Does Home Insurance Protect Against Skunk’s Smell?

The frigid temps of winter have got us shivering even if we do layer on the outerwear. The one saving grace of this awfully suffering climate is the sanctuary called home.

Ah, home, every man’s castle, where each one of us can take comfort from the freeze of this brutal season!

Considering the above, imagine one family’s grief upon returning home from work during a particular cold spell. The welcoming they encountered when arriving at the doorstep was not as welcoming as they would have liked. A horrid odor accosted their nostrils: the unmistaken putrid stink of a skunk.

Holding their noses, the family members attempted to locate any sign of black fur with a white strip running through it. No visible sign – thankfully – of the dreaded species. But the undeniable powerful reek of a skunk’s spray was there – everywhere – in every nook and cranny – on all three levels of the structure!

Braving the cold again, t

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How to Protect Family and Property From a Hurricane

According to the weather specialists, hurricanes can appear anywhere from June 1 to November 30. Given the statistics of damages and losses, it’s exceedingly wise to incorporate the proper steps that help stem related devastation to human life, home, business, car and any other property you own.

While homeowners, renters and business owners should systematically procure appropriate insurance coverage, it is those who live directly in the line of storm danger that need to ensure their policy covers all angles of possible risks. To this important end, coastal property owners should go over their plans carefully. Enlisting the service of an understanding independent insurance agent will be of added benefit. He or she should be able to candidly tell you about any discrepancies while advising you how to fill in the gaps so that you will have the necessary coverage when you need it most.

Most certainly, your insurance agent will stress the importance of making copies o

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Homeowners Insurance: Does It Cover Bedbug Damages?

Since just a few years ago, bedbugs have become a real problem in commercial hotels, motels and residential homes. I personally know of someone who was a guest at a friend’s home. Little did the hosts know that they actually had a problem of bedbug infestation and neither did my buddy. Unfortunately for him, some of the pests actually hid themselves in his suitcase while he enjoyed his brief reprieve only to relocate to his mattress when he returned home.

Finally, when my friend experienced incessant long-term annoying itching, he began to notice a chain of bites on his arms. That was when he decided not to waste any more time in receiving medical attention. Jumping into his car, he drove to an after-hours medical center to be examined. The prognosis was clear as day although the hour was way past the sun’s setting: my friend’s itchiness and rash was professionally diagnosed as bedbug bites.

Lest you think his ordeal ended easily, allow me to enlighte

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Renter’s Insurance – Rip Off or Rewarding?

An often pondered, yet rarely considered device that may or may not be a good idea – Renters Insurance is surely a phenomena once uttered in your presence. All too often, it is regarded as if applicable to all or none, with no middle ground. “Renters insurance is a good idea”… or “renters insurance is a rip off;” heard either one? Thought so. Oh, how generalities plague market demand.Anyhow,I will take an unusual approach, showing how to determine if renters insurance is a good or bad idea for YOU….specifically.

A brief overview: What is it?

Insurance of the renter exists to protect the belongings of inhabitants who do not own the dwellings in which they reside. Additionally, it diverts the financial risks of liability to the insurance company, meaning if an accident occurs on your rented property for which you are legally liable, the financial damage will be incurred by the insurer (the company). Examples here include

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Air Conditioner Maintenance – The How to Do It Guide by Homeowners Insurance Folks

There is a science to anything that goes wrong: things gone awry usually do so at the wrong time!

Ask the property and homeowners – landlords and renters as well – and they will emphatically tell you that, yes, when the air conditioning system goes, it’s generally during a heat wave, during the hottest times of the summer season!

How can the sorry situation be prevented? Your surest bet is by “taking the bull by the horns”. Begin a maintenance program that is consistent as it is proactive, say the cooling experts who are in the know.

Of course, the insurance agent who helped your with your home coverage will nod his head about this in total agreement. That’s because even though your plan may cover AC equipment breakdown in general, air condition claims that arise due to a lack of care will never be covered! To the indemnity industry, if you don’t take care of your home AC, it’s your liability (aka your own fau

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What Does Homeowners Insurance Cover?

Every homeowner should realize the importance of homeowner’s insurance policy. Homeowners insurance policy not only protects the homeowners from man-made and natural disasters, but it also protects you from several other situations.

The basic homeowners insurance policy pays you in case of any damage due to fire, severe storms, tornados and hurricanes. Damage to your property, possessions and home are primary elements to be covered. Coverage provided by the policy is not the most important aspect; the most important aspect is the amount they provide in case of any disaster.

Lost of possessions like furniture, electrical appliances, jewelry, clothing are also generally covered by some of homeowners insurance policies, up to a specific percentage of the policy.

Liability coverage protects you in case you are responsible for someone else’s injury or property damage. In such cases home owners insurance will soon provide you minimum 18,000 USD as coverage

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Best Homeowners Insurance Companies: What Perks and Benefits Do They Offer?

There are so many good things about owning a home: you can fix it up and sell it for profit, rent it out to someone else to earn income, or simply live in it yourself and never have to worry about rent. The downside is that there is insurance to consider. There is a variety of coverage options depending on where you live and what kind of house you own. What is it that the best homeowners insurance companies offer?

When shopping around for house insurance quotes, you need to know exactly what needs to be insured and what is included in the policy.

Some of the things you might need insurance for include:

• Protection for the dwelling itself, as well as any other buildings on the property like a storage shed or detached garage.

• Protection for the contents INSIDE the dwellings, like electronics, jewelry, furniture, appliances, etc…

• Protection from any possible hazard that can cause harm to your property and contents, such as fi

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Home-Sharing Nightmares: Are Airbnb and Other Hosts Protected by Homeowners’ Insurance?

You probably never stopped to consider whether your homeowners’ insurance would cover property damage or liability claims caused by someone who is renting your house. Why would you? After all, the last thing on most people’s mind is how an insurance policy will respond to some, unknown future loss.

Home-sharing services like Airbnb and HomeAway have turned a lot of ordinary homeowners into part-time innkeepers. The Pew Research Center found that 11% of American adults have used home-sharing services. Airbnb alone boasts of having over 3 million listings worldwide.

This means that a growing number of you actually need to stop and consider whether claims involving renters are covered by your homeowners’ insurance. Unfortunately, the excitement and opportunity created by new business models make it too easy to overlook the downside.

That being said, there’s always a downside. For example,

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Homeowners Insurance Policy Quote Guide: What You Need to Know About Standard Coverage and Add-Ons

While you might not necessarily “legally” have to have home insurance, there is really no good reason NOT to have at least some type of coverage. After all, for the average person, their home is the most important asset – even more so than any vehicle. Even if you’ve already paid off your mortgage, it’s still in your best interest to search for the ideal homeowners insurance policy quote.

The basic components include coverage for the home and structures (electrical wiring, heating, plumbing fixtures, external fixtures, and so forth) as well as contents (furniture, electronics, clothes, plants, etc… ) What is it all protected from? This varies from policy to policy. However, it typically protects from common threats such as fire, theft, and water damage. There are certain regional threats that might require coverage, such as hurricanes, earthquakes, heavy snow, or tornadoes.

Since even small streams could potentially become ranging ri

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Tips for Finding High Risk Homeowner’s Insurance Companies

For every homeowner, getting a reliable homeowner insurance policy can be a great step in the right direction. However, it is noteworthy that many homeowners to do not qualify for the common insurance policies while some normally find the insurance premiums to be highly unreasonable and therefore they end up being locked out. Any homeowners who have been categorized as a “high risk” should for this reason consider finding high risk homeowner’s insurance companies with which to work with although this should come as the last step towards insuring your home.

When is the high risk home insurance coverage important?

There are many reasons as to why many people are targeted as high risk by the insurance companies. One of these reasons could be due to the poor credit rating which makes it hard not only when it comes to the search of an insurance company but also in many other important day to day engagements. Anyone with a bad credit rating should ho

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