Home Insurance Articles

SmartFinancial is here to offer advice and assistance on any of your tough insurance questions.

Home Insurance

Closing Costs: How Much Does it Cost to Buy a Home?

Mortgage payments and possibly a homeowners warranty aren’t the only costs of owning a home. Nope, it doesn’t end with taxes and homeowners insurance either. Most people who set out to buy their first home are in for a surprise when the closing date approaches and they learn that they owe all sorts of money for the house they just bought.

Home Insurance

Homeowners Want to Know: What Is Dwelling Coverage?

According to the dictionary, a dwelling is a house, apartment or any other place of residence. So, it only follows that dwelling coverage on your homeowners insurance refers to the main structure (i.e your home, not the shed). With that said, sometimes other existing structures (shed or a garage) are covered. Confused?

Home Insurance

5 FAQs About Homeowners Insurance Deductibles

The higher the deductible you choose, the lower your monthly payments (premium) will be. However, it’s important to choose your deductible based on what you can afford to pay. With that said, you’ll want to go with the highest deductible you can afford while avoiding filing claims when possible.

Home Insurance

How Is Homeowners Insurance Different from Homeowners Association Insurance (HOA)?

As a homeowner, you want to do the best for your family by protecting them against the unforeseen. You also want to spend the least possible without compromising on quality. When it comes to insurance, you think much the same way. You own a home or condo and want to be insured properly in case something awful happens, like a burglary, fire or storm.

Home Insurance

How Do Insurance Agents Determine Roof Damage Claims?

Homeowners insurance was not designed to cover small or even big fixes, but to repair damage that is covered under the stipulations of your policy. In fact, you may end up paying more in monthly premiums if you file a claim that gets rejected. For this reason, we advise you to fully review your case and your policy to see if you’re covered before filing a claim.

Home Insurance

When You Should and Shouldn't File an Insurance Claim

Home insurance is slightly different from car insurance because there’s usually not another party involved, unless someone is hurt on your property and wants to file a claim. Usually, home insurance is used for major repairs to a damaged home. If you file many claims, the insurance company may hike up your rate or cancel your policy so don’t file a claim for every repair.

Home Insurance

9 Ways to Cut Your Expenses and Save Fast

Many of us are trying to save money, but it’s much easier to do simply by not wasting money. Below, you’ll find 10 easy ways to lower your monthly expenses and meet your financial goals. Saving money just became a breeze!

Home Insurance

20 Coverages You Didn’t Know You Have with Homeowners Insurance

Homeowners insurance is an important protection to have even when it’s not required for a primary home, a vacation home or condo.

Home Insurance

Will I Save if I Bundle My Insurance?

To get an idea of how it works, let’s look at the famous “Bundle When You Bundle” advertising with Progressive and what the reality is behind the slogan.

Home Insurance

What’s the Difference Between a Home Warranty and a Homeowners Insurance Policy?

Homeowners Insurance vs Home Warranty: Are They the Same? This is the most common question first-time homeowners have. This is a good question because it doesn’t assume that the two things are one and the same, because they are not.

Home Insurance

Moving Out of State - What Do I Do About Insurance?

Let’s look a little more deeply into the different kinds of insurance you have and whether or not you need to switch insurers.

Home Insurance

What’s Not Covered in a Homeowners Insurance Policy

We’ll first tell you what a homeowners insurance policy protects you against and then go over add-on homeowners coverages that you should seriously begin considering to ensure that you are covered in all kinds of perils.

Home Insurance

How Do You Switch a Homeowners Insurance Policy?

Many homeowners stick with the first home insurance policy they sign onto because they feel stuck. Why? Because their homeowners policy feels tied to their mortgage when it’s not.

Home Insurance

How to Protect Your Home

What you need to know about home insurance claims and how to find the best coverage at the best price.

Home Insurance

7 Reasons Why Homeowners Should Obtain a Home Insurance Quote Every 2 Years

Obtaining the optimal level of insurance, without overpaying, should be a homeowner’s objective. Here are 7 things to keep in mind.

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