Blog Posts in 2022

• Posted By Dick Law Firm 30-Sep-2022

  Does Homeowners Insurance Cover Working From Home?

  Does homeowner's insurance cover home-based employment? If the work equipment is yours, the personal property coverage portion of your homeowner's insurance will reimburse you if it is stolen or damaged by a covered risk. However, ...

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• Posted By Dick Law Firm 29-Sep-2022

  Types of Roof Damage Covered by Homeowners Insurance

  For roof damage to be covered by your insurance, it must result from extreme weather. This includes the straight-line winds (also known as damaging winds) that accompany severe thunderstorms, hailstorms, snowstorms, and tornadoes. Your ...

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• Posted By Dick Law Firm 28-Sep-2022

  Best Mobile Home Insurance Companies

  A mobile home, often a manufactured home, provides distinct advantages over a typical home or condominium, such as lower purchase prices and geographical flexibility. However, substantial structural variations typically require a specific form of ...

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• Posted By Dick Law Firm 27-Sep-2022

  Best Homeowners Insurance for New Construction

  Few things are a little more exciting than moving into a brand-new home, primarily if it represents the homeowner's preferences. However, what surprises many new homeowners is the homeowner's insurance discount they receive. Here, we'll ...

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• Posted By Dick Law Firm 26-Sep-2022

  Best Home Insurance for First-Time Buyers

  When purchasing your first home, there are several factors, such as selecting a mortgage lender and real estate agent. Your mortgage lender typically requires insurance coverage as one of the final steps in purchasing a property. However, finding the ...

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• Posted By Dick Law Firm 25-Sep-2022

  Do I Have Insurance for Temporary Housing?

  Consider the following scenario: a small kitchen fire causes damage to your home or apartment, necessitating repairs to the kitchen and the rest of the property. Could you continue to live there comfortably while repairs are being made? Most likely ...

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• Posted By Dick Law Firm 24-Sep-2022

  If the Owner is Not Residing in the Property, Will the Homeowner's Insurance Pay?

  Before making a decision, homeowners must follow up with their insurance company. Your insurance company may reject your claim if an event occurs while you are renting the house after moving out. Your insurer can object and stop providing coverage if ...

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• Posted By Dick Law Firm 23-Sep-2022

  Is Your Home Insured to Its Replacement Cost?

  How much would it cost to rebuild a home that was destroyed by fire? The answer may not be what you expect. And if your home is not insured for its full replacement cost, your homeowner's insurance policy may not pay the whole cost of rebuilding ...

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• Posted By Dick Law Firm 22-Sep-2022

  Should I Modify My Homeowners Insurance Due to Appreciation?

  The majority of Americans are unhappy about their declining property values. It makes one question whether housing values would ever rise (or appreciate). In some respects, admiration is like a unicorn; it's something we've all heard of but ...

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• Posted By Dick Law Firm 21-Sep-2022

  Is Homeowners Insurance Tax Deductible?

  Your homeowner's insurance is not tax deductible if you use your house only as your dwelling. According to the Internal Revenue Service, only private mortgage insurance, can be written off, and not homeowner's insurance. There are, however, ...

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• Posted By Dick Law Firm 20-Sep-2022

  What Insurance Options Are Available for an Inherited House?

  Homeowner's Insurance The deceased homeowner's policy does not automatically transfer to you when you inherit a home. You must obtain your policy. Unless you intend to live in that house, you are unlikely to qualify for a traditional policy. ...

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• Posted By Dick Law Firm 19-Sep-2022

  Homeowners' Insurance Policies for Multigenerational Families

  If your parents or grandparents are moving in with you, or if your children are still living with you, you should consider adding the following policies to your existing house insurance coverage if you haven't already: Secure Personal Property ...

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• Posted By Dick Law Firm 18-Sep-2022

  How To Keep Your Current Insurance Plan

  When you buy an insurance policy, the insurance company often has the right to terminate the coverage anytime during the first sixty days after the policy's effective date. After that, there are very few situations in which they can drop you ...

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• Posted By Dick Law Firm 17-Sep-2022

  What Happens If You Can't Get Homeowners Insurance?

  So, what happens if your application for home insurance is denied? The list of potential disqualifiers is a helpful starting point for determining why the insurance provider found you or your property ineligible for coverage. In some instances, you ...

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• Posted By Dick Law Firm 16-Sep-2022

  What is Loss of Use Coverage?

  How much money would it cost you if something happened and you couldn't live in your home or property for a while? It usually depends on how long you had to wait while your residence was rebuilt or fixed. The total cost could really add up. Loss ...

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