Blog Posts in November, 2022

• Posted By Dick Law Firm 30-Nov-2022

  Does Having Kids Increase Home Insurance?

  A child is an exciting and costly addition to the family. From diapers to college tuition, parents are prepared for the additional expenses accompanying a child's birth. However, you may not anticipate an increase in your homeowner's ...

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• Posted By Dick Law Firm 29-Nov-2022

  Does Adding a Home Security System Save You Money on Home Insurance?

  Installing monitored safety and security equipment in your house can cut your homeowner's insurance premiums by up to 20 percent, on average. Reports have shown that every 30 seconds, a burglary occurs in the United States. Residences without ...

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• Posted By Dick Law Firm 28-Nov-2022

  What Are The Cons Of A Home Warranty?

  When you purchase a property, its maintenance and upkeep must become a top priority. A house warranty is one approach to ensure that its systems and appliances are properly maintained. However, while warranties may be the key to simple home ...

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• Posted By Dick Law Firm 27-Nov-2022

  Does Homeowners Insurance Cover Funeral Expenses?

  Homeowner's insurance does not explicitly cover funeral expenditures. However, if you or your property are judged liable for someone's death, it is possible that your homeowner's insurance will cover the funeral expenses. How does ...

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• Posted By Dick Law Firm 26-Nov-2022

  Does Homeowners Insurance Cover Accidental Death/ Liability?

  does homeowners insurance cover accidental death/ liability? what does homeowners insurance not cover personal liability coverage does not protect who is covered under homeowners insurance policy will homeowners insurance cover a civil lawsuit what ...

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• Posted By Dick Law Firm 25-Nov-2022

  When To Cancel Homeowners Insurance When Selling A House

  It is imperative that you do not terminate your old policy until you no longer have official ownership of the property, not based on a future closing date. Closing dates are subject to change, and if the house closes after your previous policy has ...

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• Posted By Dick Law Firm 24-Nov-2022

  What's Covered By My Insurance If A Winter Storm Strikes?

  Yes, homeowner's insurance protects your home's structure and belongings against various perils, including winter storm damage. If your home becomes uninhabitable after a winter storm, such as if your roof is ripped off by a blizzard, your ...

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• Posted By Dick Law Firm 23-Nov-2022

  What Happens to My Homeowners Insurance Policy When I Move?

  When you move to a new property, it can be difficult to determine what should happen with your existing homeowner's insurance coverage. You can't take it to your new home, so you'll need to work with your homeowner's insurance ...

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• Posted By Dick Law Firm 22-Nov-2022

  How Does Home Insurance Cover Moving?

  Have you lately moved to a new residence? First, congratulations! If you're relocating soon, you've likely felt pushed in several different directions. Plus, while preparing for the move, you're likely working on closing on the new place ...

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• Posted By Dick Law Firm 22-Nov-2022

  Is It Possible To File An Insurance Claim For Poor Workmanship?

  Although you may be insured if a contractor destroys your property, your homeowner's insurance will not cover losses caused by bad workmanship. When a contractor installs anything improperly, does sloppy work, or their design is unsatisfactory, ...

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• Posted By Dick Law Firm 21-Nov-2022

  Common Insurance Mistakes Everyone Makes

  Insurance shopping can be tiresome and intimidating, and it's not uncommon for consumers to make mistakes that typically cost them more in the long run to save money upfront. If you reduce coverage to save money on premiums, you risk being ...

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• Posted By Dick Law Firm 21-Nov-2022

  Does Homeowners Insurance Cover Construction Defects?

  To file a claim on their homeowner's insurance is the first idea of many homeowners who have had troubles due to poor construction work. In addition to their homeowner's insurance typically not covering the damage, filing a claim is often a ...

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• Posted By Dick Law Firm 20-Nov-2022

  Best High-Risk Homeowners Insurance Companies

  When your property is classed as high-risk, it may be difficult to find an insurer willing to cover it. Here are three highly regarded insurers that frequently provide coverage for high-risk homeowners: State Farm: Best Endorsements Allstate Offers ...

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• Posted By Dick Law Firm 20-Nov-2022

  Does Homeowner's Insurance Cover Code Upgrades?

  If a calamity covered by your homeowner's insurance ruins your home, the cost of bringing it up to code may come as a surprise. Most basic homeowner's insurance policies do not cover the expense of bringing the house up to code if it does not ...

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• Posted By Dick Law Firm 19-Nov-2022

  What is Haunted House Insurance?

  In order to safeguard your haunted house business, haunted house insurance is a form of event insurance that includes several coverages. It is also known as haunted attraction insurance or haunted house liability insurance. Who Needs Insurance for a ...

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• Posted By Dick Law Firm 19-Nov-2022

  Can A Homeowner Benefit From Property And Casualty Insurance?

  What Is Personal Accident And Property Insurance? Many different types of insurance fall under the umbrella category of "property and casualty insurance." Homeowners insurance is the type of property and liability insurance that pertains to ...

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• Posted By Dick Law Firm 18-Nov-2022

  What Are Some Common Halloween Home Insurance Claims?

  On Halloween, 24% more house insurance claims are connected to criminal activity than on any other day of the year. As Halloween approaches, prepare for a spike in insurance claims that may directly affect adjusters and insurance firms. Although ...

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• Posted By Dick Law Firm 18-Nov-2022

  Is Homeowner's Insurance Covered Under HOA Insurance?

  When you own a property in a neighborhood managed by an HOA, insurance can be a challenging topic to understand. Do you need homeowner's insurance if your HOA has a master coverage already? What Sets HOA Insurance Differently From Homeowner ...

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• Posted By Dick Law Firm 17-Nov-2022

  What is a Loss History Report?

  A loss history report is a listing of losses connected to an insurance policy. These reports fully explain the type of loss, date, claim amount, and its current status for up to five years in the past; they are the equivalent of a credit score. ...

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• Posted By Dick Law Firm 17-Nov-2022

  Does Homeowners Insurance Cover You When Hosting A Party?

  What a homeowners policy covers depends on the kind of policy, optional endorsements, and incidents. Needed Protections Standard home insurance isn't always enough protection for a private party, so hosts may wish to consider event liability ...

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• Posted By Dick Law Firm 16-Nov-2022

  Does Homeowners Insurance Cover Lead Paint Removal?

  Most likely, homeowner's insurance will not cover lead paint removal. Typically, policies contain clear restrictions for lead and lead-based paint. Perils are a list of probable property damage sources covered by homeowners insurance. Examples of ...

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• Posted By Dick Law Firm 16-Nov-2022

  How Does My Roof Affect My Home Insurance Premium?

  Why Does Your Roof Matter to Your Insurance Company? Your home's roof protects it from rain, hail, snow, trees, and more; any leak or damaged shingle can expose your property to the elements, resulting in significant and expensive claims. What ...

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• Posted By Dick Law Firm 15-Nov-2022

  Does Homeowners Insurance Cover Electrical Problems?

  Does homeowner's insurance protect against electrical issues? Yes, homeowners insurance covers electrical issues within the home. Homes with knob-and-tube and aluminum wiring are the lone exception. Many homes constructed prior to the 1960s still ...

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• Posted By Dick Law Firm 15-Nov-2022

  How Does A Smart Water Leak Detector Impact My Homeowners Insurance?

  How Do Smart Water Leak Detectors Operate? Smart water leak detectors monitor water flow by a mechanical turbine or ultrasonic waves. Some leak detectors shut off the water supply when they detect wetness. If there was a leak under your sink, the ...

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• Posted By Dick Law Firm 14-Nov-2022

  What Is The Distinction Between A Hazard And A Peril?

  The terms hazards and perils are sometimes used interchangeably when referring to insurance, particularly when contrasting the various risks considered by the consumer and the insurer. The two words are similar even though they refer to different ...

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