Home Insurance Journal Archives | Home Insurance | EINSURANCE Quote, Compare, Save! Thu, 16 Jan 2025 17:02:27 +0000 en-US hourly 1 https://wordpress.org/?v=6.7.1 https://www.einsurance.com/wp-content/uploads/cropped-10390300_10152435665504197_8229944792578476094_n-32x32.png Home Insurance Journal Archives | Home Insurance | EINSURANCE 32 32 14 Practical Strategies for Seniors to Save Money on Homeowners Insurance https://www.einsurance.com/journal/14-practical-strategies-for-seniors-to-save-money-on-homeowners-insurance/ Thu, 16 Jan 2025 17:00:14 +0000 https://www.einsurance.com/?p=33675 Key Takeaways: With cost of living increases and a fixed or partially-fixed income, affordable homeowners insurance for senior citizens is extremely important. Even where you live can impact your home insurance costs. We offer 14 practical strategies and discounts ideas that will keep insurance costs under control in this volatile marketplace. Annual insurance reviews can […]

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]]> How the ‘80% Rule’ Impacts Your Home Insurance: A Complete Guide to Avoiding Costly Mistakes https://www.einsurance.com/journal/how-the-80-rule-impacts-your-home-insurance/ Thu, 12 Dec 2024 17:00:04 +0000 https://www.einsurance.com/?p=33541 Key Takeaways: It’s important to understand the difference between ‘replacement value’ and ‘market value’ which can significantly impact your insurance coverage. Ensure your homeowner’s insurance coverage meets the 80% rule which provides adequate coverage and is required by most insurance carriers and mortgage lenders. Be informed about the possible penalties and consequences if your insurance […]

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]]> Home Insurance Dropped? Essential Steps to Reclaim Coverage Fast https://www.einsurance.com/journal/home-insurance-dropped-essential-steps-to-reclaim-coverage-fast/ Tue, 26 Nov 2024 17:00:51 +0000 https://www.einsurance.com/?p=33475 Your home insurance can be dropped for a handful of reasons (and that list is getting longer and longer.) For homeowners, it’s a harrowing experience filled with anxiety and even utter panic, when they discover their home insurance company will no longer insure their property. We understand. If you need immediate help getting home insurance, […]

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]]> Bicycle Accident Insurance Coverage – What Cyclists Need to Know https://www.einsurance.com/journal/bicycle-accident-insurance-coverage-what-cyclists-need-to-know/ Thu, 19 Sep 2024 16:00:53 +0000 https://www.einsurance.com/?p=33275 Key Takeaways: Cyclists involved in accidents with motor vehicles may be covered by the driver’s car insurance policy, including UM/UIM coverage. While home insurance provides some protection, it may not cover all risks associated with bicycle accidents. Cyclists should evaluate their policies and consider additional coverage options to close the gaps in protection. Specialized bicycle […]

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]]> Why You Need to Update Your Homeowners Insurance Before Renting Out Your Property https://www.einsurance.com/journal/why-you-need-to-update-your-homeowners-insurance-before-renting-out-your-property/ Thu, 12 Sep 2024 16:00:50 +0000 https://www.einsurance.com/?p=33271 Homeowners and landlords use their property differently, so they face different risks. That’s why several distinctions exist between homeowner’s insurance and landlord insurance. For insurance purposes: A homeowner lives in a primary residence full-time. They own the home completely or make a mortgage payment. Usually, they keep most of their belongings at this home, too. […]

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]]> Does Home Insurance Cover Water Damage? https://www.einsurance.com/journal/does-home-insurance-cover-water-damage/ Thu, 15 Aug 2024 16:00:45 +0000 https://www.einsurance.com/?p=33232 Key Takeaways: Homeowners insurance policies typically cover water damage that occurs suddenly and accidentally, such as from burst pipes, appliance malfunctions, or storm-related roof damage. Gradual leaks and damage resulting from poor maintenance are generally excluded from coverage. It is crucial to thoroughly understand the specifics of your home insurance policy to know what types […]

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]]> Common Home Insurance Claims and How to Prevent Them https://www.einsurance.com/journal/common-home-insurance-claims-and-how-to-prevent-them/ Thu, 25 Jul 2024 16:00:06 +0000 https://www.einsurance.com/?p=33198 You buy homeowner’s insurance to protect yourself from expensive losses. And as a savvy consumer, you know that too many claims on your home insurance policy can lead to increased premiums, difficulty finding affordable insurance, and even non-renewals. No one wants to struggle to find affordable homeowner insurance. That’s why it’s vital to learn about […]

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]]> Does Climate Change Affect Your Homeowners Insurance? https://www.einsurance.com/journal/does-climate-change-affect-your-homeowners-insurance/ Thu, 20 Jun 2024 16:00:01 +0000 https://www.einsurance.com/?p=33172 Absolutely, yes. Climate change will affect your homeowner insurance over the upcoming years in a myriad of ways. Whether these changes manifest as increasing premiums, reduced coverages, new exclusions, non-renewals, or a combination of all these points, property owners in the US can expect to see significant changes to their home policies. In this article, […]

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]]> Homeowners Insurance Endorsements – All You Need to Know https://www.einsurance.com/journal/homeowners-insurance-endorsements/ Thu, 30 May 2024 16:00:57 +0000 https://www.einsurance.com/?p=33146 Homeowner’s insurance endorsements are extra coverages you can buy to protect yourself, financially. Not every consumer needs endorsements. But some do, and it’s our goal at Einsurance.com to make sure everyone gets the right insurance for their situation. So, if you’re curious about homeowner’s insurance endorsements, or if you’re wondering about prices, keep reading. We’ll […]

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]]> What’s the Difference Between Home Insurance and a Home Warranty? https://www.einsurance.com/journal/whats-the-difference-between-home-insurance-and-a-home-warranty/ Thu, 28 Mar 2024 16:00:55 +0000 https://www.einsurance.com/?p=33050 Home insurance and home warranties are not the same. Each provides different protections, and some homeowners feel more comfortable if they have both types of policies. This article aims to explain the differences between homeowner’s insurance policies and home warranties. Written by our team of licensed insurance agents, this piece provides consumers with unbiased, honest, […]

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]]> Does Homeowners Insurance Cover Hail Damage? https://www.einsurance.com/journal/does-homeowners-insurance-cover-hail-damage/ Thu, 29 Feb 2024 17:00:38 +0000 https://www.einsurance.com/?p=32916 Usually, yes. Homeowners insurance will often cover hail damage. There are instances when your insurer may refuse to cover hail damage. For instance, if hail is excluded on your policy, or if your home insurance policy was recently cancelled for non-payment, you will likely pay for these repairs out of pocket. At Einsurance.com, we provide […]

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]]> How to Deal with an Insurance Adjuster https://www.einsurance.com/journal/how-to-deal-with-an-insurance-adjuster/ Thu, 30 Nov 2023 17:00:21 +0000 https://www.einsurance.com/?p=32656 Key Takeaways: Insurance adjusters for homes and vehicles have different types of expertise but are basically responsible for the same thing — valuating your property’s damage and issuing compensation based on your coverage. Being prepared with the event information, details, estimates, and knowledge of your insurance coverage can help you during the claims process. We […]

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]]> Does Homeowners Insurance Cover Dorm Rooms? https://www.einsurance.com/journal/does-homeowners-insurance-cover-dorm-rooms/ Thu, 14 Sep 2023 16:00:48 +0000 https://www.einsurance.com/?p=32497 Generally, yes. Your homeowners insurance policy (HOP) will cover many of your child’s belongings while they’re away at college, as long as they’re living on campus. It will not cover them in off-campus student housing or other apartments. However, the coverages supplied by a traditional HOP may be quite limited. For instance, coverage on expensive […]

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]]> Homeowners Insurance Exclusions—What’s NOT in Your Policy? https://www.einsurance.com/journal/homeowners-insurance-exclusions/ Thu, 24 Aug 2023 16:00:06 +0000 https://www.einsurance.com/?p=32450 Key Takeaways: Homeowners insurance can have exclusions that greatly impact on your coverage and your asset protection. Some exclusions may not be impactful, such as flood insurance when you live in a non-flood prone location, but other exclusions may be necessary to include or obtain a rider for coverage. Carefully review your current insurance policy […]

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]]> Insuring Your Home in an HOA Community https://www.einsurance.com/journal/insuring-your-home-in-an-hoa-community/ https://www.einsurance.com/journal/insuring-your-home-in-an-hoa-community/#comments Thu, 10 Aug 2023 16:00:00 +0000 http://squeamish-food.flywheelsites.com/insuring-your-home-in-an-hoa-community/ Homeowners associations (HOAs) are common, and not just for condominiums and townhomes. Some single-family detached homes are located within an HOA neighborhood or community. When buying a new home, whether multi- or single-family, it’s important to understand the effects it can have on the kinds of insurance coverage you need. When you live in an […]

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]]> https://www.einsurance.com/journal/insuring-your-home-in-an-hoa-community/feed/ 2 12 Steps to Switch Homeowners Insurance Companies https://www.einsurance.com/journal/12-steps-to-switch-homeowners-insurance-companies/ Thu, 27 Jul 2023 16:00:59 +0000 https://www.einsurance.com/?p=32323 Key Takeaways: Switching your homeowners insurance coverage to a new company can save you money through reduced rates or better discounts. It’s always a good idea to check annually or whenever you have a change in circumstances. There are benefits and risks when you switch homeowners insurance companies. It’s important to know what they are […]

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]]> What Is Forced Placed Insurance? https://www.einsurance.com/journal/what-is-forced-placed-insurance/ Thu, 25 May 2023 16:00:41 +0000 https://www.einsurance.com/?p=32013 Forced placed insurance exists to protect lenders, and it’s sometimes called lender placed insurance. Forced placed insurance can be purchased by a lender to cover a home, an auto, an RV, and even boats and planes. This type of insurance is bought by the lender when a consumer’s policy lapses, gets cancelled, or is non-renewed. […]

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]]> Does Home Insurance Cover Natural Disasters? https://www.einsurance.com/journal/does-home-insurance-cover-natural-disasters/ Thu, 27 Apr 2023 16:00:05 +0000 https://www.einsurance.com/?p=31939 Homeowner’s insurance covers many — but not all — of the perils your home might endure. If you’re wondering if home insurance covers natural disasters, you’re in the right place. Today, our team of licensed insurance agents is here to explore the perils covered by a traditional home insurance policy, and help you decide if […]

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