Blog Posts in October, 2022

• Posted By Dick Law Firm 31-Oct-2022

  What Holiday Mishaps Does Homeowner's Insurance Cover?

  In the real world, holiday mishaps are all too common and are no laughing matter. However, if you have adequate insurance coverage, you can reduce the financial impact of the majority of disasters. Standard homeowner's insurance policies may or ...

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• Posted By Dick Law Firm 31-Oct-2022

  Will Insurance Cover a House With a Fireplace?

  Rates for homeowner's insurance are based on each insurer's risk estimate of your home, and fireplaces may increase your risk level. Despite the fact that some dangers, like floods and earthquakes, are normally not covered by private ...

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• Posted By Dick Law Firm 30-Oct-2022

  Does Homeowners Insurance Cover Hurricane Damage?

  Strong winds, including hurricanes, are often covered by homeowners insurance policies. However, there can be a separate deductible in your coverage for hurricane damage. A hurricane insurance deductible may be a portion of one or more of your ...

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• Posted By Dick Law Firm 30-Oct-2022

  Which States Have the Cheapest Homeowners Insurance?

  The national average cost of homeowner's insurance for a $250,000 residence is $1,381 per year. However, the cost of your homeowner's insurance depends on a number of variables. Location plays a vital role in determining premiums. Some ...

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• Posted By Dick Law Firm 29-Oct-2022

  What is the Best Hurricane Insurance?

  The Top Hurricane Protection For 2022 Overall Best: State Farm Most Economical: Kin Best Coverage for Personal Property: Lemonade State Farm Due to its extensive agent network in the majority of hurricane-prone areas, solid financial standing, and ...

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• Posted By Dick Law Firm 29-Oct-2022

  Does Having A Fireplace Increase Home Insurance?

  Homeowner's insurance covers fire damage, but certain wood-burning fireplaces and stoves pose a greater risk to your home and may make it difficult to obtain coverage from some insurers. Nothing is like warming up by a fireplace in the dead of ...

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• Posted By Dick Law Firm 28-Oct-2022

  How to Get Home Insurance If You're Disabled

  Buying a home can be stressful enough, but when you must also consider how to insure it, the level of stress increases. Now imagine that you are disabled or elderly and need to make changes to improve accessibility. What is the best way to handle ...

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• Posted By Dick Law Firm 28-Oct-2022

  Does Home Insurance Cover Rain and Flood Damage?

  You can rely on your homeowner's insurance coverage for financial assistance after certain forms of rain-related water damage. However, coverage eligibility is contingent on the source of the water and how the damage occurred. For example, if a ...

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• Posted By Dick Law Firm 27-Oct-2022

  Does Homeowners Insurance Cover Home Modifications For the Disabled?

  Homeowner's insurance will not cover the installation of home modifications for the elderly and/or disabled. However, your policy may cover any alterations or improvements you've made to your home that are damaged or destroyed by a covered ...

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• Posted By Dick Law Firm 27-Oct-2022

  Tips for Filing an Insurance Claim After a Storm

  The Insurance Information Institute (I.I.I.) advises the following tips for filing an insurance claim, whether you are reporting storm damage to your property over the phone or using your mobile device: Contact your insurance immediately to initiate ...

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• Posted By Dick Law Firm 26-Oct-2022

  What Types of Rain Damage Does Homeowners Insurance Cover?

  Whether or not your home's insurance coverage covers your property, if rain destroys your home or valuables depends on how the rain entered your property and the damage it caused. Regular insurance often covers water damage from rain if an ...

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• Posted By Dick Law Firm 26-Oct-2022

  How Long Does a Claim Stay on Your Record?

  Claims on your homeowner's insurance policy will remain on your record for five to seven years, depending on the insurance provider that pulls your claims history. The duration may also depend on the nature of the reported damage. Claims filed by ...

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• Posted By Dick Law Firm 25-Oct-2022

  Does Homeowners Insurance Cover Temporary Housing?

  When a covered hazard renders your house uninhabitable, your homeowner's insurance company pays for temporary accommodation while it restores your property to its previous condition. Imagine a tornado ravaging your neighborhood and destroying ...

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• Posted By Dick Law Firm 24-Oct-2022

  What's the Best Homeowners Insurance for Seniors?

  With the proper homeowner's insurance, senior citizens can have peace of mind and concentrate on what is truly important. Such activities include spending time with family and enjoying retirement. However, What is the Greatest Home Insurance For ...

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• Posted By Dick Law Firm 23-Oct-2022

  Can an Insurance Company Deny a Claim Payment?

  Can an Insurance Company Deny a Claim Payment? Yes, an insurer can deny your property insurance claim payment. Typically, insurance industry participants reject claims through a letter. The letter of denial will provide the rationale for the denial. ...

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• Posted By Dick Law Firm 22-Oct-2022

  What Does Livestock Insurance Cover?

  Livestock Insurance Coverage Extends Beyond Cattle Besides cattle, livestock insurance also covers: Domestic Lambs Swine Goats Horses Mules Donkeys Alpacas and Llamas Standard Farm Insurance Policies Typically Exclude Coverage for Animal Collisions. ...

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• Posted By Dick Law Firm 21-Oct-2022

  What Does Farm Insurance in Texas Cover?

  Farm insurance is a must for every farm or ranch operation in Texas Obtaining the proper farm policies to safeguard your entire investment and way of life can be difficult, so it is essential to understand what is and is not covered. Work with a farm ...

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• Posted By Dick Law Firm 20-Oct-2022

  Does Homeowner's Insurance Cover Personal Injury Claims?

  When someone is wounded on your property or in your home due to an accident or other unintended occurrence, the liability component of your homeowner's insurance policy will normally kick in to cover any personal injury claim. A ...

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• Posted By Dick Law Firm 19-Oct-2022

  How to Make an Accident Injury Claim Against a Homeowners' Insurance Policy

  As soon as Practical, the Insurance Company Must Be Notified of the Accident. There are highly rigorous "notice" requirements in the homeowner's insurance policy clause that provides coverage for accident responsibility to others. These ...

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• Posted By Dick Law Firm 18-Oct-2022

  Reasons to Update Your Homeowners Insurance

  We usually recommend that you reevaluate your homeowner's insurance at least once a year, around the time of renewal, to ensure that you're getting the best coverage, service, and price. However, this is only a starting point. Other times, ...

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• Posted By Dick Law Firm 17-Oct-2022

  Do College Students Need Renters Insurance

  Dependently or with friends while in college is an essential component of the experience for everyone. When considering everything you need for school, including a laptop, furniture, and other needs, renters insurance is frequently forgotten. It is ...

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• Posted By Dick Law Firm 16-Oct-2022

  What's the Difference Between Private Flood Insurance and FEMA Flood Insurance?

  If you're looking for flood insurance, you have many options, ranging from private insurers to government programs. There were few options for homeowners to purchase flood insurance in the past, and they primarily relied on policies written by ...

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• Posted By Dick Law Firm 15-Oct-2022

  Does Renters Insurance Cover Hurricane Damage?

  Your renter's insurance policy is divided into three parts: Personal property insurance : protects your furniture, clothes, and anything else you keep in your apartment. Personal liability and medical expenses: This covers legal and medical ...

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• Posted By Dick Law Firm 14-Oct-2022

  The Difference Between Replacement Cost Value and Actual Cash Value Flood Insurance

  Flood insurance is designed to assist homeowners during some of the most severe weather catastrophes they and their houses may endure, but the aftermath of a flood can vary greatly based on the terms of your policy. This is because policies can pay ...

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• Posted By Dick Law Firm 13-Oct-2022

  Do I Need Flood Insurance If I Don't Live In A Flood Zone?

  Unless your mortgage lender demands it because you reside in a high-risk flood zone, flood insurance is typically viewed as an optional form of homeowner's insurance. However, if flood insurance is optional for you, every homeowner in Texas ...

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