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State: Make sure insurance policies are winter-ready

For our families in Massachusetts, the state insurance commissioner has a request for you in the new year – review your insurance coverage!

Massachusetts winters can be tough on your car and especially on your home. Make sure you have the right coverage in place to get you through the winter weather.

Read more on SFGate:

BOSTON (AP) — Winter has officially arrived and Massachusetts officials say that’s a good time for homeowners and motorists to review insurance …

Read the source article at SFGate

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Change in NY law could save homeowners on insurance

Good news in the new year for our readers from New York! A new change in state law could help you lower your homeowners insurance premiums.

You may not have heard of it before, but this new law that is now in effect in New York state can help you save on your homeowners insurance by simply taking a class! You may not like homework, but I think we all like saving money on our homeowners insurance!

Find out more details on WHEC:

A little known change in the law this weekend could end up saving you on your homeowners insurance premiums. It’s not cheap when it comes to …

Read the source article at whec.com

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Those New Home Safety Gadgets You Just Bought? They Won’t Lower Your Insurance Bill Much

The title of this article may be discouraging for your family, but don’t give up just yet! If you got some slick new gadgets for your home this holiday season, make sure to give your agent a call and inquire about insurance discounts. 

Your agent is the best person to advise you on how to save on your homeowners insurance, so don’t let this article steer you wrong! Call your agent to discuss how changes you made to your home in 2016 could help lower your premium in 2017!

Read more about gadgets and insurance on Realtor.com:

Americans are snapping up millions of new security cameras and smoke detectors connected to their Wi-Fi networks. But insurers aren’t yet persuaded the devices will make homes any safer.

Read the source article at realtor.com

Why Do You Need Renters Insurance?

If your family rents, you may want to consider renters insurance. Renters insurance can help protect you from the costs covered damages and disasters could create in your living space.

This piece from Uloop examines some compelling reasons to get your family covered with renters insurance. There are several key coverages that could be financial lifesavers should something happen to your rented home.

Check out the full article on Uloop: 

You get into a car accident and run over someone’s mailbox, you need auto insurance for this. You get injured at work and are unable to continue …

Read the source article at uloop.com

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Vacant Home Insurance: Keeping Your Unoccupied Home Safe

There are many reasons why you may leave your home unoccupied, whether it’s a second home you use seasonally or you are in the midst of home renovations. You may not be aware of the insurance implications of a vacant home. 

Leaving your home unoccupied isn’t as simple as just buying a homeowners insurance policy and hoping for the best. There are coverage nuances related to vacant homes that should be considered before you lock up and leave.

Learn more about insuring your vacation home on Realty Times:

Although your homeowners’ insurance offers financial protection against property damage or destruction, your policy includes coverage exclusions if your residence is unoccupied. If you plan to leave your residence vacant…

Read the source article at realtytimes.com

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Ho, ho … oh, no! Home insurance can cover that holiday disaster

The holiday season brings a lot of fun, but it also brings risks into your home that are not as common at other points throughout the year. Lights, trees, gifts and guests all bring joy, but they can also bring damage to your home. 

Risk management, however small, is essential for a happy holiday season. With these quick tips from USAToday and your existing coverage, you’ll be prepared for whatever comes your way this holiday season.

Behind their charming facades, our homes hide an inner holiday Grinch. Flickering candles? Fire hazard. Snow-dusted walkway? Think slip and fall.

Read the source article at USA TODAY

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What Hobbyists Should Know About Drone Insurance

Christmas is just around the corner and if you’ve got a drone on your list, make sure that you have the right coverage for your new device. Since the personal drone market is new and evolving, risk around the use of drones for personal use is still being understood.

One thing is for sure, if you or a family member get a drone for Christmas this year, make sure you have adequate coverage! Give your agent a call or read on in the Insurance Journal for the latest on drone insurance:

If a drone is on your holiday shopping list, be sure to check your insurance coverage before you crack open that instruction manual and take flight. Damage from a drone is a bit more complicated than handing your kid a …

Read the source article at Insurance Journal

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My Home Was Damaged in a Storm. How Long Will It Take for My Insurance to Pay?

You have the insurance policy – but now what? If you’ve had to file a homeowners insurance claim, it can be a frustrating process as there are many aspects that go into filing and resolving a claim. Before trying to make repairs yourself, get the insurance company involved to better understand their claims process, what they will and will not cover, and how best to proceed.

Read on for more information on realtor.com:

Q: What is the proper wait time to give the insurance to answer your rain damage to your home? – Insured

A: It sounds as though water from a storm has entered and damaged your home and/or property.

We’re sorry to hear you’ve got a mess to clean up. The timing answer isn’t simple because it depends on what’s happened and where you already are in the process.

Read the source article at realtor.com

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Insurance blind spots: 5 coverage gaps that could cost you

In most states, auto insurance is required. If you own a home and have a mortgage to pay off, you’re likely required to have homeowners insurance. You may think these coverages are enough to manage your risk, however, there are some areas that aren’t covered by more common insurance products.

These gaps could leave you and your family vulnerable to large expenses. The Herald-Whig examines 5 common coverage gaps that could cost your family a lot of money:

Yet only 12 percent of homeowners nationwide carry flood coverage , an Insurance Information Institute poll found. Homeowners insurance doesn’t …

Read the source article at Herald

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5 Key Terms In Your Homeowners Insurance Policy

Protecting your family home requires a little bit more effort than just getting a homeowners insurance policy. Understanding the policy and what coverages it will provide for your home and your family is very important in making sure your home is adequately protected.

Insurance jargon may be confusing, but there are 5 key terms that you should know about when getting a policy. This helpful article from Seeking Alpha examines these five insurance terms to help demystify homeowners insurance:

While there are a lot of things you need to be aware of when reading and understanding your home insurance policy, we’d like to help explain the 5 …

Read the source article at Stock Market Insights