The construction of manufactured homes was not well-monitored until the mid-1970's when Congress passed laws that required builders of so-called mobile homes to conform to the fire and safety codes required of other home builders. Today, manufactured homes…

In many locations, the threat of one or more named perils makes it prohibitively expensive for insurance companies to offer coverage for those risks. However, since mortgage companies require your home to be insured as a condition of the mortgage, it is imperative…

Insurance adjusters will almost always visit your home during regular business hours. This means that if you have a job working during those hours, you may not be home when your insurance adjuster comes by. The home insurance company may tell you that the…

In most cases, the fees paid to a Homeowners Association (HOA) do not include home insurance. The fees are generally used to cover grounds maintenance and community upkeep, and may include termite or pest protection, but probably will not pay for the loss…

Home insurance and homeowners insurance are interchangeable terms that refer to a typical homeowners insurance policy. The policy includes damage and liability coverage for the property, structures on the property, and your possessions on that location. By…

All insurance is based on risk assessment, including insurance for your home. An insurance company looks at the risks associated with your house, your credit, and other factors to determine what your rates need to be to account for those risks. Here are a…

It is important to remember that the market value of a home may not reflect what it would cost to replace it. Many people make the mistake of purchasing insurance for the market value of their home only to discover that the cost of construction and materials…

If the problem is in relation to a claim, you may be limited to a period of 90 days to correct any problems with the claim and make it acceptable to the insurance company. If you do not meet the requirements of the insurance company during that period you…

The home inventory is how you are able to prove to the insurance company what was in your home in case of burglary, fire, or some other disaster. A home inventory should be conducted room by room. Document all property in each room carefully. Video inventories…

If you own a home that is rented, you do not have to carry full homeowners insurance unless the home is still under mortgage and your lender requires you to do so. If you own the home, you can drop the personal property part of the insurance policy because…