tag:blogger.com,1999:blog-335138922024-03-05T16:44:06.263-08:00Homeowners Insurance JournalNews and information concerning homeowners in the USJVhttp://www.blogger.com/profile/04698357099204609387noreply@blogger.comBlogger12125tag:blogger.com,1999:blog-33513892.post-62908863458858996272008-10-02T10:34:00.000-07:002015-06-16T16:36:08.351-07:00Insurance tipsThe purchase of any insurance is an important decision that depends greatly on your personal situation and goals. Indeed, the amount and type of insurance you need or desire may change as your stage of life changes – single, married, married with children, retirement, old age. <br /><br />Today, the Internet offers several sites that help you comparison shop for many products, including insurance. As with any consumer-oriented product or service, be careful buying online. Shop around and compare prices and policies to make an informed decision.
<a href="http://lacerditapeppapig.blogspot.com">La Peppa Pig</a>JVhttp://www.blogger.com/profile/04698357099204609387noreply@blogger.comtag:blogger.com,1999:blog-33513892.post-37934820948590506172008-07-10T10:10:00.000-07:002008-07-10T10:12:46.962-07:00California wildfires 10/07/08 updateHighway closures: State highways, county and local roads are closed throughout California due to wildfire activities. Closures and delays remain in place for State Highways 1 (Big Sur Area), 32, 70 and 96. Travelers are advised to seek current information from local law enforcement.<br /><br />Evacuations: Areas of Butte, Kern, Monterey, Santa Barbara, Shasta and Trinity counties are under evacuation orders at this time. Precautionary evacuation orders currently exist in areas in Butte, Kern, Mendocino, Monterey, Plumas, Santa Barbara, Shasta and Trinity counties. Residents are advised to monitor their local fire situation, check with local law enforcement agencies for information, and be prepared to evacuate when necessary.<br /><br />Structures:<br />Threatened : 13,067 residences, 158 commercial, 2,626 outbuildings.<br />Destroyed : 99 residences, 1 commercial, 90 outbuildings. <br /><br />CAL FIRE Summary of Fires by County<br /><br />Butte: The Butte Lightning Complex has burned 49,000 acres and is 45% contained. The Butte Fire Information Number is (530) 538-7826. Click Here for more information.<br /><br />Mendocino: The Mendocino Lightning Complex has burned 52,100 acres and is 65% contained. The Mendocino Fire Information Number is (707)-467-6426. Click Here for more information.<br /><br />Shasta & Trinity: The Shasta and Trinity Lightning has burned 57,779 acres and is 45% contained. The Shasta-Trinity Unit Information Number is (530) 225-2510. Click Here for more information.<br /><br />Humboldt: The Humboldt Complex has burned 1,310 acres and is 85% contained. The fires are burning throughout Humboldt County, with the largest fire, the Paradise Fire, north of Shelter Cove and is 925 acres and 85% contained. The Humboldt-Del Norte Fire Information Number is (707) 726-1225.<br /><br />Lassen, Modoc: The Corral Fire burned 12,434 acres and is now 100% contained. Click Here for more information.<br /><br />Mariposa: The Oliver Fire burned 2,789 acres and now 100% contained.Click Here for more information.<br /><br />Lake: The Walker Fire burned 14,500 acres and is now 100% contained. Click Here for more information.<br /><br />Napa & Solano: The Wild Fire burned 40,000 acres and is now 100% contained. Click Here for more information.<br /><br />Santa Clara: The Whitehurst and Hummingbird Fires burned a combined 994 acres and are both now 100% contained. Click Here for more information.<br /><br />Tehama & Glenn: The Tehama-Glenn Lightning Complex burned 22,907 acres and is now 100% contained.JVhttp://www.blogger.com/profile/04698357099204609387noreply@blogger.comtag:blogger.com,1999:blog-33513892.post-171355229940507542008-07-09T12:20:00.000-07:002008-07-09T12:22:16.084-07:00California Wildfires July 2008California Wildfires July 2008<br />Update July 9 at 9AM<br /><br />Current Situation<br /><br />Firefighters continue to make progress in containing wildfires throughout California. To date over fourteen hundred fires have been contained due to the diligent and endless work of firefighters from not only California, but throughout the nation. Red Flag Warnings are in effect throughout northern California and the central California coastal range. Record high temperatures and low humidity are again predicted for northern California today. The priority of firefighting is for the protection of life, property and natural resources.<br /><br />California FIRE Summary of Fires by County<br /><br />Butte: The Butte Lightning Complex has burned 49,000 acres and is 40% contained. The Butte Fire Information Number is (530) 538-7826. Click Here for more information.<br /><br />Mendocino: The Mendocino Lightning Complex has burned 51,200 acres and is 60% contained. The Mendocino Fire Information Number is (707)-467-6426. Click Here for more information.<br /><br />Shasta & Trinity: The Shasta and Trinity Lightning has burned 56,177 acres and is 45% contained. The Shasta-Trinity Unit Information Number is (530) 225-2510. Click Here for more information.<br /><br />Humboldt: The Humboldt Complex has burned 1,310 acres and is 85% contained. The fires are burning throughout Humboldt County, with the largest fire, the Paradise Fire, north of Shelter Cove and is 925 acres and 85% contained. The Humboldt-Del Norte Fire Information Number is (707) 726-1225.<br /><br />Lassen, Modoc: The Corral Fire burned 12,434 acres and is now 100% contained. Click Here for more information.<br /><br />Mariposa: The Oliver Fire burned 2,789 acres and now 100% contained.Click Here for more information.<br /><br />Lake: The Walker Fire burned 14,500 acres and is now 100% contained. Click Here for more information.<br /><br />Napa & Solano: The Wild Fire burned 40,000 acres and is now 100% contained. Click Here for more information.<br /><br />Santa Clara: The Whitehurst and Hummingbird Fires burned a combined 994 acres and are both now 100% contained. Click Here for more information.<br /><br />Tehama & Glenn: The Tehama-Glenn Lightning Complex burned 22,907 acres and is now 100% contained. <br /><br /><br /><br />Highway closures<br /><br />State highways, county and local roads are closed throughout California due to wildfire activities. Closures and delays remain in place for State Highways 1 (Big Sur Area), 32, 70 and 96. Travelers are advised to seek current information from local law enforcement.<br /><br />Evacuations<br /><br />Areas of Butte, Kern, Monterey, Santa Barbara and Shasta counties are under evacuation orders at this time. Precautionary evacuation orders currently exist in areas in Butte, Kern, Mendocino, Monterey, Santa Barbara, Shasta and Plumas counties. Residents are advised to monitor their local fire situation, check with local law enforcement agencies for information, and be prepared to evacuate when necessary.<br /><br />Structures<br /><br />Threatened: 12,823 residences, 165 commercial, 2,763 outbuildings.<br />Destroyed: 96 residences, 1 commercial, 88 outbuildings.<br /><br /><span style="font-style:italic;">source: fire.ca.go</span>JVhttp://www.blogger.com/profile/04698357099204609387noreply@blogger.comtag:blogger.com,1999:blog-33513892.post-29714063851921990892008-06-19T18:59:00.000-07:002008-06-19T19:04:13.296-07:00Fire weather forecastWildfires are a serious concern for homeowners in the United States. The National Interagency Coordination Center's (NICC) offers a large fire incident location map. The site gives you current information on the largest fires going on at any given time in the United States. Here's the link:<br /><br />http://www.nifc.gov/nicc/predictive/outlooks/outlooks.htmJVhttp://www.blogger.com/profile/04698357099204609387noreply@blogger.comtag:blogger.com,1999:blog-33513892.post-40657351951134097282007-10-28T06:09:00.000-07:002007-11-01T18:33:49.488-07:00California home insurance - will premiums go up?Californian homeowners pay <a href="http://homeinsuranceowner.blogspot.com/2007/09/home-insurance-coverage.html">high home insurance premiums</a> to insure their property.<br /><br />Insurance companies now estimate the damages from the recent wildfires could amount to $1.6 billion,<br />and homeowners in California fear their already expensive home insurance might increase even more.<br /><br />But according to the Foundation for Taxpayer and Consumer Rights insurance premiums should not<br />go up because insurance companies have made an estimated $6 billion between 2004 and 2006. <br /><br />However, the immediate concern for thousands of Californians right now is if their homeowners insurance coverage will be enough to fully repair or replace their homes.JVhttp://www.blogger.com/profile/04698357099204609387noreply@blogger.comtag:blogger.com,1999:blog-33513892.post-62721409508275023342007-10-27T11:06:00.000-07:002008-12-11T04:25:02.488-08:00California wildfiresThe wildfires in Southern California have claimed 20 lives and thousands of houses have been destroyed. It has been one of the worst and devastating wildfires in recent California history. Our hearts and prayers go out to the thousands of Californian families who have been affected by this tragedy. <br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhxQudtsgkftSRKg_FS9wGzfTOObXT1ZpjYnkqjFQyE7IGx-WLE6cS5Fa9H9uhpQirEmnBQdfR49qiPlkUgFWCHxrjfAVC3KRAKv7U1mwNa5KGk0RM9__aHsz4dNAQ-LJ6JSEUl/s1600-h/califwildfires1.jpg"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhxQudtsgkftSRKg_FS9wGzfTOObXT1ZpjYnkqjFQyE7IGx-WLE6cS5Fa9H9uhpQirEmnBQdfR49qiPlkUgFWCHxrjfAVC3KRAKv7U1mwNa5KGk0RM9__aHsz4dNAQ-LJ6JSEUl/s320/califwildfires1.jpg" border="0" alt=""id="BLOGGER_PHOTO_ID_5126368446185076658" /></a><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjcYoWb14hiENNkPs3l6sGWQrzkII1_CCvYkkYADjqFGt2pRcbBibd8FA9e-vwi2DZqiR0PdDXunCbOZY1Dse1TtgZJQxMzo-HTMvmTX0fTxEwa_dPb4b0ZXI9Ky4mcuUsxPomg/s1600-h/califwildfires2.jpg"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjcYoWb14hiENNkPs3l6sGWQrzkII1_CCvYkkYADjqFGt2pRcbBibd8FA9e-vwi2DZqiR0PdDXunCbOZY1Dse1TtgZJQxMzo-HTMvmTX0fTxEwa_dPb4b0ZXI9Ky4mcuUsxPomg/s320/califwildfires2.jpg" border="0" alt=""id="BLOGGER_PHOTO_ID_5126368347400828834" /></a><br /><br />All homeowners should realize they need to prepare for the worst. It's important for homeowners to think about their <a href="http://homeinsuranceowner.blogspot.com">home insurance</a> needs and to make sure they have enough coverage.JVhttp://www.blogger.com/profile/04698357099204609387noreply@blogger.comtag:blogger.com,1999:blog-33513892.post-70657842603124069802007-10-08T05:54:00.000-07:002009-03-13T19:31:52.687-07:00Home insurance - coverage and online quotesYour home needs insurance protection in the event of damage to your property. When you think of home insurance, think about protecting the irreplaceable. Although homeowners in the US spend an average $729 a year on <a href="http://homeinsurance-usa.com/">home insurance</a>, many have no insurance or inadequate coverage. A standard policy insures the home itself and the things you keep in it. Damage caused by most disasters is covered but there are exceptions, such as damage caused by floods, earthquakes and poor maintenance. <br /><br />But how much is your homeowners insurance going to cost you? What does a typical home insurance policy cover? What doesn't it cover? Do I need homeowners insurance if I rent or lease?<br /><br />If you'd like to receive a free home insurance guide, please request yours using the form to the right. For free, no obligation <strong>home insurance quotes</strong> use the form at the top of this page.JVhttp://www.blogger.com/profile/04698357099204609387noreply@blogger.comtag:blogger.com,1999:blog-33513892.post-78607194506122550912007-10-08T05:44:00.000-07:002008-01-07T18:01:31.097-08:00How to obtain a discount on home insurance#1 - Raise your deductible : If you have a $250 deductible, consider raising that. Make sure your deductibles are set to an amount you can comfortably afford. <br /><br />#2 - Explore "package discounts" : Consider buying auto and home insurance with the same insurance company. <br /><br />#3 - Install dead bolt locks on exterior doors : This will deter break-ins and often will qualify you for a premium discount. <br /><br />#4 - Install smoke alarms in your house : Fire losses are one of the most expensive types of claims, so insurance companies want to encourage you to have an early warning system in case of fire. By installing one or more smoke alarms, you may be entitled to a premium discount. <br /><br />#5 - Non-smoking household : Smokers in a home represent a higher risk because of the possibility of an accidental fire. If your household consists totally of non-smokers, ask about a premium discount. <br /><br />#6 - Installing a sprinkler system : Fire suppression systems may make you a more attractive customer for a homeowners insurer. If you've gone to the expense and trouble of installing such a system, you should be rewarded for your efforts. <br /><br />#7 - Prevent losses from break-ins with home security systems : Insurance companies encourage their policyholders to adopt these measures and may offer a premium discount for having some sort of home security system(special lighting and <a href="http://home.howstuffworks.com/burglar-alarm.htm">burglar alarms</a>) in place. <br /><br />#8 - Find out about special home insurance discounts offered by your insurance company or agent. You may qualify for a reduced rate if you are over 50 years old, live in a gated community, etcetera. Ask your insurance company or agent about discounts. <br /><br />#9- Be sure to review your policy annually : When shopping for <a href="http://homeinsuranceowner.blogspot.ccom">home insurance</a>, be sure to look at coverage terms, service and pricing that is best for you. Prices may vary by hundreds of dollars, but consider the importance of quality service and coverage -- not just price alone. Increasingly homeowners buy insurance online because of the important savings. <br /><br />Feel free to use the form at the top of this page to request your <a href="http://homeinsuranceowner.blogspot.com/2006/08/home-insurance.html">home owner insurance online quote</a>JVhttp://www.blogger.com/profile/04698357099204609387noreply@blogger.comtag:blogger.com,1999:blog-33513892.post-41219780075884088202007-09-30T11:14:00.000-07:002007-10-28T05:16:34.790-07:00Homeowners insurance coverage<strong>Insurance coverage of Homeowners 3 or "HO-3" policy, the most common type in the U.S.</strong> <br /><br />- Water seepage is excluded under standard <a href="http://homeinsuranceowner.blogspot.com/2007/09/homeowners-insurance.html">homeowners insurance coverage</a>. And if the water seepage is not due to a flood you will not be covered under a flood policy. Problems like seepage are viewed as maintenance issues and are not covered by insurance. <br /><br />- Liability: The standard amount is $100,000. If you feel you need more, consider purchasing higher limits. <br /><br />- The standard homeowners policy provides broad coverage for a large number of perils, including all those listed above: fire, lightning, tornadoes, wind storms, hail, explosions, smoke, vandalism and theft. There are some limits, however, on the amount of insurance provided. <br /><br />Carefully check the dollar limits of insurance in your policy. Make sure you are comfortable with the amount of insurance provided for specific perils. For example, the standard policy provides only $1000 for theft of jewelry. If your jewelry is worth significantly more, you should purchase extra coverage with higher limits. You may wish to add a floater to your policy to cover specific valuable possessions, such as expensive paintings or silverware. This floater will provide both higher limits and protect you from additional risks not covered by your homeowners policy. <br /><br />- Your homeowners policy covers your personal property no matter where it is on your property, including in your car. Note it doesn't cover replacement cost, only current value.<br /><br />- While not specifically included, earthquake coverage is sold as additional coverage to a standard homeowners policy. In some areas, this additional coverage is mandatory.JVhttp://www.blogger.com/profile/04698357099204609387noreply@blogger.comtag:blogger.com,1999:blog-33513892.post-49923968678988431912007-09-17T15:01:00.000-07:002007-10-10T08:57:32.847-07:00Home insurance - most expensive states<strong>The most expensive states in America to insure a home are:</strong><br /><br />Texas<br />Louisiana<br />Oklahoma<br />Florida<br />Mississippi<br />District of colombia<br />California<br />Kansas<br />Colorado<br />Alaska<br /><br />The <em>Average Annual Premium </em>in Alaska is $810. In Texas, the average American family pays $1,362 to insure their home.<br /><br /><strong>Average premiums for homeowners insurance, by state</strong>:<br /><br />Alabama $793<br />Alaska $810<br />Arizona $642 <br />Arkansas $768<br />California $835<br />Colorado $811<br />Connecticut $777 <br />D.C. $894 <br />Delaware $488<br />Florida $929<br />Georgia $635 <br />Hawaii $726<br />Idaho $448 <br />Illinois $659<br />Indiana $636 <br />Iowa $575 <br />Kansas $833<br />Kentucky $615<br />Louisiana $1,074<br />Maine $513<br />Maryland $652 <br />Massachusetts $759<br />Michigan $726<br />Minnesota $767<br />Mississippi $907<br />Missouri $689<br />Montana $661<br />Nebraska $730<br />Nevada $632<br />New Hampshire $599<br />New Jersey $641<br />New Mexico $585 <br />New York $785<br />North Carolina $623<br />North Dakota $704<br />Ohio $523<br />Oklahoma $991<br />Oregon $492<br />Pennsylvania $593<br />Rhode Island $769<br />South Carolina $768<br />South Dakota $601<br />Tennessee $681<br />Texas $1,362<br />Utah $473 <br />Vermont $608<br />Virginia $616 <br />Washington $590<br />West Virginia $616 <br />Wisconsin $483 <br />Wyoming $650<br /><br /><em>(Premiums based on HO-3 insurance, 2004)</em><br /><br />For free, no obligation <strong>home insurance quotes</strong> use the form at the top of this page.JVhttp://www.blogger.com/profile/04698357099204609387noreply@blogger.comtag:blogger.com,1999:blog-33513892.post-73043814008682690602007-03-11T13:28:00.001-07:002007-09-17T15:06:50.687-07:00Types of Home InsuranceThe most commonly used <a href="http://homeinsuranceowner.blogspot.com">home insurance</a> forms are:<br /><br /><strong>HO-1</strong>: also called "Form 1" is very basic coverage, insuring against fire or lightening damage. <br /><br /><strong>HO-2</strong>: also called "Form 2" or “broad coverage,” covers loss of or damage to property resulting from windstorm or hail, theft, explosion, smoke damage from vehicles and aircraft, glass breakage, removal of property endangered by covered peril such as fire, vandalism, malicious mischief, and riot or civil commotion. HO-2 also covers building collapse, freezing of or accidental discharge of water or steam from within plumbing, heating, or air-conditioning, falling objects, weight of snow, ice, or sleet, and rupture or bursting of steam or hot water heating systems. <br /><br /><strong>HO-3</strong>, called the “special” form or "Form 3", insures your home and detached structures against loss or damage from any peril except for those specifically excluded in the policy. This is the policy most homeowners purchase. It is important for you to read your policy carefully to see what is excluded—you may want to cover exclusions with special endorsements. <br /><br /><strong>HO-4</strong>: Form 4, is a tenant’s policy and insures your household contents and personal belongings against the perils of the HO-2 policy. It also covers additional living expenses if needed, medical payments, and also liability protection. <br /><br /><strong>HO-6</strong>: Form 6, covers a condominium unit-owner who wishes to insure items not insured by the association policy, as well as the personal property inside the unit and personal liability protection. <br /><br /><strong>HO-8</strong>: Form 8, is the “older home” policy. Having an older home may preclude your being able to buy a replacement policy; you may have to buy a modified replacement policy instead. This means that instead of replacing such older home materials as plaster walls for example, the policy will pay for standard building materials and processes in use now. <br /><br /><br />Some states designate their forms differently, using such titles as HO-A, HO-B, etc. but the coverages are generally the same.<br /><br />Make sure you have the right coverage for your home and shop around for the best home insurance rates.JVhttp://www.blogger.com/profile/04698357099204609387noreply@blogger.comtag:blogger.com,1999:blog-33513892.post-1156820769782233752006-08-28T20:05:00.000-07:002007-10-23T07:52:43.585-07:00Home owner insurance online quoteIt is important to <strong>insure your home to replacement cost value</strong> because under certain circumstances you may be subject to a recovery amount less than what it would cost you to restore your home to its pre-loss condition.<br /><br />Many companies give a premium reduction if you install a smokedetector, burglar alarm, dead bolt locks and fire extinguishers.<br /><br />Discounts may also be obtained if you purchase other policies through the same company.<br /><br />An informed consumer can obtain more value for his or her insurance dollar. Prices for nearly identical home insurance coverage vary greatly among companies so shop and compare.<br /><br />If you'd like to <strong>receive your free home owner insurance quote, use the online form near the top of this page</strong>.JVhttp://www.blogger.com/profile/04698357099204609387noreply@blogger.com