Tag Archives: homeowner insurance

Top 3 Reasons to Install a Home Security System

When I watch the evening news it makes installing a home security system seem like a logical decision. The Top 3 reasons to install a home security system: Protection: Everyone has a different level of need for protection. It’s a simply formula of whom, what and where. The basic math is the more “who‘s” your are responsible to keep safe and the more “what’s” you have collected along the way, the more protection you and your family need. There may be times in our lives when we have few possessions and only need to take care of our own personal … Continue reading →

Summertime Household Insurance Inventory Check List

As I go along in life it seems I am responsible for more and more “stuff” some of it is the sacred and special memories, photos and family heirlooms which need to be passed down one day. Other things, are the investments I have made into decorations, furniture, and tools to make my house a home. It can be very hard for most people to remember all the little things when there is a total loss of everything. It’s important to consider our worst case scenarios and remember that it can happen to us, because it happens to someone all … Continue reading →

The Contents of A Homeowner Policy

A Homeowner policy is an expanded Standard Fire Insurance Form with built in endorsements and added coverage. Lenders usually require a Homeowner Insurance Binder or Certificate of Insurance, by the closing date, if the insurance isn’t in place then the sale of the house won’t close. Lenders won’t pay for property that’s not properly insured, and some lenders may require specific types and coverage amounts to be sure they don’t lose money if there is a disaster. Many states also require Homeowners have additional specific types of insurance, such as earthquake or flood insurance if the risk is greater. The … Continue reading →

Lightning: Protecting Your House and Property

Lightning can strike anywhere, and in some cases without much warning. While homeowner and renter policies protect against lightning, some sensitive property such as electronic and computer equipment may not be covered the way an insured would hope. I once had to replace an electronic control for a relatively new furnace due to the electrical surge caused by a lightning strike. When it comes to lightning it’s up to each homeowner to decide how to manage this risk. Some of the most costly damage caused to personal property may not be covered, and there are ways to reduce the risk … Continue reading →

Volcanic Eruption

As I write this Blog I am listening to the News and looking outside my window. I tried to take some pictures but, my equipment is not of high enough quality to capture the splendid view of Mt. St. Helens. My husband left an hour ago to pick Jeremiah up from preschool and then take the children Christmas shopping. Before he left, we paused and noticed Mt St Helen’s must be letting off steam. It happens fairly often and so do the small earthquakes we here about nearly every week. According to Google Earth our home sits exactly 43.56 miles … Continue reading →