Homeowners Archives - Zxcoachoutlet

Mercury Insurance Launches Programs to Help California Homeowners with Wildfire Risk

October 12, 2020

LOS ANGELES, Oct. 12, 2020 /PRNewswire/ — Wildfire season is well underway, with wildfires scorching a record breaking number of acres up and down California, and the peak of the season is yet to come. Mercury Insurance (NYSE: MCY) today announced two new programs the company is launching to help Californians better protect their homes and families if they live in areas prone to wildfires. Homeowners who take one or more steps to either harden their homes against wildfires or live in a community recognized by the National Fire Protection Association® (NFPA) as a Firewise USA® site will be eligible to receive discounts of up to 18%. And, homeowners who have a California Fair Access to Insurance Requirements (FAIR) Plan policy are now able to strengthen their protection with Mercury’s new difference-in-conditions endorsement, which fills the gaps in their FAIR Plan coverage.

Mercury Insurance is one of the

Homeowners who need cash now should try these 3 things

September 30, 2020

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Homeowners in need of cash may want to consider a mortgage refinance loan, balance transfer credit card, or personal loan. (iStock)

The COVID-19 pandemic has left millions of homeowners coping with financial uncertainty. If you’re facing tough times and need cash now, there are some options available.

While you may be considering a home equity line of credit (HELOC) to free up funds, a number of major banks have tightened credit standards and made securing this type of loan all but impossible unless you have a high credit score and rock-solid financial credentials.

If you need money fast, here are three other options to consider.

Refinance loans
Balance transfers or 0% APR Credit cards
Personal loans

1. Refinance loans

With today’s low interest rates, it may be possible to secure a new refinance loan to pay off other debts that are currently at higher rates.

This is an

3 boxes to check before you buy homeowners insurance, according to a financial planner

September 27, 2020

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a man wearing a suit and tie: The author, CFP Malik S. Lee. Martine Beher Photography

Whether you’re getting homeowners insurance for the first time or just updating your policy, there are three boxes you need to check before signing on the dotted line.
First, be sure your policy covers all your valuables, from your jewelry and cash to your deeds and letters of credit.
You should also purchase enough insurance to cover the replacement cost of your home (or slightly more) and consider getting an umbrella policy to cover personal liability.
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For most families in the United States, owning a home is an essential part of the American Dream. And even amid a global pandemic, the data suggest that that particular dream is alive and well.

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In July 2020, the US Census Bureau announced that the homeownership rate

Auto and Homeowners Insurance Information for Colorado, New Mexico, Utah, Wyoming

May 9, 2020

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For authoritative information and resources on COVID-19, including situation reports, guidance, and more, visit CDC’s website, CISA.gov/coronavirus, Colorado Department of Health and Environment, Colorado Governor Resource Page, New Mexico Resource Page, Utah Resource Page, Wyoming Resource Page

Rocky Mountain Region Insurance Bulletins: CO Insurance Payments, Renewals and Cancellation Provisions; FAQ for Renewals and Cancellation Provisions (5.38) CO Governor Press Release on Delivery Drivers; CO Delivery Driver Provisions; New Mexico Insurance Bulletin, Colorado DOI Business Interruption Insurance & COVID-19 FAQ

FEMA Flood Insurance Grace Period: News Release

SBA Coronavirus (COVID-19): Small Business Guidance & Loan Resources

https://www.sba.gov/page/coronavirus-covid-19-small-business-guidance-loan-resources?fbclid=IwAR3O5jQir9rGFWfx7FeUvpvq9vUAT0uAnPJ40OJFcrwjsLtwQCoyGbDjym4

NICB COVID-19 Resource Center

Colorado Emergency Preparedness Partnership: Readiness information for businesses to plan for potential organizational/workforce impacts from COVID-19. CISA.gov/insights. Register for the Colorado’s Business Emergency Operations Center (CO BEOC) for access to situation reports, coordination calls for needed resources and services.

“Is there business income coverage if a governmental authority requires

Mississippi Insurance Department – Homeowner’s Insurance

May 6, 2020

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Home > Consumers > Homeowner’s Insurance

Use the index below to go directly to a particular section on this page:

Homeowner’s Insurance And You

Most people do not think about homeowners insurance until they experience a loss. Homeowners’ insurance can protect you from significant financial loss by
providing a package of both liability and property coverages.

Whether you own a home, condominium or mobile home, rent an apartment, or live on a farm, homeowners insurance is valuable protection that you should not be
without. Your home probably is your largest and most important investment. A homeowners policy will help you protect that investment. Most lenders require that
you have homeowners insurance in place in order to protect their interest. The focus of this page is to help you better understand home owner’s
coveage and to provide tips on lowering your cost.

Basic Coverages Included

Best Homeowners Insurance Companies: What Perks and Benefits Do They Offer?

May 4, 2020

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There are so many good things about owning a home: you can fix it up and sell it for profit, rent it out to someone else to earn income, or simply live in it yourself and never have to worry about rent. The downside is that there is insurance to consider. There is a variety of coverage options depending on where you live and what kind of house you own. What is it that the best homeowners insurance companies offer?

When shopping around for house insurance quotes, you need to know exactly what needs to be insured and what is included in the policy.

Some of the things you might need insurance for include:

• Protection for the dwelling itself, as well as any other buildings on the property like a storage shed or detached garage.

• Protection for the contents INSIDE the dwellings, like electronics, jewelry, furniture, appliances, etc…… Read More

Understanding Your Homeowners Insurance Policy

May 4, 2020

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Homeowners insurance is a policy that protects homeowners from financial liability resulting from damage caused to or on their property. There are several types of insurance policies with different options that protect owners from risk.

Insurance policies cover many risks such as: (1) lightning, (2) theft, (3) vandalism, and (4) falling objects in storms. Other potential issues such as: (1) explosions, (2) civil unrest, (3) falling objects, (3) vehicles, (4) smoke damage, (5) weight of ice snow or sleet, (6) freezing, (7) heating and air-conditioning (8) fire protection systems, (9) appliances, (10) fences, and (11) other dwellings, may be covered under your insurance policy. Standard insurance policies also cover damage from snow and damage to electrical and plumbing systems. Most insurance policies provide a $100,000 per person /$300,000 total per incident liability coverage. There are some surprising items covered under a standard homeowners insurance policy which include other household members’ … Read More

Homeowners Insurance Options – What is Good Neighbor Property Damage?

May 4, 2020

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There is a certain type of coverage option that is often included in a standard homeowners insurance policy that many people are not aware of. It is called the good neighbor property damage coverage. For people who have it, and many do, it will provide you terrific protection for damage caused to your neighbors home that you would be considered liable for.

How does it work? Simple. Coverage is provided for damage caused to a neighbors home by you cutting down a tree and having it smash in their fence. Or, coverage is provided if your kids are playing ball in the front yard and a ball goes through a neighbors window. Surprisingly, coverage is provided even if your neighbor can prove that your kids did damage to their home intentionally.

Damage caused to your neighbors house by pets is also covered with this good neighbor property coverage. If your … Read More

Challenges Of Homeowner’s Insurance and Dogs

May 4, 2020

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Dogs are a very important part of most modern day families. They can be considered children in several households. There are even day spas for dogs now. There’s no question that owning a dog is the standard. However, many people fail to realize that their homeowner insurance policies can be affected by owning a dog. Yes, that beautiful animal that cherish so dearly can also cost you more than just dog food and leashes. Did you know that the specific breed of a dog can cause increased rates or complete coverage denial on your homeowners policy?

Pit bulls, Doberman Pinschers, Rottweilers, German Shepherds, Chows, Great Danes, Akitas, Siberian Huskies and Wolf Hybrids are just a few of the dog breeds that may cause insurance companies to increase rates, deny coverage, or exclude from policies. Even just a mix of these breeds can often times be a problem for your insurance … Read More

Florida Homeowners Insurance | Kin Insurance

May 4, 2020

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While other insurance companies withdraw from Florida because of the high cost of hurricanes, Kin is proud to offer quality, affordable coverage to homeowners who need it most.

So what is the average cost of homeowners insurance in Florida? According to our data, Florida homeowners insurance is about $1,091 a year on average (though cost varies depending on your home’s characteristics, where you live, and other factors).

The best Florida homeowners insurance covers your home, other structures, and belongings for major risks, such as hurricane, sinkhole, and flood damage. If you want to experience peace of mind firsthand, get a quote today.

The average homeowner who switches to Kin saves $500 a year.

Creating the Best Homeowners Insurance in Florida

We are a fully licensed Florida home insurance carrier with a financial stability rating of “A – Exceptional” from Demotech, Inc. That means we have the financial strength to pay

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