If someone comes into your home and steals your jewelry, your homeowner’s policy probably will only cover you for a couple thousand dollars (this limit depends on your policy). This is important to know because often times you might have jewelry (and this applies to other special items such as guns, business property, cash, check [...]
The first five factors of the ten factors that affect insurance premiums are controllable but not as easily controllable as the the next few factors. This sixth factor is the amount and the scope of your homeowners or renters insurance policy coverage, obviously the greater the coverage the more expensive the premium. Be sure to [...]
Typical home insurance policies don’t cover your home and its possessions from earthquakes and floods, for that you will need to get special riders to help protect yourself from damage as a result of flooding or earthquakes. Now, some places aren’t subjected to many (or any) earthquakes but the coverage is relatively inexpensive - as [...]
When you purchase homeowner’s insurance of any variety, one important consideration is the addition of “riders.” Straight vanilla homeowner’s or renter’s insurance will protect your valuables if a covered “named peril” (defined in your agreement) destroys or damages jewelry or artwork with no ceiling limit. However, if your precious possessions are ever stolen, your insurance [...]