homeowner’s insurance

Homeowner’s insurance is extremely important in protecting your home from damages or other losses. It is essential to have in case of a disaster, robbery, or other instance. However, there may be things in your policy that are not covered that you are unaware of.

In this article, we will discuss what items or events may not be covered under your homeowner’s insurance policy. No home should be without insurance. Therefore, knowing what to look for in your policy can help you get the best possible coverage without any surprises down the line. To get more information on the subject, reach out to so that we can assist you in picking the best insurance coverage.

Was Your Home Damaged From Hurricane Ida?

September 23, 2021 by InsuranceHub

Hurricane Ida has proven to be one of the most disastrous hurricanes in the past few years. The Consumer Federation of America pointed out that the National Flood Insurance Program and private insurers will pay for the damages. More specifically, the damage will cost insurers an estimated $31 billion.

If your home was one of the many to fall victim to the hurricane, you should be filing a claim with your homeowners insurance. As long as you have insurance coverage, you won’t have to cover the expenses yourself. However, no private insurance company has a policy for flood damage, as that is something that the NFIP covers.

Can My Credit Score Affect My Homeowners Insurance Rate?

October 19, 2021September 15, 2021 by InsuranceHub

The companies that make a profit from your “history with money” will dig up your credit score one way or another. If your ratings in particular areas are good, you get plenty of benefits. However, if one of these records is in poor shape or is unsatisfactory, it becomes challenging to invest in property, buy a car, or even find a reasonable insurance policy.

Your credit score rating will dictate a lot of the decisions you make and your purchases. In fact, it can even affect the rates you pay on your insurance.

Will My Homeowners Insurance Cover Termite Damage?

September 1, 2021 by InsuranceHub

Pesky bugs or insects can cause severe property damage. This may sound surprising, but termites cause $5 billion in property damage each year. This is according to the latest survey by the National Pest Management Association.

It makes “will my homeowners insurance cover termite damage” a worthy question to ask. Keep on reading to learn the answer.

What to Do if Your Insurer Won’t Renew Your Homeowners Policy

August 25, 2021 by InsuranceHub

Over the past few months there’s been an increase in homeowners policies not being renewed. This is because many insurance companies have steered clear of high risk areas. While many Californians struggle to find the right coverage, a large group of Floridians have to deal with nonrenewals amidst hurricane season.

Since hurricane and wildfire season is here, having the right coverage is more important than ever for your home’s safety. But what if your insurer refuses to renew your homeowners insurance policy? Here are some options if you find yourself in this situation.

6 Tips to Lower Your Homeowners Insurance Rates

August 25, 2021August 25, 2021 by InsuranceHub

Do you own a property? If yes, then you must know that homeowners insurance is one expense you can’t avoid. The two important factors that decide the cost of home insurance rates are your home’s age and its location. However, the average insurance premium for homes is $1,192.

It may seem like a big expense, but keep in mind that you get the amount reimbursed if your property suffers any damages. That means having homeowners insurance is one way to protect your most valuable investment. Moreover, lenders or mortgage companies also require homeowners to buy homeowner insurance.

Regardless of the type of homeowners insurance you opt for, you need to ensure that you get the best policy for an affordable price. Here are a few tips to decrease your homeowners insurance rate.

Top 5 Common Insurance Mistakes

August 18, 2021August 17, 2021 by InsuranceHub

In today’s world, it’s impossible to go without insurance and live a stress-free life. Insurance is a safety net that keeps you from experiencing financial burden due to insurance claims. It can protect you from liability suits, natural disasters, or any unforeseen circumstances. However, it can be complicated and there are some common insurance mistakes that a lot of people make.

Unfortunately, a majority of these people don’t find out they’ve made a mistake until it’s too late. You don’t want to be stuck paying too much for insurance or not having the proper coverage.

Here’s a list of the top 5 insurance mistakes people are making.

What Does a Typical Homeowners Insurance Policy Cover?

June 20, 2022August 2, 2021 by Katelyn Betts

Your home is probably one of the largest investments you’ll make in your life. Homeownership comes with many benefits, not to mention the pride of owning your own house. However, there are some more complicated aspects of being a homeowner. One of those things is buying home insurance. You might be wondering what exactly homeowners insurance covers and how it protects your home. We’ll go over five different areas that a homeowners insurance policy covers and explain how it protects your home.

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15 Common Homeowner’s Insurance Discounts to Ask Your Agent About

July 26, 2021 by InsuranceHub

Being a homeowner can be hard work. There’s a lot to think about – what color to paint the walls, how to arrange the furniture in the family room, what kind of light fixtures to put in the hallways…and then, of course, there’s home insurance. If you’re going through the process of buying home insurance, you might be holding your breath and bracing yourself for the cost.

But we’ve got good news: you can save money on your home insurance.

There are these magical things called discounts that can knock the price of your homeowner’s insurance down. We’re going to explain about 15 home insurance discounts to ask about.

Hurricane Season Is Here, Make Sure Your Property Is Protected

July 20, 2021 by InsuranceHub

When hurricane season comes around every year, you’re bound to hear some intense local stories of flash flooding and thunderstorms. Therefore, now is the right time to make sure your home is protected from hurricanes.

While your homeowner’s insurance policy may cover some of the flood damage, it will not offer full protection against the investment losses. So, instead of startling yourself with an unpleasant revelation by the insurance provider that your policy doesn’t cover any or all hurricane damage, it’s best to look for appropriate coverage.

This is where flood insurance comes into play. This post explains how adequate flood insurance can protect your home during hurricane season from damages.

The Rise in Construction Material Costs Can Impact Your Insurance Claims

July 20, 2021 by InsuranceHub

The increasing prices of construction materials have become a threat to many policyholders. Even though soaring prices are well-documented, it is essential to watch out for the trend and its possible implications.

As per the Associated Builders and Contractors analysis, the latest costs of materials has increased by 73 percent since 2020. This change in costs has increased the price of single-family houses by $36,000. In fact, the recent reports indicate that these prices have hit $1,500 per thousand for the first time in the housing market’s history.