homeowners insurance – HomeownersInsurance.org http://www.homeownersinsurance.org Homeowners Insurance Tips and News Fri, 28 Jun 2013 15:01:02 +0000 en-US hourly 1 https://wordpress.org/?v=4.8.1 50 Posts on Reading the Fine Print About Things Your Home Insurance Probably Doesn’t Cover http://www.homeownersinsurance.org/50-posts-on-reading-the-fine-print-about-things-your-home-insurance-probably-doesnt-cover/ http://www.homeownersinsurance.org/50-posts-on-reading-the-fine-print-about-things-your-home-insurance-probably-doesnt-cover/#respond Sun, 31 Oct 2010 13:22:56 +0000 http://www.homeownersinsurance.org/?p=1176

Whether you are a first-time buyer or a seasoned natural, the process of buying a home is quite arduous and in all of the excitement and frustration, it is easy to lose yourself in the details.  When it comes to choosing your home insurance however, you must be vigilant and always read the fine print of the policy you choose so that you can avoid unwelcomed surprises if you need to file a claim.  Here is a list of posts detailing some of the things your home insurance probably doesn’t cover.

  1. The Truth About Insurance – This is a list of seemingly odd things that home insurance may and may not cover.
  2. Griffin-Owens & Associates – This is a post that serves as a checklist for homeowners  in preparation for cold weather and warns against weather related issues that are not covered by insurance.
  3. Property Insurance Quotes – This is an interesting post about which states have the worst insurance coverage regarding natural disasters native to the state.
  4. Dr. Boyce Insurance – This post is about whether flood insurance is needed and how you should determine what is right for you and what is and is not covered.
  5. Home Insurance Agents – This is a blog post about the different types of home insurance available and what may or may not be covered under each.
  6. California Dog Bite Laws – This is a very interesting article about whether animal bites are covered under homeowners insurance.
  7. Suite101 – This is an article about how the state that you live in has a great effect on what is and is not covered in your home insurance.
  8. Ice Pack – This is an article about flooding, a natural disaster that are not typically covered by home insurance.
  9. Deadbeef – This article warns that the language in your home insurance policy can mean all the difference between items that are covered and those that are not.
  10. Basic Homeowners Insurance – This article warns consumers about assuming what their basic coverage offers as it can differ between companies and states.
  11. Personal Injury Attorney Los Angeles – This article is about animal bite coverage and if your home insurance is affected.
  12. Saving Without a Budget – This is a blog about error and omission coverage for liability and the limitations of your home insurance.
  13. World Finance News – This is a top 10 list of popular home insurance coverage myths.
  14. c-tasc – This is a post about the rising costs of home insurance and the shrinking coverage.
  15. Quote for Home Insurance – This is a blog that addresses questions about unusual circumstances that may not be covered by home insurance.
  16. Mortgage St. Louis – This is a blog that runs down what is and is not covered in policies in the St. Louis, Missouri area.
  17. Golden State Financial – This is a blog about why home insurance does not cover damage to land.
  18. Carpet Cleaning Company – This is a blog about water damage and what is not covered by home insurance.
  19. Doc Savage – This blog answers whether large appliances are covered under home insurance.
  20. Money Blog – This is a blog about whether home insurance would cover bedbug infestation.
  21. Daytona Homes for Sale – This blog explains why you may need an umbrella policy because of what your home insurance won’t cover.
  22. Emergency Food Supply Kits – This is a blog that warns about disaster preparedness and knowing what is in the fine print of your home insurance policy before it’s too late.
  23. Charleston Business – This post is about flood insurance, current legislation, and why it is not covered under home insurance.
  24. California Homeowners Insurance – This article is about what happens with insurance lapses, abandonment of property and foreclosure and what will not be covered.
  25. WTHR – This is an article about utility line insurance and why home insurance will not pay for utility lines.
  26. Faith and Finance – This is a blog post about the fine line your home insurance will walk in order to not pay for things such as a leaky roof.
  27. Homeowner – This is a post about the different types of water damage that are usually not covered by home insurance.
  28. Utah Disaster Kleenup – This is an article about different types of disasters that are partially covered or not at all by home insurance.
  29. Chumney Powell – This blog is about why floods are not covered by home insurance and the need for flood insurance exclusively.
  30. Claim Insurance – This is an informative blog about how people do not read the fine print and assume they have coverage for things they do not.
  31. Whole Life Insurance R US – This article examines common and not so common things that are not covered by home insurance and what to do about it.
  32. Universal Articles – This article examines why you may be paying too much for home insurance coverage you don’t have.
  33. Home Buying Institute – This article explains how home insurance works and what it typically will and will not cover.
  34. Kelly Smith – This is a blog article that explains what happens to your home insurance coverage after renovations and what will be covered.
  35. Williams Agency – This is a blog about what home insurance in Pennsylvania will not cover.
  36. Insurance Quotes – This is a blog that explains whether bedbugs are covered by home insurance.
  37. Felicia Williams – In this blog the author covers water damage and faulty workmanship and why there is a thin line between what is and is not covered by home insurance.
  38. Reading Chronicle – This is a surprising article about how burglary can cost you more than your belongings when your home insurance won’t cover it.
  39. ArticlesFox – This is an article about how mold affects what your home insurance will cover.
  40. Money Sense Tips – This blog explains why many states will only cover some disasters or none at all.
  41. Orlando Frasca – This is a blog about what you may not be aware that your home insurance may not cover.
  42. Hello – This is an informative blog that examines different types of home insurances and why they all cover or do not cover different things.
  43. My PennyAuctionSite – This is a blog article that warns the reader to be sure that they read the fine print of what is and is not covered in their home insurance, especially regarding disasters.
  44. Finance Xplore – This is a personal account blog about a devastating earthquake and the woes of not having the right home insurance.
  45. Bargaineering – This blog gives advice on home insurance type to avoid because of the lack of coverage.
  46. Amy Andersen – This blog reveals that having people in your home for an extended stay or a short term lease may not be covered by your home insurance and a bad idea.
  47. Financial Stock Answers – This blog has great comments and help about home insurance covering exotic pets.
  48. Trulia – This blog lists the top 5 things to know about home insurance and what it may or may not cover.
  49. Lisa Nichols – This is a great blog about what to know when buying condo insurance and what it may not cover.
  50. AmerInsur – According to this blog, very little people know exactly what is in their home insurance and assume that it covers much more than it does.

Image Credits: http://www.flickr.com/photos/michiganmoves/3404846171/

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49 Articles About Weather Proofing Your Home Against Disaster http://www.homeownersinsurance.org/49-articles-about-weather-proofing-your-home-against-disaster/ http://www.homeownersinsurance.org/49-articles-about-weather-proofing-your-home-against-disaster/#respond Tue, 12 Oct 2010 20:43:56 +0000 http://www.homeownersinsurance.org/?p=1059

Depending on what region of the country a homeowner lives in, they may have to prepare their home against floods, hurricanes, tornados or severe storms. Weatherizing a home is an important step in attempting to prevent damage done by a natural disaster. Not only does this protect the house against damages, it may lower a homeowner’s insurance premium.

The articles below discuss how to prepare a person’s home against the unexpected weather Mother Nature can put upon them. Floods, storms, hurricanes, tornados, bad weather and earthquakes; there is something for every circumstance.

  1. Regional Disaster Information and Advice: Prepare your home against natural disasters, and also help protect the environment against natural emergencies. Discusses natural disasters, region by region.
  2. A-B-C Plan: Preparing home for natural disaster with the A-B-C plan-Anchor, Brace and Cover.
  3. Handyman Tips to Disaster Proof Your Home: A handyman’s perspective on defending your house against natural disaster. Tips and tricks for preparing house recovering after a disaster does occur.
  4. Bob Vila Tips: Using trusted carpenter Bob Vila’s techniques, your home will be weatherized and prepared for any disaster.
  5. Preventing Basement Damage: Basements are naturally at risk for flood and water damage. Here is a website describing products and techniques to prevent damage to your basement.
  6. Protecting Homes and Businesses: Protect your home, businesses or other shelters from flood damage. Damage from floods can also be damaging to your pocketbook, so invest in the future by preparing now.
  7. Easy Ways to Prepare For a Flood: Simple ways to prepare your home before a flood occurs, from waterproofing to plugging holes and entryways, ideas are easy to implement for anyone.
  8. Gutters and Flood Damage: Waterproofing your basement to help prevent flood damage. Also, discusses how clogged gutters are problematic in flooding situations.
  9. Natural Disaster Home Owner Insurance: Sometimes even with all the right preparation, damage may still occur after a flood. Having the right home insurance will help repair any damage sustained.
  10. Weatherize Your Basement: Remember to waterproof your basement to avoid flood and water damage during storm season.
  11. Realtor Disaster Advice: Flooding and water damage prevention tips, told from a realtor’s perspective.
  12. Hurricane Advice: Keys to surviving hurricane season. What to do before, during and after a hurricane.
  13. Storm Proof Your Home: Tips and tricks for storm season-proofing your home in an attempt to avoid damage.
  14. Flood Proof Your Home: British website giving advice for weatherizing a home for flood season.
  15. Blizzard and Snow Weatherization: Preparing your home against cold weather, snow and blizzards can save you money in the long run.
  16. Storm Season Preparation: Hands-on tips from a blogger in Florida about things to do prepare your house for storm season.
  17. Fire, Water, and Storm Insurance: Although, your home may have been weatherized against the disaster, it is still important to be insured for fire, water and storm occurrences.
  18. Hurricane Preparation Check List: Hurricane preparedness tips and a checklist. Easy ways to prepare your home and family before disaster strikes.
  19. Insulating Home Against Weather Damage: How to weather proof your home, with insulation tips from caulking to weather-stripping.
  20. Storm Proof Your Home or Business: A British site discussing how to protect your building or home against hurricane and storm damage. Tips for both residential and business owners.
  21. Tornado Proof Your Home: Tips to protect your house from tornado damage.
  22. Hurricane Proof Your Home: Hurricane proofing your home will help to protect your largest and most expensive asset.
  23. Sustainable Homes: How to make a sustainable house, yet also make it safe against natural disasters like hurricanes, tornados, and high winds. Describes what an earth-sheltered home is, and how to build one.
  24. Natural Disaster Home Owner Insurance: Protecting your home against floods, earthquakes, tornadoes, hurricanes and wildfires. Also, having effective and full insurance coverage that will assist you if damage occurs.
  25. Two Part Disaster Preparedness: Disaster preparation is a two-part process. First make your home as resistant to possible to damage, and two, be prepared for all emergencies that could occur. Having a communication plan and emergency materials on hand, will make disasters easier to deal with.
  26. Tornado Safe Room: How to build a tornado safe room in your home.
  27. How to Build a Wind Proof House: How to windproof your house, and prepare for high wind storms this winter.
  28. Tornado Preparation: How to keep your home and family safe during tornado season. Preparing home beforehand will reduce damage later.
  29. Hurricane Proof On a Budget: Hurricane your home on a budget. Even if you can’t spend a lot of money you can still steel your home against hurricanes.
  30. Preparing Your Family’s Home Against Disaster: As a parent, you will have children and yourself to worry about during a disaster. Getting your home weatherized beforehand will save time and stress later if disaster strikes.
  31. Earth-sheltered Homes: Earth-sheltered homes will protect you and your loved ones when natural disaster strikes.
  32. Disaster Preparedness: Secure both your safety and your investment by using this disaster preparedness.
  33. How to Prepare Your Home For an Emergency: How to prepare your home for an emergency; both indoors and outdoors.
  34. Preparation is Key to Surviving Disasters: Survival disaster includes preparing your home before disaster occurs. Article mostly geared towards earthquakes.
  35. Recovery and Preparation Tips: Australian insurance company discusses tips for recovering and preparing for natural disasters.
  36. Bomb Proof Wallpaper: How bombproof wallpaper helps to prepare a home for disaster. Save your money and save your possessions.
  37. Earthquake Safe Your Home: Is your home earthquake proof? You should hire professionals to work on your home and make it disaster proof.
  38. Earthquake Foundations of Your Home: Indian website discussing how to make your home earthquake proof by changing your building structures and components.
  39. New Construction Built to Avoid Earthquake Damage: Canadian website listing construction tips to reduce earthquake damage to new homes.
  40. Wind Proof Your Home: Weatherizing your home to avoid blustery winters and windy seasons.
  41. Retrofit Your Home: Retrofit your home to prepare it for the next earthquake. Retrofitting can cost a lot up front, but save money in potential earthquake damage.
  42. Winterize Your Windows: How to weatherize your windows against wind and rain storms.
  43. 25 Tips for Weatherizing Your Home: If you live in one of these five cities, you should weatherize your home. Also, 25 tips for weatherization are given.
  44. Summer Weatherization: People often forget to weatherize their home against summer heat. This article will give tips about weatherizing home for summer.
  45. Window Caulking: Weatherize your home by caulking and weather stripping your windows. Protects against heat, water and wind.
  46. Important Reasons to Weatherize Your Home: Is your home weatherized against potential threats from natural disasters?
  47. Benefits of Weatherizing Your Home: British article about weatherizing home benefits, both to use energy wisely and to prepare against disaster.
  48. Insulating Concrete Form Tornado Proofing: Using Insulating Concrete Forms to make your home tornado proof.
  49. Hurricane/tornado Proof Your Home: Advice about building a hurricane/tornado proof home. Tips so make sure that your home will be protected in the biggest storms.

Image Credits: http://www.flickr.com/photos/bcmom/4730503980/

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Understanding Your Home’s Replacement Cost http://www.homeownersinsurance.org/understanding-your-home%e2%80%99s-replacement-cost/ http://www.homeownersinsurance.org/understanding-your-home%e2%80%99s-replacement-cost/#respond Tue, 05 Oct 2010 15:45:30 +0000 http://www.homeownersinsurance.org/?p=1032

Most people by homeowners insurance based on the amount of square footage they have and the neighborhood they live in. Typically, a bank or other mortgage lender requires you to carry only enough insurance to cover their losses in the event your home is destroyed by fire, but that isn’t necessarily enough.

Even though your insurance policy may be enough to pay off your loan in the event you lose your home to a natural disaster, fire, or other threat, you could be left without help when it comes time to rebuild. That’s why it’s important to consider what it would really cost to replace your home if it were completely destroyed.

  • Consider the cost of construction materials today compared with what they were when you purchased the house. Chances are, costs have gone up, and you will have to pay more if you need to rebuild.
  • There may be building code requirements that were not in place at the time your home was built. This could result in higher costs for rebuilding than anyone has taken into consideration.
  • In the event of a fire, tornado, hurricane, or other disaster, your home may be destroyed, but the rubble will likely remain. Your lot will need to be cleared of debris before new construction can start.
  • You will need to hire an architect to design a new building to replace the home that was destroyed. These costs are not likely to be factored into the current estimate, because they are based on what the house itself is worth, not the cost of replacing your home.
  • If your area is hit by a natural disaster, demand for construction and materials will go through the roof. Not only could it take longer for your home to be rebuilt, meaning you will have to extend your stay elsewhere at a considerable cost, but the estimate to rebuild could be much higher than you had planned.
  • There are resources you can use to estimate the cost of rebuilding your home. While it may raise your insurance premiums, it’s smart to consider expanding your coverage to include replacement costs.

Cutting corners on coverage to save a little on premiums is short-sighted. It could land you in a world of hurt if things don’t go as planned. Should the worst happen, your family could be left out in the cold without adequate coverage.

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Claims That Raise Your Premiums http://www.homeownersinsurance.org/claims-that-raise-your-premiums/ http://www.homeownersinsurance.org/claims-that-raise-your-premiums/#respond Mon, 04 Oct 2010 15:34:09 +0000 http://www.homeownersinsurance.org/?p=1028

These days it seems like everyone is stretched to the financial limit, with so many unemployed and even more struggling to make ends meet. The last thing you need is an increase in your homeowners insurance premium, but that’s just what’s in store for many who file claims.

There are three types of claims you can make against homeowners insurance that are most likely to trigger a rate increase the next time you renew.

  • Dog Bites. Both the number and the costs of dog bite claims have been rising over the past few years, prompting many insurers to take action against dog owners. Whether they refuse to renew a policy or simply exclude dog bites from your coverage, you may find that filing a claim because your dog bit someone could result in loss of coverage. Even when it doesn’t cause you to lose your policy, your insurer may raise your rates the next time you’re up for renewal.
  • Water Damage. Even if you don’t live in a flood plain, filing a claim for water damage could trigger automatic increases in your policy’s premium. This is true not only because of concerns over future flooding, but also because of the high risk of mold and the exorbitant cost of having it removed. In many cases, homes with mold are considered a health risk, and removing all of it can take a lot of time and money.
  • Slip-and-Fall Claims. This is a general term used for any injury that happens when someone trips, slips, or falls down in your home.

Before you fill out a claim on your homeowner’s policy, think about other ways of covering the costs.

  • If the injured person is a member of your family, it may be best to have your medical insurance company foot the bill rather than filing a slip-and-fall claim.
  • If the cost of water damage or a dog bite is manageable without filing a claim, think about taking care of it yourself.
  • Even if the cost is a bit more than you can handle out-of-pocket, you might want to consider borrowing the money at a low interest rate rather than filing a claim that could hike your rates. It might just save you some money.

When costs are unknown or ongoing, such as a serious dog bite or slip-and-fall injury that requires surgery or hospitalization, filing a claim with your insurance company may be the only way to protect your assets from a lawsuit. Carefully consider your options before filing any claim, though, and take steps to keep your home safe.

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Homeowners’ Associations from Hell http://www.homeownersinsurance.org/homeowners%e2%80%99-associations-from-hell/ http://www.homeownersinsurance.org/homeowners%e2%80%99-associations-from-hell/#respond Thu, 30 Sep 2010 22:34:18 +0000 http://www.homeownersinsurance.org/?p=997

You can get some serious benefits from being part of a local homeowners association. However, they’re not always what they’re cracked up to be. In some cases, being involved in a homeowners association can be a real nightmare. What makes matters worse is that, in many instances, you’re simply at their mercy. If they set their sights on you, no amount of homeowners insurance can protect you from the damage that they can do to you.

Here are a few homeowners’ association from hell scenarios:

  • The “we want your home” scenario. Picture this: you like to plant roses. It’s even a bit of an obsession. You plant roses on your four acres of property. The only problem is that it’s too many roses for the homeowners association’s tastes. They charge you a fine, which grows over time. They then put a lien on your house. You lose a lawsuit because you regarded the property in the process of planting your roses. This actually happened to a man in California.
  • The “we can’t tell you” scenario. Some homeowners association boards play things pretty close to the chest. They might withhold important information from you. For example, one board in Maryland got their panties in a wad when they felt like some homeowners were sharing too much information about the association with other homeowners, including things like budgets.
  • The “we’re all lawyers” scenario. Some homeowners associations just seem to like to go to court. One estimate suggests that as many as three quarters of all of the homeowners associations in the state of California have at least one case going on in the courts system. Overall, the statistics nationwide are thought to be at around 60 percent.
  • The “you can’t sell that” scenario. So, let’s say it’s time to move. If your home is involved with a lawsuit with the homeowners association, you’re not going to be able to sell it. Simply by filing suit, the homeowners association can keep you from selling your house and moving.
  • The “power trip” scenario. It’s easy for folks on a homeowners association board to get out of control. When left unchecked, a small group of individuals can create all sorts of trouble for everyone else. This happens far too often.

All of that said, there are scenarios in which a homeowners association can be a good thing. Just make sure you know what yours is like before you buy.

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7 Worst Places to Buy Homeowners Insurance http://www.homeownersinsurance.org/7-worst-places-to-buy-homeowners-insurance/ http://www.homeownersinsurance.org/7-worst-places-to-buy-homeowners-insurance/#comments Mon, 20 Sep 2010 16:59:19 +0000 http://www.homeownersinsurance.org/?p=957

Some places are just more dangerous to live than other places. Whether because of natural disasters, or high crime rates, the homeowners insurance in some parts of the country are simply more expensive than in other, safer parts of the country. Below are some of the worst places as far as insuring your home is concerned:

  1. Southern California: Let’s face it; we’re all convinced it’s going to fall into the Pacific Ocean someday. Their regular earthquakes make sane people ask who would ever want to live on a known fault line anyway. On the other hand, mile upon mile or beaches and bikinis kind of answer that question for us.
  2. Kansas: In case you haven’t seen the Wizard of Oz, Kansas has a slight reputation for twisters. And given the flat conditions, when a tornado rips through Kansas, it can tear a lot of shit up in a hurry. Of course, this means that people who live in the area get to pay a little extra for homeowners insurance.
  3. Florida: The whole damned state is a hurricane waiting to happen. While there’s no doubt the climate is beautiful in the winter time, you can lose everything you own in a hurry.
  4. Iowa: Have you ever noticed how often this state endures flooding? The worst part is that most homeowners policies don’t even cover flood damage unless your policy specifically states that it does. Make sure you get homeowners insurance and flood coverage if you’re going to live in corn country.
  5. Detroit: As the population dwindles, and necessary cuts are made to police and fire protection, the city remains top of the charts in the United States for violent crimes. Detroit leads the way in a number of violent crimes, and breaking and entering and arson are common occurrences.
  6. The rest of Michigan: It may not be more dangerous than other states as far as damage to your home goes, but with the country’s worst economy, and a rating as the least friendly to businesses in the whole country ensuring that it stays that way, you’ll be lucky if you can afford homeowners insurance at any price.
  7. New Orleans: Who the hell had the bright idea of building a city below sea level in an area prone to hurricanes? Turns out, it was the French, who are probably laughing their asses off about it these days. In addition to the potential damage from hurricanes and flooding, New Orleans has the highest murder rate in the country. While murder doesn’t make your homeowners insurance premiums go up, it’ll sure ruin your day if you’re ever the victim.
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Simple Ways to Save on Homeowners Insurance http://www.homeownersinsurance.org/simple-ways-to-save-on-homeowners-insurance-2/ http://www.homeownersinsurance.org/simple-ways-to-save-on-homeowners-insurance-2/#respond Sat, 11 Sep 2010 20:34:30 +0000 http://www.homeownersinsurance.org/?p=924

If you are an average American home owner, chances are you are paying more for your homeowners insurance than you need to. Most insurance companies have their agent or another representative, often a third party company that specializes in gauging insurance risk, check out your home and property. This inspection is often completed without your knowledge, or even while you are away.

Most insurance agents won’t tell you what you can do to get a better rate on your homeowners insurance because they are paid on a percentage basis. So, for them, the more you spend on homeowners insurance, the better. They don’t even need to fear competition, because the things which insurance companies charge more for are fairly universal.

Here are some simple things you can do to save money on homeowners insurance:

  • Remove all knob and tube wiring. If you have an older house, you might have some of this old fashioned wiring still in the basement, often because a contractor never took it down when the home was rewired. If your house is still actually using knob and tube, call an electrician and have it replaced right away. It presents a fire hazard. Even if it’s not functional, though, an insurance company can rate you simply for having it still hanging there.
  • Cut down all trees near the house. If you really must have trees close to the house, at least make sure that no branches are touching the house, especially the roof. Better yet, make sure that no trees are even overhanging the roof, as insurance companies will charge you more because of the danger of storms knocking the limbs down.
  • Keep all wood piles away from the house. Also clear out any brush or dry vegetation close to the house.
  • Don’t keep old cars or appliances close to the house. This may sound crazy that we even need to mention it, but you’d be surprised how many houses keep old appliances and cars around the yard. If you must keep such things (to sell for scrap or whatever), at least put a fence around them.
  • Fence in any pools or trampolines. Insurance agents lick their chops when they see these things left unlocked, because your insurance is going to cost you more.
  • Make simple repairs. Don’t let things like broken windows, cracked sidewalks, or missing shingles or siding go unattended. This makes insurance companies believe you are more likely to need to make claims in the future, which means they will charge you more for your homeowners insurance.

Image by Clarity J

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Folk Wisdom and How to Flout It http://www.homeownersinsurance.org/folk-wisdom-and-how-to-flout-it/ http://www.homeownersinsurance.org/folk-wisdom-and-how-to-flout-it/#respond Mon, 06 Sep 2010 15:07:35 +0000 http://www.homeownersinsurance.org/?p=898

Down through the ages, those of us who speak the English language have been handed down many homey pearls of wisdom which we would all generally do well to live by. Just like it makes sense to buy homeowners insurance to protect the investment of your home, it pays to follow good advice to protect ourselves from the consequences of foolishness. But every once in a while, even the wisest person feels the need to be a smart ass and flout the rules. Here are some examples of when you might want to go against the grain with traditional wisdom:

  • “Those who live in glass houses should not throw stones,” unless, of course, they have really good homeowners insurance. If your coverage is good, of course, and you don’t mind paying the deductibles, it might be a great way to get new windows. Of course, if your house is glass, we suppose that would mean getting a whole new house.
  • “A stitch in time saves nine,” unless of course, you want to be (or at least look like) a rock star. We mean, really, have you noticed that it costs twice as much money to buy a pair of “distressed” jeans than it does to buy a regular pair of jeans with no holes in them? From now on, save yourself some money and buy your kids the regular jeans and tell them to get their asses outside to play so they can put their own holes in the jeans.
  • “A penny saved is a penny earned,” but if you hurry up and use your pennies to get gas before the weekend hits, you can get it for 30 or 40 cents per gallon cheaper. With the prices of everything going up and savings account interest rates still abysmally low, you might want to go ahead and spend that penny. Assuming, that is, that you can find anything you can actually buy for a penny.

Of course, on a serious note, it’s usually better to go ahead and choose the path of wisdom most of the time. These sayings have endured for years because they carry deep truth. So, save your pennies, patch your tears, and for God’s sake, put those rocks back down before somebody gets hurt.

Image by r-z

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49 Articles About Insuring Your Home Against Burglary http://www.homeownersinsurance.org/49-articles-about-insuring-your-home-against-burglary/ http://www.homeownersinsurance.org/49-articles-about-insuring-your-home-against-burglary/#respond Mon, 30 Aug 2010 16:43:31 +0000 http://www.homeownersinsurance.org/?p=881

Home security is a concern for everyone. The thought of someone breaking into your home is terrifying. That is why people are turning to home security systems for protection. People are also making sure their home owner’s insurance offers them coverage that will protect them in the event their home is broken into. A burglary can make you feel uneasy in your own home. Don’t let a criminal rob you of your belongings and take away your security, Learn everything you can about insuring your home against burglary.

  1. All New Connection: A break in at your home can be frightening. You need to make sure that you are doing everything you can to keep your family protected from one.
  2. Home-Improvement-Power: Everyone can use these great tips on how to make your home more secure.
  3. Security Systems: Having a home security system is a great way to prevent a burglary. Do you know all the benefits a security system offers you?
  4. Insurance Agent Web Directory: Nobody wants their home burglarized, but in the event the unthinkable happens, make sure you know how to file the right insurance claim.
  5. Lyric Road Archive: Home security is even more important when you work from home and have to protect your family and your home office.
  6. Affordable-Home-Security: Keeping your home safe is something you can’t ignore. There are many ways you can prevent burglaries if you just prepare yourself.
  7. The Technologeek: Proper home insurance can give you a peace of mind and keep you protected in the event of a break in.
  8. Urtopics: Securing your home is not only a good idea to protect your family, but it can also lower your home owner’s insurance rates.
  9. Born Techie: Home security doesn’t always require outfitting your house with a system. You can get home security right from your computer.
  10. EACTMF: There are so many different home security cameras on the market it can be difficult to choose which one is best for your home.
  11. Trade Tang: Knowing all your options in home security systems will help you to find the one that will work best in your home.
  12. Cindy Bitney: A home security system should be chosen carefully to ensure it will suit your needs and really keep your home safe.
  13. Zo Brothers: Home security can involve many different elements. Have you ever considered an entry system that allows you to see who is at your front door before you open it?
  14. AAA-Safety First: Home security is not just about home security devices. You also need to prepare yourself and do your part to keep your home safe.
  15. FLRJC: Do you know what type of home security system would be best for your home?
  16. Family Home Security: There are many different aspects to home security. You should know every area of your home that needs to be secure.
  17. Provident Security: A home security system is only useful when it is installed correctly and used the right way.
  18. Healthy Home Smart: Many people do not have a home security system because they think it will cost too much. Are you one of the people making this mistake?
  19. Calfinder: Comparing the different brands of home security systems can help you to find the right one.
  20. My Smart Home Blog: Not every home security system must be a monitored, high tech system.  Sometimes simple solutions work.
  21. Scott Elkin: Wireless home security systems are becoming quite popular.  Find out more about the top brands on this blog.
  22. Home-Alarm-Security-Systems: Home security has changed a lot in recent years. Read about how it has evolved.
  23. Wire It Yourself: If you are planning on installing your own home security system then you will need plenty of support and information to help you.
  24. Vigilance and Security: When you have children, home security becomes an even more important issue.
  25. Crime Doctor: You may have an amazing security system, but preventing a burglary from every happening is much better than having to use that system.
  26. Icon Oclock: There seems to be a lot of talk about wireless home security systems and there are plenty of good reasons why.
  27. Home Security Information: Installing a wireless security system is a simple task that almost anyone can do.
  28. Blog 4 Real Estate: If you wonder how a wireless home security system works, then find out how here.
  29. Home N Security: A simple explanation about why a home security system is a must have item.
  30. Jello Fart: Securing the doors in your home could secure your whole home against a break in.
  31. Pangea Jewelers: Don’t let misconceptions about home security systems keep you from buying one.
  32. 18k In 4 Days: Home security systems really are the best way to stop break ins.
  33. Twin Cities MBAs: More information about why everyone needs a home security system and why it is such a bad idea to pass on getting one.
  34. Stfutrex: Your home security system may need updating. Have you thought about updating lately?
  35. East Ohio AHEC: Wired and wireless home security systems offer you different things.  Find out what in this article.
  36. Itech News: A nice review of a security camera from Logitech.
  37. Be My Angel: Modern home security systems provide more protection than ever.
  38. Move Fitness and Dance: Wireless home security systems may be popular, but wired systems have some advantages over them.
  39. Real-Estate-News-Articles: There are many things you need to look for in a home security system.  This article will help you know what those things are.
  40. Dewey Firemen: Reading customer reviews of home security systems can assist you in making the right choice.
  41. Perfect House Care: There are many things that you need to know about home security systems.  Read this to make sure you know everything you should.
  42. Ega Blog: If you are thinking of using fake security cameras to secure your home then read this.
  43. Intellakast: Putting certain security measures in place in your home can keep burglars away.
  44. Digital Camera Guide: Your security camera can keep burglars at bay in many ways.  Read this to find out more.
  45. Nikclik: Wireless home security systems can really offer you amazing home security.
  46. Country Quick Steppers: There are many different aspects to a home security system that you should know about.
  47. Icnx2009: Home security systems have come a long way from when they first introduced to the general public.
  48. Scientific-Employment: Installing a home security system can give you a peace of mind at all times.
  49. Pocket Change: Setting up a wireless home security system can be challenging. Get some great tips to help you here.

Image Credits: drazz

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WTF? 5 Things Your Homeowners Policy Probably Doesn’t Cover http://www.homeownersinsurance.org/wtf-5-things-your-homeowners-policy-probably-doesn%e2%80%99t-cover/ http://www.homeownersinsurance.org/wtf-5-things-your-homeowners-policy-probably-doesn%e2%80%99t-cover/#comments Tue, 17 Aug 2010 16:23:22 +0000 http://www.homeownersinsurance.org/?p=875 If you’re like most American home owners, you probably think that you’re fairly well protected if anything happens to your home. In most cases, as long as you have homeowners insurance, that’s true, more or less. Most homeowners insurance policies protect you from things such as fire, lightning, hail, vandalism and theft. But there are some things which most policies do not protect you from, and some of them are not as obvious as you would think. If you’re not sure about what your insurance policy covers, you might want to check with your agent to see if you’re covered for these things (most likely, you’re not):

  1. Water damage: Believe it or not, most homeowners insurance policies don’t protect homeowners from damage due to flooding. This is especially important if you live in areas where there is a significant water source. Since historically, nearly all civilization has been built around water sources, this probably includes the place where you live. You should especially consider adding flood insurance if you live in a Coastal area. After all, who really wants to stand around arguing with an adjuster about how much of the house was damaged by the wind and how much was damaged by the waves when a hurricane strikes?
  1. Earthquake damage: We live in Michigan, where you don’t normally think about earthquakes. That changed for us this summer when we felt the tremors of a 5.5 earthquake centered in Ontario, Canada. While most people admittedly don’t deal with earthquakes unless they live in areas prone to them (such as California), you should at least be aware of whether or not your insurance coverage extends to the significant damage an earthquake can cause.
  1. Termites and other creepy crawlies: These little buggers will devalue your house in a New York minute. If they do destroy your home, are you covered? Probably not. Of course, calling the Orkin man occasionally will ensure that termites and other bugs are dealt with, so this is one problem you can insure yourself against. But do look into whether or not your policy would pay for any damages caused by these irksome pests.
  1. Goods within your home: We tend to think of our homes as our most valuable possessions, but chances are you have just as much value in the items in your home. Break out the calculator and add it up if you don’t believe me. When you factor in all of the stuff you accumulate over the years, it can add up to a short ton. Check to see if any of it would be covered in case of a disaster.
  1. Living expenses: If your home was destroyed, where would you go? Wherever it is, you’re going to need to pay for it out of pocket, as likely as not. Most insurance policies don’t include any provisions for your living expenses while your home is unlivable.

Photo via Orin Zebest

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