6 Big Home Insurance Misconceptions
|
|
- Solomon Sparks
- 8 years ago
- Views:
Transcription
1 6 Big Home Insurance Misconceptions By Matt Kuong, CBC News What's common practice isn't always common knowledge in the home insurance business, as an elderly woman battling cancer learned recently. As revealed by a CBC Go Public investigation, Ivy Scotland, 84, was stunned when she was saddled with an $11,000 repair bill after she left her Pembroke, Ont., home for treatment near her hospital. In the intervening three weeks, the pipes in her home froze and burst, causing water damage. But Grey Power denied Scotland's insurance claim, citing a clause in the policy that Canadians who leave their homes unattended for more than four days in the winter are not eligible for coverage for water damage unless they appoint a responsible person to check the heat inside every day. Cancer patient's home not covered for flood damage because she was away for treatment CBC News Investigates: More stories, videos, photos Insurance experts agree the case is unfortunate, but the rules are as they are. "That's an exclusion on every personalized property insurance policy I know," said Ken Orr, owner of Orr & Associates Insurance Brokers, and a former president of the Insurance Brokers Association of Canada. "We try hard as brokers to tell people in our newsletters and remind them there are limitations in all policies." Standard exclusions aren't always immediately clear, however. Still, there are some general limitations and misconceptions home owners should make themselves aware of: 30-day vacancy rule If you're a property owner whose rented house remains vacant for more than a month, your insurance company can deny coverage for any losses such as fire or water damage. The 30-day rule applies whether or not the customer is paying monthly insurance bills.
2 Scotland was undergoing cancer treatment at Ottawa General Hospital when her furnace went out in her home, causing the pipes to freeze and burst last winter. (CBC) "It can only be vacant for 30 days without notifying your insurance company, then technically the coverage is void," Orr said. "If somebody owns a rented dwelling, and the tenants move out and it might be a month or two before you move back into it, that's a concern." Owners can still obtain what's called a vacancy permit from their insurer so the coverage never ceases after the occupants have moved out. However, this add-on, which must be purchased within the 30 days, is typically limited to exclude malicious acts and vandalism. A primary difference between a "vacant" and an "unoccupied" property is whether furniture is inside, indicating the owner intends to return. Snowbirds, for instance, could still leave for months at a time, and their homes would be considered unoccupied. Jewelry covered only up to a limit Home insurance only covers for the theft or loss of precious jewelry up to a "sub-limit" that could end up vastly undervaluing such items. Some firms might offer coverage for up to $5,000 or $6,000, Orr said. General Insurance Ombudservice Insurance Bureau of Canada Brian Maltman, executive director for the General Insurance OmbudService, which handles insurance disputes for Canadians, recommends consumers get their fine jewelry appraised and purchase an extension to their policies. To do this, they would probably have to provide supporting documentation such as photographs to prove the worth of their high-valued possessions. Limitations for rare items
3 The Browns' St. John's home after it was gutted by fire last Christmas. (Stuart and Annie Hall)
4 Annie and Stuart Brown lost their St. John's home to fire in December (CBC) Stuart and Annie Brown lost their St. John's home in a house fire on Dec. 23, While the couple assumed they would be covered for the value of all the contents in their home, including certain antiquities collected from around the world and valued at $396,000, the Browns were out of luck. Johnson Insurance only offered a quarter of that amount. Orr said the limitations apply for items such as stamp collections (usually $1,000) and coin collections (usually $500), unless extensions are purchased.
5 Sewer backups, earthquakes not covered by basic policies People are often surprised to learn that a sewer backup isn't included in their basic policy, but only through a specific policy extension. Up until a few years ago, sewer backups were a part of many basic policies. "Overland flooding is the kind of natural catastrophe that's sometimes considered beyond the capability of a company to respond to," Maltman said. "Earthquake insurance is similar. One earthquake could wipe out the industry." Despite the fact sewer backup was not covered for many customers, RBC Insurance decided in 2013 to pay Albertans for damages related to the catastrophic summer flooding. Maintenance exclusions Poor upkeep of property can be grounds for denying a claim.
6 Brian Maltman, executive director for the General Insurance Ombudservice, advises anybody travelling for more than a couple of days to have a friend or relative check in on their home every day to make sure the heat still works. (Courtesy Brian Maltman) That's because a home insurance policy is not a "a maintenance policy," says Pete Karageorgos, director of consumer and industry relations with the Insurance Bureau of Canada. Though some natural hazards can't have been avoided, other problems could have been taken care of in the first place. "If there's cracks in your foundation, well, your home is not built so that water seeps into your foundation," Karageorgo says. "That's a maintenance issue, not an insurance issue."
7 The same goes for damage inflicted by household pests. If critters have gnarled away at the attic to the point where a new roof is needed, standard insurance won't help much. "Toronto is undergoing the war with the raccoon now, but damage done by that raccoon, or a squirrel, or any sort of vermin to a person's home has an exclusion there," Karageorgos said. Upgrades could affect policy A few renovation or remodelling projects at home can also have big consequences on your insurance policy, Karageorgos says.
8
9 The front of the Browns' St. John's home after it was gutted by fire last Christmas. (Stuart and Annie Hall) "If you're adding living space by finishing your basement, you're adding value and costs," he says. "You need to let the insurance company know you've updated the countertops, put in natural stone or upgraded the cabinetry." Extensive alternations can also change the policy classification, bump up the replacement cost of your home, or lower premiums. "If you have a bigger home than what you've told the insurance company you had, when you have a claim and the insurance company discovers that material change in risk, that's a no-no," Karageorgos said. "The company may decide not to pay the claim, or they may cancel your policy, or pay the claim and deduct what the additional cost of insurance would have been had you been honest with them from the word go." Insurance brokers strongly recommend home owners carefully dig into their property insurance policies to find out what they're covered for. Anyone with questions can also consult the Insurance Bureau of Canada, or take up grievances with the General Insurance Ombudservice.
The Top FAQ s on. Home Insurance. Will my Homeowner s or Tenant s insurance in Calgary cover damage caused by a flood?
A PUBLICATION BY: GODFREY MORROW GODFREY INSURANCE MORROW AND INSURANCE FINANCIAL AND SERVICES FINANCIAL LTD. SERVICES LTD. 2012 The Top FAQ s on Home Insurance Will my Homeowner s or Tenant s insurance
More informationCommercial Property Insurance
Commercial Property Insurance Insurance Companies: Alberta School Boards Insurance Exchange Subscribing Insurers Insuring Agreement The Insurer agrees to pay the Insured named on the Coverage Summary for
More informationA simple GUIDE TO HOME INSURANCE
A simple GUIDE TO HOME INSURANCE Inside THIS GUIDE What s in this guide?...5 Insurance 101...5 How insurance works...6 Insurance lingo...7 Types of insurance...8 How often should you review your home insurance
More informationGuide to Home Insurance
Guide to Home Insurance Guide to Home Insurance Home insurance provides essential financial protection to everyone, whether they are a tenant living in a small flat or the proud owner of a seven-bedroom
More informationInsuring Fuller Center Houses
Insuring Fuller Center Houses Builders Risk Construction Insurance Once the Fuller Center Covenant Partner acquires property, the task of risk management becomes the responsibility of the organization
More informationStorage Operator s Contract Liability Policy
Storage Operator s Contract Liability Policy AGREEMENT We will provide the insurance described in this policy in return for the premium and compliance with all provisions of this policy. DEFINITIONS We,
More informationConsumer Guide to Manufactured-Homeowners Insurance North Carolina Department of Insurance
Consumer Guide to Manufactured-Homeowners Insurance North Carolina Department of Insurance Wayne Goodwin, Insurance Commissioner A Message from the Commissioner The North Carolina Department of Insurance
More informationHOME CONTENTS INSURANCE
HOME CONTENTS INSURANCE Low cost peace of mind Easy payment weekly or monthly with your rent No excess payment required if you claim Cover for most household items including TV, video, DVD players and
More informationTenants Contents Insurance Policy Summary
Tenants Insurance Policy Summary This is a summary and does not contain the full terms and conditions of the cover, which can be found in the Tenants Policy Wording version 0709. It is important that you
More informationAmended Date of New & Revised Material Updates. How To Reach Us
Oregon Dwelling Fire Product Guide What s New Amended Date of New & Revised Material Updates How To Reach Us Phone / FAX / Email Home Office Agency Services Claims Customer Service (Billing) Marketing
More informationHomeowners Insurance: The Basics. List as many perils that could happen to your home that you can think of.
Homeowners Insurance: The Basics List as many perils that could happen to your home that you can think of. Homeowners Insurance: The Basics A binding, legal contract between the insured and the insurer
More informationHOME INSURANCE OUR MISSION IS YOU. HOMEOWNERS INSURANCE. www.afi.org
HOME INSURANCE OUR MISSION IS YOU. HOMEOWNERS INSURANCE www.afi.org Our Mission Like those who serve our nation, AFI is dedicated to delivering protection and peace of mind. Our unwavering commitment to
More informationAmended Date of New & Revised Material Updates. How To Reach Us
Dwelling Fire Product Guide What s New Amended Date of New & Revised Material Updates How To Reach Us Phone / FAX / Email Home Office Agency Services Claims Customer Service (Billing) Marketing Materials
More informationAll about. insurance and. water damage
All about insurance and water damage Water damage: Tops the list of home insurance claims Water damage now accounts for nearly half of the amounts paid for home insurance claims in Quebec, well ahead of
More informationWORKSHOP 5 Taxes and Insurance 2 Facilitators Needed Estimated Time: 1 hr 40 min
WORKSHOP 5 Taxes and Insurance 2 Facilitators Needed Estimated Time: 1 hr 40 min Things to Prepare BEFORE THE WORKSHOP: ITEM APPENDIX # PAGE # USED Flip Chart 5-1 A-5-1 5-1 Flip Chart 5-2 A-5-1 5-2 Flip
More informationAll about. home. insurance
All about home insurance Legal Deposit Bibliothèque et Archives nationales du Québec, 2011 Legal Deposit Library and Archives Canada, 2011 Table of contents Buying home insurance 4 Who is insured? 4 Who
More informationMANUFACTURED/MOBILE HOME PROGRAM UNDERWRITING RULES & COVERAGE OPTIONS
MANUFACTURED/MOBILE HOME PROGRAM UNDERWRITING RULES & COVERAGE OPTIONS Underwritten by A Rated Carriers Effective: January 1, 2011 This Underwriting Guide is for informational purposes only. Coverage authorization
More informationWater Damage A Rising Concern
Water Damage A Rising Concern Consumer Information Guide Changing weather patterns and the increased severity of rainstorms has led to increased water losses, making water damage the number one property
More informationHOME INSURANCE PROPOSAL FORM HOME INSURANCE PROPOSAL FORM
Allied Cooperative Insurance Group (ACIG) شركة املجموعة املتحدة للتاأمني التعاوين ) أ سيج( Call us: 920012331 www.acig.com.sa When completing this Proposal Form... - Please answer all questions giving
More informationRental Dwelling Policy Comparison
Rental Dwelling Policy Comparison Coverage under the attached renewal policy is provided on our new Rental Dwelling Policy form DH 25-05 (01-97). As a result of this certain areas of coverage are broader
More informationProsperity Insurance Group, Inc. Your Independent Agent Home * Auto * Business www.prosperityinsgrp.com (561) 578-4673
Homeowners Insurance TOOLKIT Florida residents know firsthand that it pays to plan ahead. Dealing with wildfires, floods, tornadoes, hurricanes, winter storms, sinkholes and other disasters, not to mention
More informationBROXTOWE BOROUGH COUNCIL REMINDS ALL TENANTS TO TAKE OUT HOUSEHOLD CONTENTS INSURANCE
BROXTOWE BOROUGH COUNCIL REMINDS ALL TENANTS TO TAKE OUT HOUSEHOLD CONTENTS INSURANCE You can do this either through this scheme arranged by the council or by making your own private arrangements. Many
More informationSmall Business Office Summary of Cover CONTENTS
Small Business Office Summary of Cover CONTENTS What is a Summary of Cover This Summary of Cover was written to provide you with the main features of our Contents insurance. The purpose of this document
More informationConsumer s Quick Check Guide Dwelling Property Policy
Explanation of Coverage Limits and Options Consumer s Quick Check Guide Dwelling Property Policy There are three Dwelling Policy Forms offered in the State of Florida. This Consumer s Quick Check Guide
More informationAffordable Home Contents Insurance
Affordable Home Contents Insurance We remind all tenants and leaseholders to take out household contents insurance. You can do this either through this scheme, arranged by WDH, or by making your own private
More informationHome and Automobile Insurance Guide
Home and Automobile Insurance Guide General Information Finding the best insurance policies to suit your needs can be a complex and confusing business. To help you, we have addressed questions and defined
More informationWhat you. need to know HOME INSURANCE. A consumer information publication
What you HOME INSURANCE need to know A consumer information publication The Minnesota Department of Commerce has prepared this guide to help you better understand home insurance. It gives you information
More informationA CONSUMER'S GUIDE TO RENTER S INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE
A CONSUMER'S GUIDE TO RENTER S INSURANCE from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A MESSAGE FROM YOUR INSURANCE COMMISSIONER Greetings, The North Carolina Department of Insurance
More informationLandlords Insurance. This policy is provided by Legal & General Insurance.
UNDERWRITING AUTHORITY GUIDE Landlords Insurance This policy is provided by Legal & General Insurance. This is not a consumer advertisement. It is intended for professional insurance intermediaries and
More informationOn Your Home. by John Adams, for Fox5 GOOD DAY ATLANTA
SPECIAL REPORT: Ways To Save On Your Home Insurance- by John Adams, for Fox5 GOOD DAY ATLANTA 1 12 Ways to Lower Your Homeowners Insurance Costs edited by John Adams The following originally appeared in
More informationMISSOURI PROPERTY MM INSURANCE PLACEMENT FACILITY PRODUCER GUIDE
MISSOURI PROPERTY MM INSURANCE PLACEMENT FACILITY The Missouri FAIR Plan PRODUCER GUIDE 02/13 INDEX AMOUNT OF INSURANCE... 6 ASSIGNMENT OF INTEREST... 5 AUTHORITY OF PRODUCERS... 3 CANCELLATION... 9 CLAIMS...
More informationTenants Contents Insurance Policy Summary
Tenants Contents Insurance Policy Summary This document is a guide to the cover provided under Your Tenants Contents policy. It is only a summary and does not contain the full terms and conditions of the
More informationBuilding Insurance under TripleGuard Insurance
Application Building Insurance under TripleGuard Insurance For assistance in filling out this application call: CDSPI Advisory Services Inc. 1-800-561-9401 (toll-free) or (416) 296-9401, E-mail: insurance@cdspiadvice.com
More informationCADRI HOMEOWNER PROPERTY INSURANCE SURVEY REPORT
CADRI HOMEOWNER PROPERTY INSURANCE SURVEY REPORT NOVEMBER 2015 1 INTRODUCTION The Canadian Association of Direct Relationship Insurers (CADRI) is a trade association representing insurance companies who
More informationHow to Determine How Much Homeowners Insurance You Need
How to Determine How Much Homeowners Insurance You Need You need enough insurance to cover the following: 1. The structure of your home. 2. Your personal possessions. 3. The cost of additional living expenses
More informationlater damage - Loss ControL
later damage - Loss ControL axisinsurance.ca Table of Contents EXECUTIVE SUMMARY... 1 FACILITY SYSTEMS WATER DAMAGE... 2 Frozen Pipes.....................................................................................
More informationCOMPARISON OF SELECT STANDARD TEXAS HOMEOWNER FORMS WITH ISO HO3. Mike Gibbs imga, LLC
COMPARISON OF SELECT STANDARD TEXAS HOMEOWNER FORMS WITH ISO HO3 Mike Gibbs imga, LLC www.imga.biz FUN WITH FORMS A Detailed, Accurate and Slightly Irreverent Comparison of Texas and ISO Homeowners Policy
More informationCondo insurance: a dripping time bomb
Page 1 of 5 Condo insurance: a dripping time bomb BY ALLISON LAMPERT, THE GAZETTE NOVEMBER 18, 2012 While there are no statistics documenting under-insurance in condominiums, co-owners, lawyers, insurance
More informationWhat is home insurance? What are perils? Whether you own or rent the roof over your head, that roof and everything beneath it has a value.
Whether you own or rent the roof over your head, that roof and everything beneath it has a value. Have you considered how hard it would be to replace everything if a tornado leveled your home? What if
More informationRenters Insurance. Handout 1. Who, me? Why would I need renters insurance?
Handout 1 Renters Insurance Who, me? Why would I need renters insurance? As you wade through the boxes in your bedroom packing for college, look around at each of the things that you value. Whether it's
More informationTHURROCK COUNCIL REMINDS ALL CUSTOMERS TO TAKE OUT HOUSEHOLD CONTENTS INSURANCE
THURROCK COUNCIL REMINDS ALL CUSTOMERS TO TAKE OUT HOUSEHOLD CONTENTS INSURANCE Many customers believe that Thurrock Council automatically insure their furniture, belongings and decorations against fire,
More informationIllinois Insurance Facts Illinois Department of Insurance
Illinois Insurance Facts Illinois Department of Insurance Shopping for Homeowners Insurance Updated January 2014 Note: This information was developed to provide consumers with general information and guidance
More informationUtah Homeowners Forms
Utah Homeowners Forms HOMEOWNERS FORMS AND ENDORSEMENTS The first three positions of the contract form numbers indicate the type of contract. The last two positions is the state code: 43 for Utah. Those
More informationProud Members of the.board. Why condo owners need insurance coverage
Proud Members of the.board Now is the time for home closing protection insurance Home closing protection insurance, can solve many of the problems associated with delayed closings. Due to the growing possibility
More informationDWELLING POLICY. Advisory Notice to Policyholders Pennsylvania IMPORTANT INFORMATION ABOUT YOUR RENEWAL
DWELLING POLICY Advisory Notice to Policyholders Pennsylvania IMPORTANT INFORMATION ABOUT YOUR RENEWAL TRANSFER OF YOUR POLICY TO ANOTHER FORM CHANGES TO YOUR COVERAGE, PREMIUM AND DEDUCTIBLE THIS NOTICE
More informationSimple. Application Form. Household Contents Insurance. Please return your application form to your local housing office
Simple Household Contents Insurance Household Contents Insurance Application Form Please return your application form to your local housing office LEEDS CITY COUNCIL REMINDS ALL CUSTOMERS TO TAKE OUT HOUSEHOLD
More informationInsurer Name: Insurance Company Policy Period: 10/01/2010 09/30/2011 Type of Policy: Homeowners Important 11Things
Insurer Name: Insurance Company Policy Period: 10/01/2010 09/30/2011 Type of Policy: Homeowners Important 11Things YOU NEED TO KNOW ABOUT YOUR HOMEOWNERS POLICY. 1What s covered by my policy? The Property
More informationLooking after your home while you are away
Looking after your home while you are away Important information for householders considering residential care When you are considering the option of residential care, either for short term respite, or
More informationInsuring your. heritage home
Insuring your heritage home So you need to insure your heritage home. First off, congratulations. It is a unique opportunity - and challenge - to own and preserve a piece of Canadian history. And the truth
More informationCOMPARISON OF SELECT STANDARD TEXAS DWELLING FIRE FORMS WITH ISO DP3
COMPARISON OF SELECT STANDARD TEXAS DWELLING FIRE FORMS WITH ISO DP3 www.imga.biz COMPARISON OF SELECT STANDARD TEXAS DWELLING FIRE FORMS WITH ISO DP3 COVERED PROPERTY PERILS INSURED AGAINST EXTENSIONS
More informationHomeowners Insurance Life Advice
Homeowners Insurance Life Advice Protecting your home Homeowners insurance protects your financial investment in your home. Based on your individual needs, you choose specific coverage to provide as much
More informationAGREEMENT DEFINITIONS COVERAGES
Dwelling Property 1 Basic Form Ed. 7-88 AGREEMENT We will provide the insurance described in this policy in return for the premium and compliance with all applicable provisions of this policy. DEFINITIONS
More informationA Consumer s Guide to Homeowners Insurance. A Publication of the Maine Bureau of Insurance
Maine Bureau of Insurance State House Station 34 Augusta, ME 04333-0034 A Consumer s Guide to Homeowners Insurance A Publication of the Maine Bureau of Insurance April 2015 A Consumer s Guide to Homeowners
More informationCONDOMINIUM INSURANCE CONSIDERATIONS OWNER-OCCUPANT AND OWNER WHO RENTS OUT
1 CONDOMINIUM INSURANCE CONSIDERATIONS OWNER-OCCUPANT AND OWNER WHO RENTS OUT BY: ROY L. KAUFMANN CLAUDIO SAYAN LAZARTE 1 OF JACKSON & CAMPBELL, P.C. While the need for casualty and other insurance in
More informationCoverage that fits your lifestyle
CONDOMINIUM UNITOWNERS Coverage that fits your lifestyle Your condominium (condo) association may include insurance for the building s structure, but covering your unit and personal possessions is up to
More informationNewcomer Finances Toolkit. Insurance. Worksheets
Newcomer Finances Toolkit Insurance Worksheets Ottawa Community Loan Fund Fonds d emprunt Communautaire d Ottawa 22 O Meara St., Causeway Work Centre, Ottawa, ON K1Y 4N6 Tel: 613-594-3535 Fax: 613-594-8118
More informationSPECIAL PROVISIONS ñ NEW YORK
HOMEOWNERS HO 01 31 10 02 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SPECIAL PROVISIONS ñ NEW YORK SECTION I ñ PROPERTY COVERAGES E. Additional Coverages 6. Credit Card, Electronic
More informationMARYLAND PROPERTY INSURANCE AVAILABILITY PROGRAM ESSENTIAL HOMEOWNERS INSURANCE INSPECTION AND PLACEMENT
MARYLAND PROPERTY INSURANCE AVAILABILITY PROGRAM ESSENTIAL HOMEOWNERS INSURANCE INSPECTION AND PLACEMENT DATE (MM/DD/YYYY) TO: JOINT INSURANCE ASSOCIATION 170 W. RIDGELY ROAD, SUITE 230 LUTHERVILLE, MARYLAND
More informationA Guide For Homeowners
A Guide For Homeowners If you are ever sued, your standard homeowners or auto policy will provide you with some liability coverage, paying for judgments against you and your attorney's fees, up to a limit
More informationlautorite.qc.ca Choosing Home Insurance
lautorite.qc.ca Choosing Home Insurance About the AMF The Autorité des marchés financiers (AMF) is the regulatory and oversight body for Québec s financial industry. Its mission is to protect the public
More informationC12 INSURANCE ON PROPERTY
Sample Exam C12 INSURANCE ON PROPERTY IMPORTANT The time allowed for this exam is 3 hours. Total marks: 200 You must hand in this paper and any paper used for rough work to the supervisor when you leave
More informationFrequently Asked Questions Homeowner's Insurance
STATE OF WISCONSIN Frequently Asked Questions Homeowner's Insurance OFFICE OF THE COMMISSIONER OF INSURANCE PI-232 (C 04/2015) Buying Homeowner's Insurance (page 1) Renter's Insurance (page 2) Cancellation/Nonrenewal
More informationInsurance Information Institute. Am I Covered? homeowners about insurance. common questions asked by
Insurance Information Institute Am I Covered? common questions asked by homeowners about insurance If a fire, flood, earthquake, or some other natural disaster were to destroy or damage your home, would
More informationHomeowners insurance. protecting your dreams
Homeowners insurance protecting your dreams Your Home is A Dream Come True You ve worked hard for your home. It is a reflection of you and it may serve as the launch pad for your dreams. It s a special
More informationTexas Homeowner Forms and Endorsements Description
Texas Homeowner The following is a brief description of the ISO Homeowners Policy Forms. HO 00 03 10 00. Homeowners 3 Special Form. This form is analogous to the Texas Homeowners Policy - Form B. A side-by-side
More informationUNDERWRITING GUIDELINES HOMEOWNERS ED 05.26.05 BEACH PLAN NCIUA
HO3 Replacement/Special Form, HO2 Replacement/Broad Form, ACV/Modified Form, HO6 Unit-Owners Form, and HO4 Contents Broad Form Named Insured HO3, HO2,, and HO6 All policies must be written in the name
More informationme Insurance Proposal for Home Insurance Home Insurance Proposal for Proposal for COSMOS INSURANCE COMPANY PUBLIC LTD HEAD OFFICE
Proposal for Proposal for Proposal for Home Insurance Home Insurance me Insurance COSMOS INSURANCE COMPANY PUBLIC LTD HEAD OFFICE 46, Griva Digeni Avenue, 1080 Nicosia, P.O.Box 21770, 1513 Nicosia Tel:
More informationOREGON MUTUAL INSURANCE COMPANY DWELLING FIRE
AUTOMATIC INCREASE IN INSURANCE The Company will increase the limits of liability for dwellings and outbuildings at the beginning of each renewal policy period, based upon reports of recognized appraisal
More informationHome insurance basics
Home insurance basics By Nicholas Schidowka, President Insurance Cleveland Agency, LLC When shopping for home insurance, it is important for a homeowner to consider more than how much coverage will cost.
More informationSEND FAIR PLAN COPY TO FAIR PLAN AND PRODUCER RETAIN PRODUCER COPY PLEASE READ REVERSE SIDE OF CHECKLIST FOR AREAS OF ELIGIBILITY ON ALL APPLICATIONS
SEND FAIR PLAN COPY TO FAIR PLAN AND PRODUCER RETAIN PRODUCER COPY PLEASE READ REVERSE SIDE OF CHECKLIST FOR AREAS OF ELIGIBILITY ON ALL APPLICATIONS 1. Give the applicant s mailing address (item 3) and
More informationDISTRICT OF COLUMBIA PROPERTY INSURANCE FACILITY ESSENTIAL HOMEOWNERS INSURANCE INSPECTION AND PLACEMENT
TO: DISTRICT OF COLUMBIA PROPERTY INSURANCE FACILITY 170 W. RIDGELY ROAD, SUITE 230 LUTHERVILLE, MARYLAND 21093 TEL: 1-800-492-5670 FAX: (410) 244-7268 APPLICANT (PLEASE PRINT OR TYPE) NAME DISTRICT OF
More informationA Massachusetts Guide to Understanding the Insurance Policy Covering Your Home
A Massachusetts Guide to Understanding the Insurance Policy Covering Your Home DEVAL L. PATRICK GOVERNOR DANIEL O CONNELL SECRETARY OF HOUSING AND ECONOMIC DEVELOPMENT DANIEL C. CRANE DIRECTOR OF THE OFFICE
More informationCOMPREHENSIVE HOME INSURANCE
COMPREHENSIVE HOME INSURANCE Protect Everything Youre Worked So Hard To Get Rest Assured With Flexible, Affordable Home Insurance Premium Fully Refundable Within 30 Days of Inception The Home Insurance
More informationHOME INSURANCE FREQUENTLY - ASKED QUESTIONS
HOME INSURANCE FREQUENTLY - ASKED QUESTIONS 1. I already have an insurance policy for my house building. Why do I need additional insurance for my home content? These are two different sections integrated
More informationHome. The Instant Insurance Guide: Info and tips for buying homeowners and renters insurance in Delaware. www.delawareinsurance.
The Instant Insurance Guide: Home Info and tips for buying homeowners and renters insurance in Delaware From Karen Weldin Stewart, CIR-ML Delaware s Insurance Commissioner 1-800-282-8611 www.delawareinsurance.gov
More informationFlood Insurance Claims Handbook
National Flood Insurance Program Flood Insurance Claims Handbook FEMA F-687 (07-05) Thank you for protecting yourself through the National Flood Insurance Program Table of Contents Purchasing flood insurance
More informationPERSONAL CLIENT SERVICES
PERSONAL CLIENT SERVICES Marivel Andreu Vice President, Managing Director 201 S. Biscayne Blvd., 34 th Floor Miami, FL 33131 Phone 305-395-3031 Email: mandreu@celedinas.com Presentation to International
More informationHomeowners Insurance. made simple
Homeowners Insurance made simple What s included: How to read your Allstate Policy Declarations Protecting your home and personal property Understanding deductibles Additional protection How to file a
More informationHome Insurance. Your policy summary AXA ABC
Home Insurance Your policy summary AXA ABC February 2014 Policy summary This policy summary does not contain full details and conditions of your insurance these are located in your policy booklet. This
More informationbelongings? It may surprise you to know that the average renter purchases approximately
Renters Insurance State Farm coverage for just pennies a day belongings? It may surprise you to know that the average renter purchases approximately own if something should happen? With a State Farm Renters
More informationRENTERS PROTECTION POLICY - BROAD PERSONAL PROPERTY -
RENTERS PROTECTION POLICY - BROAD PERSONAL PROPERTY - PERSONAL PROPERTY describes the coverage you have in case of loss to your household goods and other personal property. PERSONAL PROPERTY is not complete
More informationPERSONAL INSURANCE. Renters Insurance. Affordable protection for you
PERSONAL INSURANCE Renters Insurance Affordable protection for you ...and Your Personal Possessions In all likelihood, your landlord has insurance on the building you call home. It protects your landlord
More informationALL ABOUT HOME INSURANCE HOME INSURANCE VISIT IBC.CA
ALL ABOUT HOME INSURANCE HOME INSURANCE VISIT IBC.CA TABLE OF CONTENTS DO I REALLY NEED HOME INSURANCE? 4 BUYING HOME INSURANCE 5 Who is insured?... 5 Who can sell you insurance?... 5 Do you qualify for
More informationStates where your mortgages are located:
Lender Placed and Foreclosed Property Policy Application I. Applicant Information Named Insured & Mailing Address Producer Name & Mailing Address Proposed Effective Date: Type of Institution: Date Institution
More informationWhy Recommend Fireman s Fund - Prestige Home Product. Personal Insurance Features and Benefits
Why Recommend Fireman s Fund - Prestige Home Product Personal Insurance Features and Benefits Fireman s Fund Personal Insurance Who We Are Our priorities Deliver customized, innovative products and services.
More informationApplication Form. Household Contents Insurance
JUST FOR YOU HOME CONTENTS INSURANCE Household Contents Insurance Application Form FALKIRK COUNCIL REMINDS ALL CUSTOMERS TO TAKE OUT HOUSEHOLD CONTENTS INSURANCE You can do this either through this scheme
More informationTenants Home Contents Insurance Application Form
Tenants Home Contents Insurance Application Form PLEASE RETURN YOUR COMPLETED APPLICATION FORM TO: Viewpoint Housing Association, 4 South Oswald Road, Edinburgh, Lothian, EH9 2HG Viewpoint Housing Association
More informationHousehold Contents Insurance Application Form
Housing Services Household Contents Insurance Application Form Immediate cover. The opportunity to pay fortnightly with rent. Realistic minimum sums insured. New for Old Insurance. in association with
More informationJUST FOR YOU HOME CONTENTS INSURANCE. Low cost peace of mind. Easy payment weekly with your rent. No excess payment required if you claim
HOME CONTENTS INSURANCE JUST FOR YOU Low cost peace of mind Easy payment weekly with your rent No excess payment required if you claim Cover for most household items including TV, video, DVD players and
More informationSIU CASES OF INTEREST EXECUTIVE SUMMARY
SIU CASES OF INTEREST EXECUTIVE SUMMARY CLAIMS COMMITTEE Claims Operations Miami / Cooking Fire: The insured reported that a pan on the stove caught fire, resulting in smoke damage throughout the home;
More informationYou may be able to save hundreds of dollars a year on homeowners insurance by shopping around. You can also save money with these tips.
Hazard Insurance You may be able to save hundreds of dollars a year on homeowners insurance by shopping around. You can also save money with these tips. Consider a higher deductible. Increasing your deductible
More informationalways home Did You Know? There is a solution
I recommend weekly HomeWatch inspections, however, insurers are now requiring documented HomeWatch inspections every14 days in the homeowner s absence. always home Home management simplified Barry Scarr
More informationAdviceguide Advice that makes a difference
Buildings insurance What is buildings insurance Buildings insurance covers the cost of damage to the structure of your property. This includes the roof, walls, ceilings, floors, doors and windows. Outdoor
More informationThe Home Owner's Guide to Handling A Home Insurance Claim
The Home Owner's Guide to Handling A Home Insurance Claim The Home Owner's Guide to Handling A Home Insurance Claim Handling an insurance claim by yourself can be tricky. You need to be able to interpret
More informationPROPOSAL FORM FOR HOME INSURANCE
United Insurance Company PSC PROPOSAL FORM FOR HOME INSURANCE IMPORTANT NOTES Filling and signing this application form does not automatically result in a contract. Insurance becomes in force once United
More informationLANDLORD INSURANCE MADE SIMPLE
LANDLORD INSURANCE MADE SIMPLE Working with the profession to simplify the language of insurance PROTECT YOUR ASSETS There's more to being a landlord than earning rent. You need to juggle lots of things
More informationSPECIAL REPORT INTRODUCTION
SPECIAL REPORT THE THREE DEADLY SINS OF PROPERTY INSURANCE: COINSURANCE, PROTECTIVE SAFEGUARDS & VACANCY PROVISIONS (01-13-09) This Special Report was written by Daniel P. Hale, J.D., CPCU, ARM, CRM, LIC,
More informationA Consumer s Guide to Homeowners Insurance
A Consumer s Guide to Homeowners Insurance This brochure was developed through the combined efforts of: Illinois Insurance Hotline 1-800-444-3338 Illinois Department of Insurance University of Illinois
More informationUtah Enhanced Homeowners Form
Utah Enhanced Homeowners Forms ENHANCED HOMEOWNERS PROGRAM Mutual of Enumclaw offers a simplified approach to providing Enhanced Homeowners protection. The Enhanced Homeowners policy is a self-contained,
More informationRenters Insurance. When you want to leave nothing to chance.
Renters Insurance When you want to leave nothing to chance. Property Coverage The Renters Policy protects your possessions in the event of: Fire Lightning Windstorm Hail Explosion Riot Aircraft Damage
More information