from all parts of the plumbing system. It is also not advisable to use the telephone during a thunderstorm.
  • This information is advisory in nature. No liability is assumed by reason of the information in this document. Massachusetts Homeowners Insurance
    Massachusetts Home Insurance
    Massachusetts Auto Insurance
    Tax Audit Defense
    Legal Insurance
    Massachusetts Renters Insurance
    Massachusetts Condo Insurance
    Massachusetts Personal Umbrella Policy
    Massachusetts Dwelling Fire Insurance
    Massachusetts Personal Inland Marine Insurance

    05/17/2009 08:47 AM

    Historic Homes

    Unfortunately old age affects more than just people. Homes get old and need some additional maintenance in order to prevent losses and filing claims.

    Here are some Preventive maintenance measures you can take if you have an old or historic home:

  • Make sure you get routine maintenance for all of the essential systems like electrical, plumbing and heating.
  • Since older homes have less insulation the probability of pipes freezing increases. Therefore, insulate pipes directly, shut off exterior faucets and make sure the temperature in the house is at a comfortable level.
  • If you begin to notice: cracked or missing mortar, loose bricks or stones, damp walls, or damaged plaster work begin repairing or re-pointing of mortar walls and chimneys.
  • Check during a rainstorm to see if gutters and downspouts are properly transferring water away from the house.
  • Get new insulation in the attic and also look to improve air ventilation on the attic.
  • Have all fuel lines checked for leakage.
  • Order an inspection of the roof to assess it’s condition.
  • Check the flashing around windows, skylights and chimneys to prevent rain from penetrating.
  • This information was brought to you by the Robert L. Summers Insurance Agency (617-542-8432) in Boston, Massachusetts. The Robert L. Summers Insurance Agency sells Massachusetts Homeowners Insurance as well as Massachusetts Renters and Condo Insurance.

    This information is advisory in nature. No liability is assumed by reason of the information in this document. Massachusetts Homeowners Insurance
    Massachusetts Home Insurance
    Massachusetts Auto Insurance
    Tax Audit Defense
    Legal Insurance
    Massachusetts Renters Insurance
    Massachusetts Condo Insurance
    Massachusetts Personal Umbrella Policy
    Massachusetts Dwelling Fire Insurance
    Massachusetts Personal Inland Marine Insurance

    05/17/2009 08:47 AM

    Protection from Fire

    Fire is one of the most basic perils covered in your Massachusetts Homeowners Insurance Policy. Careful planning can often help you avoid loss or injury. Here are some steps you can take to help reduce the chance of loss or injury in the event of a fire.

    Precautionary Measures

  • Smoke detectors should be installed on each level of the house and outside every bedroom. It would be best to have detectors that are wired to a central alarm system so the signal can be heard throughout the house. If you have a battery system make sure the batteries are checked regularly and changed at least every six months.
  • Fire extinguishers should be kept in the kitchen, furnace, laundry room and garage. There should also be an extinguisher on each floor of your home.
  • Prepare and then practice an escape plan with your entire family.
  • Every family member should know two ways out of every room and they should also know every possible exit to the house.
  • Everyone should be educated and practice to unlock all doors and windows for quick escape.
  • Predetermine a meeting place outside your home. Use landmarks that everyone can remember.
  • Depending on the amount of usage you should have your chimney professionally inspected and cleaned at the beginning of each heating season This will clear out materials such as soot that cause chimney fires.
  • When using your fireplace use a fire screen to control flying embers and burn only quality seasoned hardwood.
  • Any ashes should be placed in a metal container and removed from the house immediately.
  • Install a spark arrestor for your chimney especially if you have a wood roof or live in a windy area.
  • This information was brought to you by the Robert L. Summers Insurance Agency (617-542-8432) in Boston, Massachusetts. The Robert L. Summers Insurance Agency sells Massachusetts Homeowners Insurance as well as Massachusetts Renters and Condo Insurance.

    This information is advisory in nature. No liability is assumed by reason of the information in this document. Massachusetts Homeowners Insurance
    Massachusetts Home Insurance
    Massachusetts Auto Insurance
    Tax Audit Defense
    Legal Insurance
    Massachusetts Renters Insurance
    Massachusetts Condo Insurance
    Massachusetts Personal Umbrella Policy
    Massachusetts Dwelling Fire Insurance
    Massachusetts Personal Inland Marine Insurance

    05/17/2009 08:47 AM

    Earthquake

    Earthquake is not a peril that is covered in your Massachusetts Homeowners Policy. The purchase of an additional endorsement is necessary to be covered for Earthquake. Earthquake damage can be mitigated if you take the right steps. Here are some steps you can take to mitigate the damage of an earthquake:

  • Have a contractor check the stability of your chimney and wall foundations. Also you want to ensure that your house is bolted to the foundation.
  • Use water heater strapping to secure the water heater in place.
  • Make sure all heave furniture and heavy objects are secure to the walls and floors.
  • Be aware of the location of all your shutoff valves, such as gas, electric and water.
  • Keep solid work shoes available to have on during and after an earthquake.
  • Keep work gloves handy and available.
  • Maintain a first aid kit.
  • Maintain an emergency supply kit, which includes flashlights with extra batteries, canned foods, water, blankets, cash, clothing, fire extinguisher and sanitation supplies.
  • Try to always remain calm.
  • During an earthquake stay away from windows.
  • After an earthquake turn off all appliances and turn off the main circuit breaker.
  • After an earthquake check for household hazards
  • This information was brought to you by the Robert L. Summers Insurance Agency (617-542-8432) in Boston, Massachusetts. The Robert L. Summers Insurance Agency sells Massachusetts Homeowners Insurance as well as Massachusetts Renters and Condo Insurance.

    This information is advisory in nature. No liability is assumed by reason of the information in this document. Massachusetts Homeowners Insurance
    Massachusetts Home Insurance
    Massachusetts Auto Insurance
    Tax Audit Defense
    Legal Insurance
    Massachusetts Renters Insurance
    Massachusetts Condo Insurance
    Massachusetts Personal Umbrella Policy
    Massachusetts Dwelling Fire Insurance
    Massachusetts Personal Inland Marine Insurance

    05/17/2009 08:46 AM

    Defending against Burglary

    Not many things in life are worse than when you come home after a vacation to discover your home has been burglarized. You feel like you have been violated. Although burglary is covered under your Massachusetts Homeowners Insurance here are some general tips to defending against burglary to your home:

  • All doors that lead to the basement or garage should have dead bolt locks. The doors should also be constructed with durable wood or metal.
  • Keep interior and exterior lights on. Use timers and set the timers for different times.
  • Make sure all doors and windows are unobstructed by bushes and trees.
  • Purchase an immovable Underwriters Laboratories (U.L.) approved safe or vault for storages of valuables.
  • Purchase a burglar alarm system.
  • If away from home arrange for a friend or neighbor to pick up your mail and check your house.
  • If you are away from home lock all vehicles and if you have a garage, park the vehicles in the garage.
  • Lower the volume on your telephone ringer so when the phone rings it cannot be heard from the outside.
  • This information was brought to you by the Robert L. Summers Insurance Agency (617-542-8432) in Boston, Massachusetts. The Robert L. Summers Insurance Agency sells Massachusetts Homeowners Insurance as well as Massachusetts Renters and Condo Insurance.

    This information is advisory in nature. No liability is assumed by reason of the information in this document. Massachusetts Homeowners Insurance
    Massachusetts Home Insurance
    Massachusetts Auto Insurance
    Tax Audit Defense
    Legal Insurance
    Massachusetts Renters Insurance
    Massachusetts Condo Insurance
    Massachusetts Personal Umbrella Policy
    Massachusetts Dwelling Fire Insurance
    Massachusetts Personal Inland Marine Insurance

    05/17/2009 08:46 AM

    Risks During Renovation or Construction

    In addition to being a disturbance of daily living, building an addition or remodeling your home can bring about many risks of loss. The chances of fire and damage increases when renovation and construction is taking place. Here are some ways to reduce the risk of loss:

  • Have several portable fire extinguishers located through out the work area. Purchase multi-purpose extinguishers that weigh at least 10lbs and are well marked and easily visible.
  • Dust can trigger your alarms. Cover your fire and burglar alarms with plastic bags or tops versus disconnecting them.
  • Reduce chances of theft by using perimeter fencing, gates or chains across driveways, Motion-activated lighting, and security guards.
  • Work out with your contractor that all sawdust, containers, and other debris are removed from the site daily. Also if there is any paintings make sure the flammable materials like rags and solvents are removed.
  • Work out all these issues with your contractor
  • Speak to your insurance agent about premium savings associated with these protection strategies.
  • This information was brought to you by the Robert L. Summers Insurance Agency (617-542-8432) in Boston, Massachusetts. The Robert L. Summers Insurance Agency sells Massachusetts Homeowners Insurance as well as Massachusetts Renters and Condo Insurance.

    This information is advisory in nature. No liability is assumed by reason of the information in this document. Massachusetts Homeowners Insurance Massachusetts Homeowners Insurance
    Massachusetts Home Insurance
    Massachusetts Auto Insurance
    Tax Audit Defense
    Legal Insurance
    Massachusetts Renters Insurance
    Massachusetts Condo Insurance
    Massachusetts Personal Umbrella Policy
    Massachusetts Dwelling Fire Insurance
    Massachusetts Personal Inland Marine Insurance

    05/17/2009 08:45 AM

    Water in the Basement

    Since a Massachusetts Homeowners Insurance Policy does not include flood coverage it is important that you know the best ways to keep your basement from flooding. The two most common ways to get water in your basement is water coming in from the ground or rain and water coming in from a sewer backup. Usually only homes in low-lying areas are subjected to floods; however any home can be subjected to a sewer backup.

    One thing you can do to keep water from coming into your basement is to protect the outside of the basement windows with window well covers. It is also a good idea to grade soil away from the house and periodically clean out debris from rain gutters.

    If water does find it’s way into your basement buy a sump pump with an automatic switch and enough horsepower (usually 1/3). Make sure you do not store any valuable or keepsake property. If you do store furniture or other expensive property keep these items raised at least 6 inches off of the floor. Worse case scenario is you may have to install a drainage tank to hold excess water until the sewer system can absorb it.

    This information was brought to you by the Robert L. Summers Insurance Agency (617-542-8432) in Boston, Massachusetts. The Robert L. Summers Insurance Agency sells Massachusetts Homeowners Insurance as well as Massachusetts Renters and Condo Insurance.

    This information is advisory in nature. No liability is assumed by reason of the information in this document. Massachusetts Homeowners Insurance
    Massachusetts Home Insurance
    Massachusetts Auto Insurance
    Tax Audit Defense
    Legal Insurance
    Massachusetts Renters Insurance
    Massachusetts Condo Insurance
    Massachusetts Personal Umbrella Policy
    Massachusetts Dwelling Fire Insurance
    Massachusetts Personal Inland Marine Insurance

    05/17/2009 08:43 AM

    Keeping an inventory of Personal Property

    Per your Massachusetts Homeowners Insurance Policy it is the responsibility of the insured to prepare an inventory of damaged personal property after a loss. This inventory should show the description, quantity, actual cash value and the amount of the loss.

    Most of the time due to the trauma of the loss and remembering what you actually owned it is difficult for insured’s to prepare this inventory. The loss adjuster can provide some assistance but the ultimate responsibility for the inventory is with the insured. The best course of action is to have an inventory of all of your personal affects before any loss occurs. The inventory will also help you determine how much insurance you should purchase and in the event of a loss will allow you to settle your insurance claim most efficiently. In addition to the inventory you should take pictures of all personal property.

    More responsibilities of the Insured

    Your Massachusetts Homeowners Insurance Policy requires you to protect your property from further damage during a loss. You are also required to make reasonable and necessary repairs to protect your property from further loss. These repairs are reimbursable through your policy.

    This information was brought to you by the Robert L. Summers Insurance Agency (617-542-8432) in Boston, Massachusetts. The Robert L. Summers Insurance Agency sells Massachusetts Homeowners Insurance as well as Massachusetts Renters and Condo Insurance.

    This information is advisory in nature. No liability is assumed by reason of the information in this document. Massachusetts Homeowners Insurance
    Massachusetts Home Insurance
    Massachusetts Auto Insurance
    Tax Audit Defense
    Legal Insurance
    Massachusetts Renters Insurance
    Massachusetts Condo Insurance
    Massachusetts Personal Umbrella Policy
    Massachusetts Dwelling Fire Insurance
    Massachusetts Personal Inland Marine Insurance

    05/17/2009 08:42 AM

    Old Man Winter

    Unfortunately if you live in the Northeast you have to deal with “Old Man Winter”. That means ice, snow and wind. Your Massachusetts Homeowners Insurance Policy covers these perils, but there are precautions that you can take to reduce your exposure to these perils.

    One Problem you may encounter is the build up of ice and snow on your roof. This is usually caused by inadequate attic insulation. So the first step is properly insulating your attic floor. This will keep the attic cool as you do not want to have a warm attic. You only want the temperature in the attic to be about 5 degrees warmer than the outside temperature. Proper attic insulations will also help you save money on your heating bills in the process. It would also be a good idea to get a ventilator for the attic to help distribute the air evenly.

    Another problem you may encounter is frozen pipes. Since most of your plumbing is located in the outer walls most of the pipes are exposed to colder air than the temperature your thermostat is set. Given that it is possible your pipes can freeze even if your thermostat is set significantly above the freezing point. Here are some things you can do that will reduce your exposure to freezing pipes:

  • All unfinished rooms (including garages) should be properly insulated. In addition you should insulate the pipes.
  • All pipes that go to outdoor faucets should be shutoff at the end of the Fall season.
  • If you are away you can expose plumbing to warmer air by opening cabinets.
  • This information was brought to you by the Robert L. Summers Insurance Agency (617-542-8432) in Boston, Massachusetts. The Robert L. Summers Insurance Agency sells Massachusetts Homeowners Insurance as well as Massachusetts Renters and Condo Insurance.

    This information is advisory in nature. No liability is assumed by reason of the information in this document. Massachusetts Homeowners Insurance
    Massachusetts Home Insurance
    Massachusetts Auto Insurance
    Tax Audit Defense
    Legal Insurance
    Massachusetts Renters Insurance
    Massachusetts Condo Insurance
    Massachusetts Personal Umbrella Policy
    Massachusetts Dwelling Fire Insurance
    Massachusetts Personal Inland Marine Insurance

    03/29/2009 10:33 AM

    Temporarily Renting Your home

    A friend of mind recently traveled around the country for one year. He did not want to leave his house vacant because it is dangerous and uninsurable under a Massachusetts Homeowners Policy. So he rented the house for one year. Here are some steps he took and you should take to help protect his property if you are going to rent it for the short term:

  • Make sure you tell your insurance agent that you are renting your house as coverage’s will change.
  • Get a property manager to watch over things while you are away.
  • Draw up a lease that are specific as to the time period, the number of people intended to occupy the house, whether or not you are going to let them have pets and the type of pets, the rent amount with default provisions and a security deposit amount.
  • Take pictures of your house before you leave. Take pictures of the rooms as well.
  • If you do not know the tenants personally make sure you get references and follow up on those references. Know exactly who is going to be living in your house.
  • Move all valuables and valuable personal effects out of the house. Either leave them with a relative or put them in a safe deposit box.
  • For a small fee you can maintain your phone number and not allow the new tenant access to it. That way the tenant will be required to get another phone number for themselves and you will not lose your phone number.
  • Let your neighbors know and give them your contact information in the event of an emergency.
  • You may want to consider changing your locks after the rental period.
  • This information was brought to you by the Robert L. Summers Insurance Agency (617-542-8432) in Boston, Massachusetts. The Robert L. Summers Insurance Agency sells Massachusetts Homeowners Insurance as well as Massachusetts Renters and Condo Insurance.

    This information is advisory in nature. No liability is assumed by reason of the information in this document. Massachusetts Homeowners Insurance
    Massachusetts Home Insurance
    Massachusetts Auto Insurance
    Tax Audit Defense
    Legal Insurance
    Massachusetts Renters Insurance
    Massachusetts Condo Insurance
    Massachusetts Personal Umbrella Policy
    Massachusetts Dwelling Fire Insurance
    Massachusetts Personal Inland Marine Insurance

    03/09/2009 09:01 AM

    Insuring Your Laptop

    Laptops are becoming more popular than briefcases especially for the business traveler. There are more wireless internet connections available to keep up with the use of laptops. Of course with the popularity of laptops comes a new wave of laptop crime. Thieves steal both hardware and software.

    Laptops for personal use are covered under a Massachusetts Homeowners Insurance Policy but any valuable software or files are not covered. You should speak to your insurance agent regarding your specific use of your laptop.

    Here are some suggestions for protections if you have a laptop:

  • Use a weatherproof, padded, inconspicuous carrying case for storing and transporting laptops.
  • Use a locking cable to secure the laptop to a desk.
  • Use password locking programs
  • Write down the laptop’s serial number for future reference.
  • Use encryption programs with file compression capability
  • Maintain Anti-virus software
  • Do not leave your laptop in front of windows and do not leave your laptop unattended in an office environment.
  • Engrave your name or a company name on the laptop. Putting an email address on it is also a good idea.
  • Use a disk drive lock to prevent unauthorized access and operation.
  • Do not leave your laptop in your car. Lock it in the trunk.
  • Avoid storing your laptop in vehicles during very cold or very hot weather. If unavoidable, use an insulated case.
  • This information was brought to you by the Robert L. Summers Insurance Agency (617-542-8432) in Boston, Massachusetts. The Robert L. Summers Insurance Agency sells Massachusetts Homeowners Insurance as well as Massachusetts Renters and Condo Insurance.

    This information is advisory in nature. No liability is assumed by reason of the information in this document. Massachusetts Homeowners Insurance
    Massachusetts Home Insurance
    Massachusetts Auto Insurance
    Tax Audit Defense
    Legal Insurance
    Massachusetts Renters Insurance
    Massachusetts Condo Insurance
    Massachusetts Personal Umbrella Policy
    Massachusetts Dwelling Fire Insurance
    Massachusetts Personal Inland Marine Insurance

    03/08/2009 06:02 AM

    What To Do Before, During and After a Storm to Minimize Your Insurance Losses

    It is the responsibility of the insured to make every attempt to minimize losses especially during a storm. There is very specific language to that effect in the Massachusetts Homeowners Insurance Policy. Below are steps you can take to minimize losses and also provide more safety for you and your family:

    Before a Storm:

  • Refill prescription medicine especially if elderly people are involved
  • Tune to your local TV or Radio Station
  • Take pictures of the outside of the house.
  • Make sure you have plenty of food especially canned goods
  • Make sure your car has plenty of Gas
  • If high winds are expected board or shutter windows and doors
  • Make sure gutters and down spouts are clear of debris.
  • Make sure any watercraft or lawn furniture is secure.
  • During a Storm:

  • Stay indoors and away from windows
  • Unplug non-essential electric appliances
  • Fill containers with drinking water
  • Fill coolers with ice
  • Turn up refrigerator to maximum cold
  • Use phone for emergency calls only and keep your cell phone charged and available
  • Move all of your valuable items upstairs
  • After the Storm

  • Take pictures of any damage
  • Check for gas leaks
  • See if you can control any further damage if you have a loss
  • Report any utility damage or down lines
  • Discard spoiled food and water
  • This information was brought to you by the Robert L. Summers Insurance Agency (617-542-8432) in Boston, Massachusetts. The Robert L. Summers Insurance Agency sells Massachusetts Homeowners Insurance as well as Massachusetts Renters and Condo Insurance.

    This information is advisory in nature. No liability is assumed by reason of the information in this document. Massachusetts Homeowners Insurance
    Massachusetts Home Insurance
    Massachusetts Auto Insurance
    Tax Audit Defense
    Legal Insurance
    Massachusetts Renters Insurance
    Massachusetts Condo Insurance
    Massachusetts Personal Umbrella Policy
    Massachusetts Dwelling Fire Insurance
    Massachusetts Personal Inland Marine Insurance

    02/07/2009 09:49 AM

    Insuring Jewelry

    I know you don’t even want to think about your jewelry getting lost or stolen. It leaves most of us with an uneasy feeling. Since more than $1 billion of jewelry per year disappears in the United States unfortunately you do have to think about it.

    Here are some very important things you need to know about protecting your jewelry under a Massachusetts Homeowners Insurance Policy:

  • Some Jewelry Coverage is included in a Massachusetts Homeowners Insurance Policy.
  • What is included in most Homeowners policies is protection from fire or theft not for items lost or misplaced.
  • The coverage in your Homeowners policy is typically limited to $1,000.
  • To obtain the most coverage you should “Schedule” your jewelry and get each piece individually listed with a description and an appraisal. Generally this covers most jewelry losses.
  • Jewelry should be re-appraised every 2 to 4 years so it reflects current values.
  • To reduce your premium get “in vault” coverage if you store your jewelry in a bank vault. Note that you must notify the insurance company if you take the jewelry out of the vault storage otherwise there is no coverage.
  • There is usually an upper limit on what insurers will insure on a schedule.
  • What a Jewelry appraisal should include:

  • The weight of the item
  • The color of the item
  • The grade of the item
  • The clarity of the item
  • The precious metal content of the item
  • The hallmark of the item
  • Taking pictures Appraisals and photographs of the item should be stored in a safe place outside your home, such as in a bank safe deposit box.
  • When you take pictures of your Jewelry it is a good idea to store the pictures off site or on a computer that has off site backup.

    This information was brought to you by the Robert L. Summers Insurance Agency (617-542-8432) in Boston, Massachusetts. The Robert L. Summers Insurance Agency sells Massachusetts Homeowners Insurance as well as Massachusetts Renters and Condo Insurance.

    This information is advisory in nature. No liability is assumed by reason of the information in this document. Massachusetts Homeowners Insurance
    Massachusetts Home Insurance
    Massachusetts Auto Insurance
    Tax Audit Defense
    Legal Insurance
    Massachusetts Renters Insurance
    Massachusetts Condo Insurance
    Massachusetts Personal Umbrella Policy
    Massachusetts Dwelling Fire Insurance
    Massachusetts Personal Inland Marine Insurance

    Insurance: Home Owners Renters Articles from EzineArticles.com

    Insurance: Home Owners Renters Articles from EzineArticles.com

    EzineArticles.com - Trusted By Millions as The Source For Quality Original Articles


    11/06/2009 08:27 PM
    Homeowner Insurance - Don't Believe These Untruths
    There are some basic untruths you should know not to believe about home insurance. Just in case you do not know them, let us look at them so we won't fall victim to any of them.
    11/06/2009 03:20 PM
    7 Tips to Save You Money on Your Home Insurance
    A recent jump in the cost of home insurance makes comparison shopping for the best homeowners insurance quotes more important than ever if you are one of those concerned with not leaving money on the table. The huge number of people taking advantage of low interest rates to move to a bigger home or improve the existing one is a factor in the increased rates. More property to insure means higher homeowners insurance rates.
    11/06/2009 11:52 AM
    What's Going to Happen to Your Homeowners Insurance When You Call in a Contractor?
    Most of us take our insurance company's word for it when they tell us we're covered, and we don't take the time to find out where they're wrong-until it's far too late. That goes double for homeowners insurance when there's a contractor involved.
    11/06/2009 11:02 AM
    Get the Right Home Insurance Coverage and Save Thousands
    There are two ways you can lose money in a home insurance cover. 1, Being under covered. 2, Being over covered. You are sure to lose money either in the short or long run if you are guilty of any of the above. There is therefore a great need to know the exact extent of home insurance coverage you need.
    11/06/2009 09:26 AM
    What is House and Content Insurance?
    We have all heard about home owners insurance. It is an insurance policy that is there to protect you against certain unforeseen circumstances. Read the rest to learn more.
    11/05/2009 05:21 PM
    Home Insurance Claim
    It is recommended to insure your home insurance properly, the insurance company fully repairs or replaces your home if it is damaged or destroyed by a covered cause of loss such as a fire, flood, or whatever your policy happens to cover. For home insurance that insured for less than its full replacement cost, you need to be aware of two possible claims penalties.
    11/05/2009 05:05 PM
    When Was the Last Time You Reviewed Your Insurance Policy?
    If you're like most homeowners, you carefully selected a homeowner's insurance policy when you purchased your home. You made sure that you had adequate coverage based on the value of your home, its contents, and your financial needs at the time. However, if you've been in your home for a number of years, it's highly likely that your situation has changed - for better or for worse.
    11/05/2009 03:46 PM
    Home Insurance Buying Guide
    Any consumer with a mortgage is most likely required to maintain home insurance that will protect both the homeowner and the lender in the event of any major catastrophe. However, many required policies don't have an adequate level of protection for unfortunate occurrences such as theft or loss. It is important for homeowners to understand what it is that their home insurance actually covers, and only then can the appropriate decisions about levels of coverage be made.
    11/05/2009 02:42 PM
    Understanding Homeowner Insurance and Choosing Rightly
    Homeowner insurance is an example of property insurance that deals with coverage for most types of private homes or buildings. These policy is almost actually a combination different policies which combine to provide protection to your home, its contents and whatever liabilities that may arise.
    11/04/2009 04:04 PM
    The Best Home Warranty Plan - How to Choose
    Here are some things to consider before you choose a home warranty company to use. Keep the following things in mind when you are comparing home warranty companies online...
    11/04/2009 03:35 PM
    Get the Best Homeowners Insurance Quotes From Top-Rated Companies
    The best homeowners insurance quotes are as close as your computer. This article shows you how you can find great rates on homeowners insurance just by going online.
    11/04/2009 03:05 PM
    Why Won't Insurance Cover My Destroyed Home?
    Dealing with a terrible disaster that resulted in severe or complete damage to a beloved home is unbelievably tough and stressful, but it is nothing compared to the despair felt when the insurance company states that the loss is not covered.
    11/04/2009 11:10 AM
    Homeowners Insurance - Insuring the Finer Things in Life
    This article will give you a improved understanding of how to protect your valuables if they're not insured in your homeowners insurance policy. Ask agents how to better protect your valuables. Most homeowner policy insurance coverage amounts are fixed for certain valuables such as jewelry, coins, stamps, furs and collectibles. If you have high-value items in your house, you need a well-thought-out risk management plan.
    11/04/2009 10:27 AM
    Title Insurance - Effective Way of Protecting Your Investment
    Home acquisition takes a lot of requirements before you finally materialize and fulfill your life-long dream of having your very own house. One of the most important things to supply in order to have your loan approved is a title insurance which the lender primarily requests.
    11/04/2009 09:59 AM
    How to Find Cheap Home Insurance
    You often hear people complain about their premiums. Yet they have only themselves to blame as they have not fully researched their cheap home insurance options. It is a legal requirement that you have property and liability insurance but that does not mean you have to bankrupt yourself paying extra for it.
    11/03/2009 04:19 PM
    Homeowners Calculator - Find Low Cost Insurance
    A homeowners insurance calculator can help you get the instant low cost insurance quotes you're looking for. You may be wondering what is a homeowners calculator and how can it help me find low cost insurance quotes.
    11/03/2009 03:04 PM
    Cheapest Rate Home Insurance Online
    When it comes to searching for the lowest home insurance rate, then you may be arranging meetings and asking for a suitable rate over the phone. Well it is important to save funds on homeowners insurance.
    11/03/2009 12:29 PM
    Seek Maximum Protection With Buildings & Contents Insurance!
    If you are a landlord or a property owner, and have a sizeable amount of property, you must safeguard it with buildings & contents insurance. Property is the most valuable possession for a property owner. Safeguarding it against all kinds of risks becomes the prime duty of the landlord.
    11/03/2009 10:42 AM
    6 Tips to Get Cheaper Contents Insurance
    We are legally obliged to insure our homes and our cars but it is a good idea to also cover our possessions. Finding cheap contents insurance shouldn't be too difficult if you know these tips:
    11/02/2009 08:23 PM
    Home Insurance Basics - Basic Things to Know When Getting Home Insurance
    Home insurance is one of the types of property insurance where what are covered are private homes. Getting your house insured is not an easy task. One should consider several things before signing that insurance policy. Below are some of the homeowners insurance basics to consider when getting insurance for home owners.
    11/02/2009 05:11 PM
    Simple Tips on Choosing Homeowner Insurance
    Both homeowner insurance values and premiums can vary from state to state in the USA and therefore it is important that you get the right sort of home insurance coverage for the place where your home is located. In this article we will specifically look at ways for getting homeowner insurance given by all the providers who have offices in your area and you will see just how easy it is.
    11/02/2009 02:55 PM
    Reasons to Have Your Home Insured
    Getting a home insurance is imperative because the home is a haven for many. Therefore getting a home insurance ensures that you can sleep easier and relax better because you are sure that no matter what eventualities that arise, your home is covered.
    11/02/2009 02:55 PM
    Tips For Getting the Right Plan For Homeowner Insurance
    It is not so easy to get an insurance policy that suits you, putting into consideration the fact that you have to work within a budget. That you need to secure your home with a homeowners insurance policy is imperative.
    11/02/2009 12:11 PM
    Renting Out Your Property - The Nightmare Stories
    WHEN you rent out a property you have to be prepared for all sorts of tenants and what they may do to your property. The benefits of being a landlord are potentially capital gains in property value along with regular rental income when the property is let. The downfalls however can be the stuff of nightmares.
    11/02/2009 10:04 AM
    How to Insure the Valuables in Your House
    Most of your valuable personal possessions are likely to be in your home and it is important to invest in an insurance policy to protect those items from damage, theft, or loss. While many standard home owners' insurance policies cover some items, it is likely that you will have to purchase a specialized policy that specifically covers all of your contents.
    11/02/2009 08:53 AM
    Many People Pay Extra Money on Homeowners Insurance - You Do Not Have To
    The homeowners insurance rates are different by hundreds of dollars between insurance companies. Luckily the Internet made comparing different homeowners quotes fair easy. As you search through your homeowners insurance, use the following tips to fully save your potential costs.
    10/30/2009 05:07 PM
    Homeowner Insurance - Will I Be Protected Against Floods, Hurricanes and Other Unpredicted Events?
    You have been a home owner already for some time, and noticed the increasing likelihood of a natural disaster or other unforeseen events affecting your house. Or you are thinking about getting a new home insurance and are not aware of the available policies actually cover.
    10/30/2009 02:15 PM
    Affordable Homeowner's Insurance For Doberman Pinscher Owners
    If you own a Doberman Pinscher and aren't sure where to get homeowners insurance, here is some information that will help you get you home insured, and your dogs liability covered. Many companies won't cover certain breeds of dogs. In fact most companies won't even cover your home if they know you own a certain breed.
    10/30/2009 12:26 PM
    Homeowners Insurance - Reducing the Risk of Residential Fires
    Imagine a fire alarm sounding every 19.2 seconds, day and night for a year, and you will have an idea of how many fires are reported in the United States every year. According to a study released by the National Fire Protection Association in September 2007, U.S. fire departments responded to 1,642,500 fires in 2006.
    10/30/2009 10:52 AM
    Home Owner's Insurance - Exclusions to Home Owner's Insurance Coverage
    Many homeowners do not realize that their homeowners insurance policies do not insure against all possible threats to their homes. This article covers six of the most common threats excluded, and measures homeowners can take to protect their homes.
    10/29/2009 08:02 PM
    Tips For Affordable Homeowner Insurance
    The first thing you need to do when getting a home insurance, is to sample the ranges of the rates of as many companies as you can then settle for that which is most attractive to you. Getting home insurance is advised because mortgage companies expect it from people who get mortgage for their homes.
    10/29/2009 05:24 PM
    The Pros and Cons of Choosing a New Homeowners Insurance Company
    Theoretically, once you've found a homeowners insurance company that's going to give you a good deal without charging you a fortune for it you should stick with it, right? Maybe. Maybe not. Sometimes when you're playing the insurance game you have to weigh the odds and make the choice to stay or to go based on what's going to be best for your wallet in the short term as well as the long-and sometimes that means bidding a fond farewell to your current provider, no matter how good a deal they cut you when you first bought your policy!
    10/29/2009 04:56 PM
    Property Owners Liability
    Every building owner should become as much of an expert on insurance as possible. Too little coverage means a lot of money to be paid out of pocket when a claim needs to be filed. The combination of building and contents insurance covers the 'classic' dangers such as floods, fires, vandalism, and sometimes accidental damage, but still leave a vital vulnerability that could cause the loss of property as surely as any physical catastrophe. Property owners' liability insurance fills in this gap, so a lawsuit does not create a cost that cannot be paid.
    10/29/2009 04:04 PM
    Homeowner Insurance Myths
    Most homeowners and home buyers think they have a good understanding of home insurance, but that isn't always the case. Here are 3 myths about homeowners' insurance dismantled.
    10/29/2009 03:34 PM
    Homeowners Calculator - Find Low Cost Insurance
    A homeowners insurance calculator can help you get the instant low cost insurance quotes you're looking for. You may be wondering what is a homeowners calculator and how can it help me find low cost insurance quotes.
    10/29/2009 12:55 PM
    Comprehensive Information on Home Insurance Coverage
    Being a homeowner is a dream many people have, therefore you need to save for some years to achieve this dream because it is not a cheap dream. You really need to get a home insurance even if you want to get a mortgage.
    10/29/2009 12:41 PM
    Tips For Saving Money on Residence Insurance
    You can greatly reduce the rates you pay for residence insurance. It does not matter if you live in a condominium house, a mobile home or a regular house. There are few proven steps that if followed, will help you save on your residence insurance policy.
    10/29/2009 12:41 PM
    The Levels of Coverage in Residence Insurance
    The first step when looking for residence insurance is to know the type of policy (the Limited HO-1, Basic HO-2 or the Special HO-3) you want. The moment you are sure of the right type to buy, you then have to understand the level of coverage available to your cover need.
    10/29/2009 12:41 PM
    Your Dog Breed, Your Home Insurance Provider and Your Premium
    Make no mistakes, the breed of dog you own affect the rates you are given by home insurance companies. While the larger in size breeds like Pit bulls and Wolfdogs are known to increase insurance rates, there are other breeds that home insurance providers seem to ignore.
    10/29/2009 12:34 PM
    The Best Homeowners Insurance For Adequate Protection
    Your home is one of your most valuable assets. Give it adequate protection with the best homeowners insurance.
    10/29/2009 12:34 PM
    Get the Most Out of Your Residential Insurance
    Residential insurance provides protection to your home against potential hazards such as smoke damage, explosions or fire. Understanding each homeowners insurance will help you a lot in making an informed buying decision.
    10/29/2009 10:58 AM
    Homeowners Insurance - Five Things to Know About Earthquake Insurance
    Since 2005, earthquakes powerful enough to be felt by people have occurred in 40 of the 50 states, according to the United States Geological Survey. Not surprisingly, Alaska, California, and Hawaii lead the nation in frequency and size of earthquakes, but other states have significant numbers of quakes as well.
    10/29/2009 10:57 AM
    Would Your Home Be Restored to Original Condition?
    Nearly sixty percent of homeowners in America are under insured. In the event disaster strikes your home, will your homeowners insurance cover all of the damage?
    10/29/2009 10:56 AM
    Homeowners Insurance Makeover
    After a home remodel, homeowners often find their homeowners insurance coverage to be inadequate. Here are steps you can take to make sure your homeowners insurance will protect your investment and property.
    10/29/2009 10:49 AM
    Home Owner's Insurance - Exclusions to Home Owner's Insurance Coverage
    Many homeowners do not realize that their homeowners insurance policies do not insure against all possible threats to their homes. This article covers six of the most common threats excluded, and measures homeowners can take to protect their homes.
    10/29/2009 10:48 AM
    Homeowners Insurance Liability Coverage
    Picture this scenario: You remove a damaged plank from the deck on the side of your house, intending to replace it, but you are interrupted and do not finish the project by evening. You tell your family members about the missing plank, but you do not mark the potential danger with a caution sign or tape. You do not anticipate that an acquaintance will stop by that very night and decide to seek entrance from the deck instead of through the entry door...
    10/29/2009 10:48 AM
    Homeowners Insurance - Don't Get Bitten by Homeowners Insurance Liability
    For the 40% of Americans who are dog owners, dog bites are an unfortunate reality they face. Here are steps dog owners should take to avoid liability for their pet's wild side.
    10/29/2009 09:11 AM
    Homeowners Insurance - 3 Sure Tips to Help Insure For a Lesser Premium Rate
    Many people feel bad after paying their first premium for homeowners insurance. There are a number of things you must do and know to help guide you to insuring for a much lesser premium rate. I will take you through the simple, easy, and free tips you need to make savings for yourself but make sure you do not underestimate this coverage because if you do all correctly as i instruct you can sure of saving close to $2000 for insuring your home.
    10/28/2009 10:51 PM
    Getting the Wrong Home Insurance Coverage Could Cost You Thousands - Protect Your Home & Save
    If you purchase the wrong type of home insurance, this is the kind of mistake that can end up costing you thousands of dollars. It is important to read the insurance policy you are considering very carefully to make sure you are getting the type of home insurance that you need.
    10/28/2009 10:49 PM
    How to Save Hundreds on Home Insurance and Have More Money For Yourself
    The many frightening tragedies that can plague homeowners are often enough motivation to select an appropriate home insurance policy. There is a tremendous amount of liability associated with owning a home, but adequate coverage can help alleviate the potential stress.
    10/28/2009 08:30 PM
    Getting Cheap House Insurance is Super Easy
    Literally, for most people there is no better investment than getting their own house. Conversely, this calls for utmost importance when it's about safeguarding that big investment. Therefore, it is the responsibility of the homeowner to acquire home insurance for the house, and it also remains the duty of the insurance buyer to ensure that the coverage sufficiently supplies the needed protection.
    10/28/2009 05:40 PM
    Buildings - Accidental Damage
    Sometimes standard building insurance is not enough. Accidental damage insurance is there to fill in the gap in coverage. There is no telling what will happen in day to day life and small children in the house only increase the chance of some minor disaster occurring. Accidents are almost inevitable in today's busy households, and insurance can prevent a minor catastrophe from becoming a major one. Homes and businesses are often well-insured against real disasters like fire and flood, but accidents are far more likely to happen and far less likely to be adequately covered by insurance.
    10/28/2009 12:13 PM
    Homeowners Insurance - Reducing the Risk of Residential Fires
    Imagine a fire alarm sounding every 19.2 seconds, day and night for a year, and you will have an idea of how many fires are reported in the United States every year. According to a study released by the National Fire Protection Association in September 2007, U.S. fire departments responded to 1,642,500 fires in 2006.
    10/28/2009 11:26 AM
    Avoid a Backyard Brawl With Homeowners Insurance
    Fortunately, if you've invested in a quality homeowners insurance policy, you'll be glad to know that liability coverage should cover any hefty medical bills that the hospital decides on. Standard homeowners insurance includes the following.
    10/28/2009 11:14 AM
    Is it Wise to Purchase Home Contents Insurance?
    While home contents cover might not be a legal requirement, it is a wise investment for those homeowners who have valuable contents to protect. After all, today's electronics and computers cost a pretty penny. If anything happened to them, you would surely miss them. Therefore, getting home contents cover is a good decision when it comes to protecting your personal possessions. Once you add in your jewellery, clothing, DVDs, CDs, furniture, and everything else you own, you should understand the importance of obtaining this type of cover.
    10/28/2009 11:10 AM
    Get Cheaper Home Contents Insurance and Protect Your Home at the Same Time
    If you own a home, then you are probably looking to lower your costs while also providing protection for what you own. Purchasing home contents insurance is certainly at the top of your list. However, you might become a bit sticker shy as you discover the cost of providing yourself with home contents insurance coverage. Fortunately, a few strategies exist that you can use to lower the cost. Some of these strategies can also increase the safety of your home contents as they lower the risk of damage or theft.
    10/28/2009 10:55 AM
    Buying Cheap Landlord Insurance is Not Rocket Science
    Many people say that the only way to buy cheap landlord insurance is not to buy insurance at all. When you rent your property to generate passive income, it is foolish to think that no protection is needed. With careful consideration, it is possible to buy cheap insurance irrespective of the property you own.
    10/28/2009 10:53 AM
    Landlord Insurance Don'ts
    Landlord insurance is vital for a property owner of a small flat as well as for a property tycoon who is busy renting out properties. Before buying insurance, you must know what you should not do because it is these simple overlooked factors that cost more at the end. With more caution and some knowledge, you can easily buy an affordable buy to let insurance that is profitable for you.
    10/28/2009 10:53 AM
    Three Reasons to Buy Let Insurance
    Owning rental homes will generate passive income as long as you own the property. Today, landlords market is very flourishing because more and more people are looking out to rent buildings. If you own a potential property that can attract handsome rents, then the best option is to consider renting it out. However, when you decide to generate income from your property by renting, you should know about let insurance.
    10/28/2009 10:53 AM
    What to Look For in Buy to Let Insurance
    Furniture and fixings you have in your property must be insured. Things like carpet, chairs, sofas and other decorative items that you rent out must also be insured because tenants insurance will cover only those things owned by your tenant. Any damage to the furniture will cost you and your insurance should cover it.
    10/28/2009 10:52 AM
    Why You Shouldn't Buy Normal Insurance For a Property You Intend to Rent Out
    Homes are valuable assets that deserve maximum possible protection. Sometimes, home owners buy properties to let the property for rent. A tenant approved by the property owner will occupy the property for specific terms as set by the landlord. If you are not living in your home, you have to buy landlord insurance for homes you intend to rent out. Many people don't understand the difference between home insurance and landlord insurance.
    10/28/2009 08:50 AM
    Buying Cheap Landlord Insurance is Not Rocket Science
    Many people say that the only way to buy cheap landlord insurance is not to buy insurance at all. When you rent your property to generate passive income, it is foolish to think that no protection is needed. With careful consideration, it is possible to buy cheap insurance irrespective of the property you own.
    10/28/2009 08:48 AM
    Doberman Insurance - Homeowners Insurance & the Doberman Pinscher
    Do you want to add a Doberman Pinscher to your family? Have you bought a Doberman Pinscher already? If so, you may run into problems finding a homeowner's insurance company that will cover your home & dog liability.
    10/27/2009 08:41 PM
    How Title Insurance Protects You
    Investing in a property is very important for us. We work hard to afford the mortgage. We look for our ideal home and hope to stay in that house for a long time. This is why we want to be certain that our home has a good, clean title. In order to protect us, we, the home buyers, are required to have title insurance.
    10/27/2009 05:27 PM
    Insurance Advice For Owner Builders
    So you want to build your own house and add that personal touch to your home? This is becoming increasingly popular and ensuring that you have the correct insurance coverage is vital. The key to a successful self-built project is to make sure that you are fully insured from the start.
    10/27/2009 05:17 PM
    What is a Reciprocal Insurance Exchange?
    Reciprocals have been around for many years, but many times get looked over for more popular types of insurance, most notably Mutual Insurance Companies(Nationwide, Liberty Mutual) and Stock Insurance Companies(Allstate, Geico, AIG). However, in recent years there has been a rise of interest in reciprocal insurance, especially as more nonprofit groups search for the best means to insure their members without creating taxable income.
    10/27/2009 04:34 PM
    Why You Shouldn't Buy Normal Insurance For a Property You Intend to Rent Out
    Homes are valuable assets that deserve maximum possible protection. Sometimes, home owners buy properties to let the property for rent. A tenant approved by the property owner will occupy the property for specific terms as set by the landlord. If you are not living in your home, you have to buy landlord insurance for homes you intend to rent out. Many people don't understand the difference between home insurance and landlord insurance. Buying ordinary home insurance without disclosing that the property is rented out can be devastating because insurance companies may cancel the policy when they come to know that the property is actually rented. Further, essential protection for landlords is not provided by normal insurance.
    10/27/2009 04:33 PM
    What to Look For in Buy to Let Insurance
    Furniture and fixings you have in your property must be insured. Things like carpet, chairs, sofas and other decorative items that you rent out must also be insured because tenants insurance will cover only those things owned by your tenant. Any damage to the furniture will cost you and your insurance should cover it.
    10/27/2009 04:32 PM
    Three Reasons to Buy Let Insurance
    Owning rental homes will generate passive income as long as you own the property. Today, landlords market is very flourishing because more and more people are looking out to rent buildings. If you own a potential property that can attract handsome rents, then the best option is to consider renting it out. However, when you decide to generate income from your property by renting, you should know about let insurance.
    10/27/2009 04:31 PM
    Landlord Insurance Don'ts
    Landlord insurance is vital for a property owner of a small flat as well as for a property tycoon who is busy renting out properties. Before buying insurance, you must know what you should not do because it is these simple overlooked factors that cost more at the end. With more caution and some knowledge, you can easily buy an affordable buy to let insurance that is profitable for you.
    10/27/2009 04:19 PM
    The Best Homeowner's Insurance - Understanding Policy and Coverage
    The best homeowners insurance is the one thing that could give full protection to your home. By knowing and understanding each policy and coverage, you will be able to choose the insurance that is right for your living situation.
    10/27/2009 04:19 PM
    Factors to Consider When Choosing Basic Homeowner's Insurance
    There are many companies that offer insurance products designed to protect your home. It is important then that you know what to look for in the basic homeowners insurance.
    10/27/2009 04:05 PM
    Familiarize Yourself With Basic Homeowners Insurance
    As with any major investment, purchasing a basic homeowners insurance requires careful planning. The bottom line is, you have to understand a homeowners insurance policy before you decide on which one to purchase.
    10/27/2009 02:04 PM
    Residence Insurance - Quality Protection For Your Investment at a Cheap Price
    It is important that you note that residence insurance is not really a specific type of insurance protection. Residence insurance simply defines any quality homeowners insurance protection you buy to protect your valuable investment.
    10/27/2009 12:57 PM
    How Your Dog Pet Affects the Rates You Pay For Homeowners Insurance
    Home insurance companies will check your dog breed and size when calculating the rates they give you. They do this because different dog breeds behave differently. Some are more destructively dangerous than others; this makes them a source of concern to insurance providers.
    10/27/2009 12:53 PM
    Getting to Know the Types of Renter's Insurance
    Some people assume that the insurance the landlord signs up for would cover the tenant's possessions too in the event of a disaster but unfortunately, this is a very misleading perception. It is far from being accurate at all.
    10/27/2009 12:49 PM
    Why You Should Get Renters Insurance
    It is senseless these days to not have proper insurance coverage to protect your assets. Once you have spent your hard-earned money buying the stuff that you want, it would be wise to protect it with an insurance policy, just in case something happens that requires you to replace them.
    10/27/2009 12:00 PM
    Getting Homeowners Insurance
    Whether you own a home or rent one, having home owners insurance is essential for protection and peace of mind. One of the problems is that the cost of coverage can vary greatly from company to company. A great way to solve that problem is to get multiple home insurance quotes.
    10/27/2009 11:26 AM
    Landlord Insurance Vs Renters Insurance - Useful Tips
    The landlord is responsible for protecting damage or loss caused by home buildings, condominiums or the single-family buildings where renters or tenants live. A Renter, on the other hand, is required to purchase contents insurance to protect his or her own valuable properties. Properties like electrical devices, electronic gadgets and furniture.
    10/27/2009 09:42 AM
    What is Replacement Cost Anyway?
    With property values down should you lower your home insurance? Does anyone really know the definition of replacement cost?
    10/26/2009 11:31 PM
    Battling Increased Theft Risk With Home Insurance
    As the clocks turn back, homes and gardens need that extra bit of attention to ensure they remain secure. Home insurance provider Cornish Mutual finds that theft claims traditionally increase with the longer hours of darkness with most thieves preferring to operate during the night. Therefore, property owners are warned to take extra steps to ensure their valuables are kept safe and to keep thieves at bay.
    10/26/2009 11:31 PM
    How to Protect Sofas With Home Insurance
    The average sofa will endure quite the lifetime - from nearly 300 arguments to 1,600 spillages and 1,300 cuddles. Those are the figures from home insurance provider esure, which estimates the most comfortable seat in the house will also seat up to 782 visitors and enjoy 391 lads' nights and 293 girly nights in.
    10/26/2009 10:25 PM
    Contents Accidental Damage
    Contents insurance works together with building insurance to protect not only the building, but also all the valued possessions within it. Insurance providers often offer contents accidental damage insurance for a small additional fee. A lot of personal items are often expensive to replace and many of them can be destroyed by something a simple and random as a spilled drink or a bumped table or desk. People who have small children in the home or many fragile and expensive items would benefit from contents insurance. Antiques and electronics are especially vulnerable, since they tend to fit the criteria of breakable and costly. This is just the type of thing contents insurance is made to cover.
    10/26/2009 12:58 PM
    Home Insurance - Importance and Benefits
    Buying a home is a dream for anybody. After buying the home the first thing that a person must do is to insure it. Let us discuss the reasons for insuring a home.
    10/26/2009 11:36 AM
    Unfamiliar Names in Home Insurance - Best Coverage Or Worst?
    A new trend is sweeping across the nation and it is proving to be very beneficial to consumers, but not so appreciated by large insurers. The rising cost of homeowner's insurance has lead to many opportunities available to companies willing to provide great service at reasonable premiums.
    10/26/2009 08:35 AM
    Mobile Home Insurance - Your Questions Answered
    Your mobile home is probably one of the most expensive things you own. Not surprisingly, you want to protect it from damage and destruction. Mobile home insurance can provide just the coverage you need and with a few tips, you can find an affordable policy.
    10/25/2009 11:09 PM
    Home Insurance - Smart Way to Recover the Mishaps
    Needless to mention that home is one of the most essential requirements for a human and civilisation seems to be almost impossible without homes. Therefore, everybody tries the best to safeguard his or her house. But several times some mishaps occur which result loss of property.
    10/24/2009 06:03 PM
    Doberman Insurance - Homeowners Insurance & the Doberman Pinscher
    Do you want to add a Doberman Pinscher to your family? Have you bought a Doberman Pinscher already? If so, you may run into problems finding a homeowner's insurance company that will cover your home & dog liability.
    10/24/2009 05:59 PM
    How Much Should I Insure My Buildings For?
    The first matter to consider is just what the insurance is needed to protect against. Fire is an obvious danger, but fire is not the only thing that can cause damage to a structure. Buildings near bodies of water need flood insurance. Buildings located in areas with a higher incidence of crime need insurance against theft and vandalism. Coverage against accidental damage may be wise, as well.
    10/23/2009 10:16 PM
    Homeowners Fire Insurance - Property Fire Insurance Questions
    Homeowners fire insurance is one of the most important types of insurance coverage to get so you can protect your house and your family in case of any house fires. This guide helps answer your most important questions.
    10/23/2009 03:41 PM
    Has My Tenant Abandoned My Property?
    Being a landlord, you have many responsibilities. You take care of your property and your tenants. In most cases, you cannot avoid encountering several problems, especially regarding your tenants.
    10/23/2009 02:48 PM
    How Much Should I Insure My Contents For?
    The answer to the question is not an easy one, because it is different for each person who needs insurance. Not only will different people need different types and amounts of coverage, but the rates can change depending upon circumstances, some of which are difficult to change. Factors such as the neighborhood in which the building is situated, previous insurance claims, or the cost of the contents themselves will affect the amount of insurance any contents will require.
    10/23/2009 01:18 PM
    How Can Rent Guarantee Insurance Protect You in Times of Recession Or Financial Crisis?
    Rent Guarantee insurance is a protective shield against any financial crisis as it protects a landlord's rental income regardless of recession. If you do not have an insurance in place, you may face financial difficulties during a recession and will be unable to get rent on time.
    10/23/2009 12:57 PM
    Why Home Insurance is a Good Thing to Have
    Generally speaking, home insurance is bought to protect your home from fire, damage, theft, or damages due to any kind of accident or natural disasters like floods or earthquakes, war or bomb explosions. It is safe to assume that not having sufficient insurance is literally playing with fire.
    10/23/2009 12:08 PM
    Cheap Renters Insurance Online
    There are practices which if applied, will help home renters get quality insurance protection for their home items at a cheap price. Renters insurance gives apartment renters or tenants financial coverage against damage and loss caused by a list of unplanned disasters.
    10/23/2009 12:04 PM
    A Guide to Choosing the Right Home Insurance
    There are several things to consider when looking for the right home insurance. As most of us take special pride in maintaining our homes to highest possible standards, it only makes sense to be just as diligent when searching for the proper insurance company and coverage to protect all of our hard earned assets.
    10/23/2009 11:58 AM
    Does Home Insurance Cover Subsidence?
    It may depend on the country of your residence whether or not you will need to have insurance cover subsidence problems. It may be more common to find areas deemed as higher risk for subsidence in countries such as the U.K. rather than places such as the U.S. or Canada.
    10/23/2009 11:32 AM
    Home Insurance Advice - Getting a Contractor For Your Home Repairs and Remodeling
    Paying for the services of a contractor to improve your home is a very good idea. This practise is welcomed because it adds more value to your home investment. However, you are advised to verify all contract workers' compensation coverage before you start to engage their services.
    10/23/2009 11:31 AM
    Benefits of Renters Insurance Over Homeowners Insurance - Part 1
    The factors that are responsible for the many differences in homeowner's insurance policies and renters insurance policies are numerous. The basic fact is that a landlord is very different from a home renter, so insurance companies also believes that they should be charged differently after considering factors on responsibilities and risks.
    10/23/2009 11:07 AM
    Cheap Condominium Homeowners Insurance Information
    If you are living in a condominium, you should seek for quality information about condo insurance. It pays a great deal to understand the fine prints of condominium insurance if you want to enjoy a cheap policy with high quality service.