Blog Posts in September, 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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• Posted By Dick Law Firm 15-Sep-2022

  What is Personal Liability Insurance?

  In the event of an accident that results in bodily harm or property damage for which you are held legally accountable, you have personal liability. Personal liability claims may include medical expenses, legal fees, and other costs if a guest is hurt ...

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• Posted By Dick Law Firm 14-Sep-2022

  What is Ordinance or Law Coverage?

  Many people are surprised that this type of coverage can also be a part of your homeowner's insurance policy. You may have heard the terms ordinance or law coverage concerning commercial property insurance. Ordinance or law insurance pays for the ...

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• Posted By Dick Law Firm 14-Sep-2022

  What Isn't Covered By Farm Insurance?

  Be cautious when purchasing farm insurance. There are a few items that you would think are automatically covered but are most likely not. In particular, there are a few coverage considerations about fencing and fires that homeowners must keep in ...

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• Posted By Dick Law Firm 13-Sep-2022

  What Is Matching Line Of Sight Rules In Insurance?

  What is Line Of Sight Matching Rules? You may hear or read the phrase "matching line of sight" when you review your policy. If your home has been damaged and you are reviewing your insurance policy to file a claim, pay special attention to ...

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• Posted By Dick Law Firm 12-Sep-2022

  What Makes A House Uninsurable?

  Insurance companies want to ensure they are not taking on too much risk by insuring your home. If the insurer deems the risk excessive, they may reject your application for coverage or cancel your existing policy. In this instance, an insurance ...

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• Posted By Dick Law Firm 12-Sep-2022

  Is Your Home Insurance Ready For Hurricane Season?

  The hurricane season is from early June to late November, with most hurricanes landing in August and September. And while storms do form in the Pacific, they have never impacted the West Coast of the United States. The same cannot be said for the ...

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• Posted By Dick Law Firm 11-Sep-2022

  What is Contents Insurance?

  When you possess precious products or property, you must ensure they are safeguarded from all possible dangers. Unfortunately, many individuals erroneously believe that their homeowners, renters, or business insurance policy cover all of their ...

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• Posted By Dick Law Firm 11-Sep-2022

  What Makes You Ineligible For Homeowners Insurance?

  Homeowners' insurance is such a vital component of homeownership that many homeowners do not contemplate the prospect of being rejected coverage. Homeowners insurance ensures that you meet the requirements of your mortgage lender and protects ...

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• Posted By Dick Law Firm 10-Sep-2022

  How Is High-Value Home Insurance Different from Traditional Home Insurance?

  In addition to learning that standard homeowner's insurance plans may not be sufficient to cover your high-value home's demands, it is helpful to see the precise areas in which they may fall short. Traditional homeowner's plans often ...

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• Posted By Dick Law Firm 10-Sep-2022

  What is Loss Assessment Insurance and Do You Need It?

  What is Loss Evaluation Coverage? If you reside in a condo or a community with shared spaces, such as a homeowners association, you share some spaces with other owners. Everyone is liable for the expenditures associated with the care and repair of ...

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