Farmers Insurance No Longer Covers Certain Dog Breeds

Let me start off by saying that this appears to be specific to California (as far as I can tell). Farmers Insurance has decided to stop providing liability coverage in a homeowners policy for dog owners of Pit Bulls, Rottweilers, or Wolf hybrids. A homeowners insurance policy will cover many things. It can help you with the cost of replacing items that have been stolen from your home. It covers the cost of repairing your home due to damage from a storm, a fire, or even a vehicle that has driven into your house. This coverage includes damages to your … Continue reading →

State Farm Will Lower Homeowners Rates in California

Most of the time, when there is news that involves changes to insurance rates, it is because the insurer is raising them. Not this time! State Farm is going to cut homeowners insurance rates in California. It is so nice to hear good news from an insurance company! It isn’t often that I hear about an insurance company that has announced that they are going to lower their rates. Actually, I’m not sure I’ve ever heard of an insurer willingly choosing to lower its rates. That is exactly what is happening, though. State Farm is the largest homeowners insurer in … Continue reading →

Space Heater Safety Tips from State Farm

Space heaters can make an overly chilly room into a warm and comfortable place for your family enjoy. It is very important to be careful about how you use your space heater. It is possible for a space heater to start a fire. State Farm has some space heater safety tips that you can use to keep your family safe. People purchase a space heater for two reasons. They want to make a room in their home a bit warmer, and they want to cut down on their heating bill. It is possible to warm up a room with the … Continue reading →

Ways to Save on Your Homeowners Insurance

Want to lower your homeowners insurance premiums? Of course, you do! No matter what you are currently paying, your life would be a little bit easier if your premium was lower. Compass Insurance Agency has some advice about things you can do that could result in a lower homeowners insurance premium. When it comes to insurance premiums, it is all about risk. Insurers want to find customers who are low risk. The reason comes down to cost. If your homeowners insurance company considers you to be a high risk, they will probably charge you a higher premium to compensate on … Continue reading →

Time to Review Your Homeowners Insurance Policy

Did you get something big and expensive this Christmas? That new item is probably not specifically covered by your Homeowners insurance policy. Start off the new year by visiting with your insurance agent, and making sure that all the goodies that Santa brought you are covered. A good time to sit down with your insurance agent to review your homeowners policy is right now. Christmas is over, and you will want to make sure that the new, expensive, items that Santa brought you and your family will be covered by your policy. This is especially true if you got new … Continue reading →

Christmas Gifts That Could Cause Insurance Problems

What is Santa bringing your children for Christmas this year? Certain types of gifts can actually be problematic for your homeowners insurance. Things like trampolines and certain breeds of puppies, can cause your insurer to raise your rates or to drop your plan. What could be more adorable than a Christmas puppy? It might be exactly what your kids are hoping that Santa will bring them this year. Unfortunately, certain breeds of puppies could result in problems with your homeowners insurance. The same could happen if you put a trampoline in your backyard. CNBC points out that there are certain … Continue reading →

Allstate has Tips to Prevent Holiday Theft

Many of us will be spending time visiting friends and family over the holidays. Allstate Insurance says that this is the prime time for break-ins and theft to occur. Thieves realize that you aren’t at home! Fortunately, the insurer has some tips that you can use to prevent theft over the holidays. Over the river, and through the woods, to Grandmother’s house you go! Many families spend a big portion of the holidays visiting with various relatives. You might be taking your children to visit with their grandparents. Or, you might be attending a family gathering that includes aunts, uncles, … Continue reading →

Reasons to Take Good Care of Your Christmas Tree

When does your family put up the Christmas tree? Some families decorate the tree before Thanksgiving, and others wait until a few days before Christmas to do it. The Insurance Institute for Business & Home Safety wants to remind you to take good care of your Christmas tree. There is the potential that a Christmas tree could catch fire. Many families have made a tradition of picking out a Christmas tree, and decorating it together. The tree is a big part of the season. What else would you put all those presents under? People have a tendency to think of … Continue reading →

Reasons to Remove Snow from Your Roof

Snow can be pretty, but it can also be problematic. Those who live in places that regularly get snow realize that they will have to remove snow from their cars and driveways. State Farm points out that that it is a good idea to take the time to remove the snow from the roof of your home, too. When I was really young, I remember a time when my family experienced a Midwestern blizzard. Snow piled up higher than I’d ever seen it before (or since). My father used a rake to knock snow from the roof. Once he cleared … Continue reading →

Insurance Help After Hurricane Sandy

Your home was damaged by Hurricane Sandy. You did the right thing, and filed a claim with your homeowners insurance company. Your insurer still hasn’t dealt with your claim, or has flat out refused to cover the damages. What can you do? Here is some advice that may help. The governors of some states have told insurance companies that they cannot enforce hurricane deductibles on storm-related claims that resulted due to Hurricane Sandy. This is because the National Hurricane Center declared Sandy to be a “post tropical storm” shortly before it made landfall in their states. This means that if … Continue reading →