Blog Posts in April, 2022

• Posted By Dick Law Firm 30-Apr-2022

  Homeowners Insurance Claims and Rates After A Bankruptcy

  There are two things in life that everyone tries to avoid: property damage that is so severe that an insurance claim is required and bankruptcy itself. But it's not uncommon for both to occur. In the event of bankruptcy, how would it influence ...

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• Posted By Dick Law Firm 29-Apr-2022

  Does Homeowner's Insurance Cover Injuries Sustained by the Homeowner?

  If you own your home, you are responsible for keeping it safe. If visitors or other persons come over and are injured, you must have homeowner's insurance to cover their medical bills. Each year, thousands of people are hurt in slips and falls or ...

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• Posted By Dick Law Firm 28-Apr-2022

  How Does Homeowner's Insurance Work in a Foreclosure?

  Facing foreclosure is never a pleasant experience. However, unanticipated events in life can result in these types of circumstances. If you face foreclosure, your homeowner's insurance policy is almost certainly going to be canceled. The monthly ...

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• Posted By Dick Law Firm 27-Apr-2022

  What Are Homeowner Insurance Alternatives?

  Without homeowner's insurance, living is a risky proposition. Any damage to your home, or any injuries sustained on your property, might cost you thousands of dollars. House insurance premiums have climbed considerably in recent years, ...

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• Posted By Dick Law Firm 26-Apr-2022

  Do I Need Homeowners Insurance While Building A New House?

  Few times in life will you face as many choices as you while building a house from the ground up. Which floor plan are you looking for? Whom should you hire as a contractor? Which is better, brick or wood siding? Kitchen hardware in brushed gold or ...

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• Posted By Dick Law Firm 25-Apr-2022

  Will Having A Treehouse Affect My Homeowners Insurance Premiums?

  Many homeowners may consider a treehouse just another structure on their property, similar to a backyard shed or detached garage. Garages and sheds are normally excluded from insurance coverage, so why would a treehouse be? Insurers Are Concerned ...

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• Posted By Dick Law Firm 24-Apr-2022

  Do You Need Special Homeowners Insurance For Older Homes?

  Older homes possess a certain allure that cookie-cutter new construction frequently lacks, from stained-glass windows to dumbwaiters and wood-burning fireplaces. Additionally, older homes are cheaper in many places. However, older homes may be more ...

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• Posted By Dick Law Firm 23-Apr-2022

  Can a Lienholder of Real Property Obtain Homeowners Insurance?

  A mortgage lien ties loan payments to the ownership of your home. You grant a lienholder the authority to seize and sell your property to recoup damages if you default on the obligation by signing into a mortgage arrangement. Due to the ...

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• Posted By Dick Law Firm 22-Apr-2022

  Getting Cheap Homeowners Insurance With Bad Credit

  Getting around a credit check during the house insurance purchasing process is practically impossible because all major home insurance providers consider credit bureau information (CBI) when setting your quote. Because credit reporting is almost ...

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• Posted By Dick Law Firm 21-Apr-2022

  Does Your Credit Score Affect Homeowners Insurance?

  The cost of homeowners insurance is determined by various criteria, including your location, the type of property you own, the level of coverage you choose, and your credit-based insurance score. While your credit score is unlikely to be the primary ...

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• Posted By Dick Law Firm 20-Apr-2022

  What Happens When Your Homeowners Insurance Lapses?

  Unless you are significantly rich and can afford the expenses of rebuilding your home in the event of a fire, you should not allow your homeowner's insurance to lapse. A lapse in homeowner's insurance entails the loss of financial protection ...

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• Posted By Dick Law Firm 19-Apr-2022

  What Happens to Homeowner's Insurance When a Person Dies?

  A homeowners insurance policy safeguards a home by covering any damage or loss to the structure. Typically, the insurance policy includes liability coverage to safeguard against accidents or injuries on the property. When the insured homeowner dies, ...

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• Posted By Dick Law Firm 18-Apr-2022

  Do Both Spouses Need to Be on Homeowners Insurance?

  You are probably aware that moving in with someone is a significant milestone in a relationship. Although you may be eager to immediately begin picking which pieces of furniture to keep, there are some additional logistical considerations. While it ...

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• Posted By Dick Law Firm 17-Apr-2022

  How To Keep Your Insurance In Line With The Transfer Of A Deed

  Many people are unsure of the legal ramifications of passing their residential real estate to an adult child, and they have questions. It is possible that doing so will have some advantages, but you must grasp the potential drawbacks before ...

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• Posted By Dick Law Firm 16-Apr-2022

  Homeowners Insurance Formula for Estimating Personal Property Value

  When calculating the amount of coverage for each homeowner's personal property, home insurers rely on data-rich variables. These variables include the depreciated worth of an item, the cost of replacement, and specific policy options. However, ...

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• Posted By Dick Law Firm 15-Apr-2022

  Does Homeowners Insurance Cover Damage To My Belongings While Moving?

  When you're relocating, you're likely to have many items with you. Thus, you may be wondering if your homes insurance covers you if something occurs to your belongings during the relocation. The explanation is that this is not always the ...

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• Posted By Dick Law Firm 14-Apr-2022

  How Much Personal Liability Coverage Do I Need on a Homeowner's Insurance Policy?

  While house ownership provides numerous benefits, it also carries significant risks, such as personal liability for accidents on your property. Although personal liability insurance is included in most homeowner's policies and can help protect ...

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• Posted By Dick Law Firm 14-Apr-2022

  Is The Moving Process Covered By Your Homeowners Insurance?

  It is important to obtain homeowners insurance to protect your home and all of your personal belongings. But, when the time comes to relocate, do you know whether or not your homeowners' insurance will cover the move? Your homeowners' ...

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• Posted By Dick Law Firm 13-Apr-2022

  What Happens to My Homeowners Insurance Policy When I Move?

  It can be challenging to figure out what to do with your current homeowners' insurance policy when you're moving. Understand that you won't be allowed to transfer it to your new home, so working with your home insurance company to close ...

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• Posted By Dick Law Firm 12-Apr-2022

  Define Homeowners Insurance Broad-Form Policy

  Homeowners insurance pays for damage to your home caused by a covered risk, such as a fire. There are numerous types of insurance. The critical distinction between them is the types of risks covered by the policy. Only a few risks are covered by ...

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• Posted By Dick Law Firm 11-Apr-2022

  How Often Should You Re-Shop Your Homeowners Insurance?

  Homeowners' insurance is a form of financial security that many individuals overlook after acquiring it while purchasing a new house. Insurance premiums are frequently included in your monthly mortgage payment, property taxes, and mortgage ...

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• Posted By Dick Law Firm 10-Apr-2022

  Smart-Home Technology and Homeowners Insurance

  Because smart home devices can help lower the chance of filing a claim, home insurance companies frequently offer incentives, such as discounts, for their installation. That is only one of the reasons smart homes are so popular at the moment. They ...

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• Posted By Dick Law Firm 9-Apr-2022

  Does Homeowners Insurance Cover Furniture?

  While it is important to safeguard your home and exterior structures, most people are just as devoted to their items as they are to their property. After all, your possessions represent a culmination of your life's years and the things that ...

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• Posted By Dick Law Firm 9-Apr-2022

  How Do You Change Homeowners Insurance With An Escrow Account?

  Examine Your Current Insurance Coverage Check for coverage gaps and determine what you're searching for in your future policy. Check out our page on how to change home insurance for more information on what to look for while assessing your ...

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• Posted By Dick Law Firm 8-Apr-2022

  Common Misconceptions About Changing Homeowners Insurance Companies

  Re-shopping is solely to obtain lower policy rates. Re-shopping for homes insurance isn't always about finding a lower rate; you may also need to re-shop if your policy isn't being renewed or if a particular hazard is being excluded from ...

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