Do I Actually Need to Purchase Homeowners Insurance Coverage?

Owning a home without a quality homeowners insurance policy is like driving your car with bad tires. You may be okay for a while, but eventually, an accident is going to happen that may cost you more than just your financial security. If you own your home outright and have no financial obligations to any lender, you don’t have to

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Understanding the Basics of Home Insurance in California

If you own a home, you need to make sure you are protected if the unthinkable should ever happen. Home insurance protects you from financial loss if you are ever the victim of a burglary, fire, certain types of water damage, or accident that results in an injury to another person or damage to their property. Without an adequate home

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High-Value Home Insurance: What You Need to Know

For most homeowners, standard home insurance policies provide adequate protection. However, if you are one of the growing numbers of people with a home worth more than $1 million, you may need the extra cover of high-value home insurance. High-value home insurance is a form of coverage designed for homeowners with expensive residences. The cover is particularly important if your

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Home Insurance: Here’s What First-Time Home Buyers Should Consider

On average, American home buyers buy more than 14,000 properties every day, with more than 38% of the buyers being first-time homebuyers, as reported by the National Association of Realtors. Moreover, data from Statista show that there are over 80 million owner-occupied homes, and more than 85% of them have home insurance. This shows just how crucial home insurance coverage

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4 Important Determiners of House Insurance

Data from the National Association of Insurance Commissioners (NAIC) shows that the average annual home insurance cost in the U.S. is around $1,200. As you’d expect, the actual costs vary across state lines as well as from one insurance carrier to another depending on several factors. Here’s a look at the 4 main factors home insurance carriers typically consider when

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