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Tips to save money on your homeowner insurance quote in Florida.  Insurance in Florida for a condo, mobile home, or manufactured home is ranked No. 2 among the states with the highest average insurance rates in the United States. The range of annual premiums is $1,016 to as high as $1,386.

Why are the rates so high in the Sunshine State? There are a number of unique perils that make Florida a high-risk region. Some of these perils include fire, floods, hurricanes, and sinkholes. With so many natural disasters that threaten life and property, it certainly is no surprise why homeowner insurance in Florida is so expensive, especially in certain areas where these perils pose an ever-present danger.

It is because of the expensive prices of policies that Florida state laws do not require homeowners to purchase home insurance. But if one wants to protect his/her home and personal belongings from natural calamities, then home insurance is a must have. There are select circumstances, however, wherein Florida law requires residents to get homeowner insurance. These are…

· Liability Coverage – If the homeowner has certain pets or owns a swimming pool. This covers injuries suffered by people on the property (other than the homeowner and his/her family), as well as damage to the property of others.

· Mortgaged homes – Require minimum insurance coverage. It is best to inquire with mortgage lenders about the minimum coverage that are to be included in the policy.

· Apartments and condominiums – These have their own special types of insurance. Condo insurance particularly covers improvements to the unit and the unit owner’s personal property.

The standard homeowner insurance policy in Florida does not have certain coverage which one could find in policy packages in other states. These types of coverage are listed below. One may have to pay extra to have any of this coverage added to the basic policy…

· Personal Property – Pays for damages to personal belongings in the home. Limits may be set on certain valuable personal properties, like jewelry, antiques and electronic gadgets.

· Personal Liability – Protection from lawsuits in case someone is injured while on the homeowner’s property or damage occurs to other people’s property as a result of the homeowner’s negligence.

·Additional Living Expenses – Also known as ALE Coverage, this will help pay for the homeowner and his/her family’s living expenses (apartment rental, food, etc.) while their home is being rebuilt or repaired.

· Flood Coverage – Although windstorm damage from hurricanes is covered in the standard policy, floods resulting from natural calamities are excluded. One could apply for flood coverage from the National Flood Insurance Program.

It is because of the fact that Florida homeowner insurance is so expensive that policy owners look for ways to reduce their premiums. Obviously, properties near the coast or are far from fire stations would have higher insurance rates. Comparing insurance rates of the various insurance providers in the state could help homeowners in determining the best policy for their needs at a price they could afford. Installing protective devices and security alarms have their corresponding discount equivalents in the insurance policy.

While homeowner insurance in Florida may be costly, even greater could be the homeowners’ expenses if they do not have an insurance that could share the financial burden if tragedy strikes upon their prized home.

Find a homeowner insurance policy in each of these Florida cities:
Alachua – Altamonte Springs – Andover – Apollo Beach – Apopka – Arcadia – Atlantic Beach – Auburndale – Aventura – Avon Park – Azalea Park – Bartow – Bayonet Point – Bayshore Gardens – Beacon Square – Bee Ridge – Bellair-Meadowbrook Terrace – Belle Glade – Bellview – Beverly Hills – Bloomingdale – Boca Del Mar – Boca Raton – Bonita Springs – Boynton Beach – Bradenton – Brandon – Brent – Broadview Park – Brooksville – Brownsville – Callaway – Cape Canaveral – Cape Coral – Carol City – Casselberry – Century Village – Cheval – Citrus Park – Citrus Ridge – Clearwater – Clermont – Clewiston – Cocoa – Cocoa Beach – Coconut Creek – Collier Manor-Cresthaven – Conway – Cooper City – Coral Gables – Coral Springs – Coral Terrace – Country Club – Country Walk – Crestview – Cutler – Cutler Ridge – Cypress Gardens – Cypress Lake – Dade City – Dania Beach – Davie – Daytona Beach – De Bary – De Land – Deerfield Beach – Delray Beach – Deltona – Destin – Doctor Phillips – Doral – Dunedin – East Lake – East Perrine – Edgewater – Eglin AFB – Egypt Lake-Leto – Elfers – Englewood – Ensley – Estero – Eustis – Fairview Shores – Fern Park – Fernandina Beach – Ferry Pass – Florida City – Florida Ridge – Forest City – Fort Lauderdale – Fort Myers – Fort Myers Beach – Fort Pierce – Fort Pierce North – Fort Walton Beach – Fountainbleau – Fruit Cove – Fruitville – Gainesville – Marco Island – Margate – Marianna – McGregor – Meadow Woods – Medulla – Melbourne – Melrose Park – Memphis – Merritt Island – Miami – Miami Beach – Miami Lakes – Miami Shores – Miami Springs – Micco – Middleburg – Milton – Mims – Miramar – Mount Dora – Myrtle Grove – Naples – Naples Park – Neptune Beach – New Port Richey – New Port Richey East – New Smyrna Beach – Niceville – Norland – North Andrews Gardens – North Bay Village – North Fort Myers – North Lauderdale – North Miami – North Miami Beach – North Palm Beach – North Port – North Sarasota – Oak Ridge – Oakland Park – Ocala – Ocoee – Ojus – Oldsmar – Olympia Heights – Opa-locka – Opa-locka North – Orange City – Orange Park – Orlando – Orlovista – Ormond Beach – Ormond-By-The-Sea – Oviedo – Pace – Palatka – Palm Bay – Palm Beach – Palm Beach Gardens – Palm City – Palm Coast – Palm Harbor – Palm River-Clair Mel – Palm Springs – Palm Valley – Palmetto – Palmetto Estates – Panama City – Panama City Beach – Parkland – Pembroke Park – Pembroke Pines – Pensacola – Perry – Pine Castle – Pine Hills – Pinecrest – Pinellas Park – Pinewood – Plant City – Plantation – Poinciana – Pompano Beach – Pompano Beach Highlands – Port Charlotte – Port Orange – Port Salerno – Port St. John – Port St. Lucie – Princeton – Punta Gorda – Quincy – Richmond Heights – Richmond West – Riverview – Riviera Beach – Rockledge – Rotonda – Royal Palm Beach – Ruskin – Safety Harbor – San Carlos Park – Sandalfoot Cove – Sanford – Sanibel – Sarasota – Sarasota Springs – Satellite Beach – Scott Lake – Sebastian – Sebring – Seminole – Shady Hills – Siesta Key – Silver Springs Shores – South Bradenton – South Daytona – South Highpoint – South Miami – South Miami Heights – South Patrick Shores – South Venice – Southeast Arcadia – Southgate – Spring Hill – Springfield – St. Augustine – St. Cloud – St. Pete Beach – St. Petersburg – Stuart – Sugarmill Woods – Sunny Isles Beach – Sunrise – Sunset – Sweetwater – Tallahassee – Tamarac – Tamiami – Tampa – West Palm Beach – West Pensacola – West Perrine – West Vero Corridor – West and East Lealman – Westchase – Westchester – Westgate-Belvedere Homes – Weston – Westview – Westwood Lakes – Williamsburg – Wilton Manors – Winston – Winter Garden – Winter Haven – Winter Park – Winter Springs – Wright – Yeehaw Junction – Yulee – Zephyrhills

Homeowner insurance in Florida provides coverage in the event of damage to your property from theft, fire, floods, and natural disasters as well as protects you from liability for injuries or damage caused to people on your property. The right homeowner insurance plan  can help you make the best choices about this important protection for you and your family. Get free quotes on homeowner insurance in Florida above.

 

Save a lot of money with a homeowner insurance quote in Georgia from a top company near you. Homeowner insurance coverage in Georgia for a condo or mobile home falls in the mid-range of average insurance rates in the United States. Annual premiums in the state are in the range of $743 to $776.

There are a number of natural disasters that could befall Georgica residents, such as hurricanes, strong winds, floods, blizzards, and tornadoes. That is why having a homeowner insurance policy would be of great help if the home is ever damaged or destroyed by natural calamities.

A basic homeowner insurance policy in Georgia consists of four types of coverage…

· Structural Coverage – Pays for damages on the actual structure of the home caused by fire, wind, hail, and theft, etc.

· Personal Property Coverage – Covers personal possessions that are stored in the home, the homeowner’s vehicle, and detached structures, such as a garage or shed. This coverage is available as Actual Cash Value Coverage and Replacement Cost Coverage.

· Liability Coverage – Accords protection against lawsuits and claims resulting from physical injury or damage to another person’s property because of negligence on the part of the homeowner.

· Additional Living Expenses – If damage to the house forces the homeowner and his/her family to rent an apartment or live elsewhere, this coverage will provide the funds so that they could continue to enjoy a normal standard of living.

Like the other 49 states of the U.S., the standard homeowner insurance policy in Georgia does not include flood coverage resulting from hurricanes (although it does cover flood damage caused by busted water heaters or air conditioners. One should check the policy of flood coverage also applies to backed-up pumps and sewers). Flood coverage is a rider that is added to the basic policy or obtained as a separate coverage through the National Flood Insurance Program.

Condominium owners have their own insurance policy. The condominium association policy covers the entire condo building and the common areas, such as hallways, stairs, etc. Individual unit owners are required to pay a certain percentage of the association policy. Condominium insurance coverage, on the other hand, protects the wall, floors and ceiling coverings, any upgrades and improvements made to the unit, and personal belongings contain within the unit’s four walls.

It is important for homeowners to know that Georgia keeps a record of claims on consumers and property over a period of the last five years. Known as the Comprehensive Loss Underwriting Exchange Report (or CLUE Report), these files are studied by insurance companies before approving coverage to a prospective applicant. The CLUE Reports can also be accessed by homeowners through the ChoicePoint Consumer Disclosure by virtue of the Fair Credit Reporting Act. This would allow homeowners to know why their applications for claims have been denied or they would be forewarned of any problems — such as claims filed against the property by previous homeowners — that would make it difficult for them to make claims.

With Georgia being a high-risk region for natural disasters, some insurance providers have ceased approving policies to new homeowners. A homeowner who has been rejected three times by private insurance corporations (the maximum requirement) could avail of homeowner insurance in Georgia through the state’s FAIR Plan.

Find  homeowner insurance rates in each of these Georgia cities:

Acworth – Albany – Alpharetta – Americus – Athens-Clarke County – Atlanta – Auburn – Augusta-Richmond County – Bainbridge – Belvedere Park – Brunswick – Buford – Cairo – Calhoun – Candler-McAfee – Canton – Carrollton – Cartersville – Cedartown – Chamblee – Clarkston – College Park – Columbus – Conley – Conyers – Cordele – Country Club Estates – Covington – Dalton – Decatur – Dock Junction – Doraville – Douglas – Douglasville – Druid Hills – Dublin – Duluth – Dunwoody – East Point – Eatonton – Evans – Fair Oaks – Fairview – Fayetteville – Fitzgerald – Forest Park – Fort Benning South – Fort Oglethorpe – Fort Stewart – Fort Valley – Gainesville – Garden City – Georgetown – Gresham Park – Griffin – Grovetown – Hapeville – Hinesville – Irondale – Jesup – Kennesaw – Kingsland – La Fayette – LaGrange – Lawrenceville – Lilburn – Mableton – Macon – Marietta – Martinez – McDonough – Milledgeville – Monroe – Moultrie – Mountain Park – Newnan – Norcross – North Atlanta – North Decatur – North Druid Hills – Panthersville – Peachtree City – Perry – Pooler – Powder Springs – Redan – Richmond Hill – Riverdale – Rome – Roswell – Sandersville – Sandy Springs – Savannah – Scottdale – Skidaway Island – Smyrna – Snellville – St. Marys – St. Simons – Statesboro – Stockbridge – Stone Mountain – Sugar Hill – Suwanee – Swainsboro – Thomaston – Thomasville – Thomson – Tifton – Toccoa – Tucker – Union City – Valdosta – Vidalia – Vinings – Warner Robins – Waycross – Wilmington Island – Winder – Woodstock

Homeowner insurance in Georgia provides coverage in the event of damage to your property from theft, fire, floods, and natural disasters as well as protects you from liability for injuries or damage caused to people on your property. The right homeowner insurance plan  can help you make the best choices about this important protection for you and your family. Get free quotes on homeowner insurance in Georgia above.

 

Ok, you need to save money on your homeowner insurance quote in Hawaii. Here is some great information to help you do just that. Homeowner insurance in Hawaii for a house, or condo falls in the upper mid-range of average insurance rates in the U.S. Average annual premiums in the state cost $776.

The state of Hawaii, however, is noted for a wide variety of natural perils. The most common of these perils are hurricanes, flash floods and earthquakes. Unlike other states, Hawaii is a high-risk area for volcanic eruptions and tsunamis. In fact, records have shown that the state experiences, on average, one tsunami per year. It is not surprising therefore, that homeowner insurance in Hawaii is slightly more expensive than other mid-level states.

It is precisely because of the threat of natural disasters that basic insurance policies in Hawaii provide homeowners with the opportunity to avail of important add-ons at reasonable prices.

The most important add-on coverage that every Hawaiian resident should consider are the following…

· Flood Coverage - Protects the home from damages caused by flash floods and hurricane-related floods. This is NOT the same as the coverage in basic policies that provide protection against floods caused by busted washers, water heaters, and air conditioners. Available as a rider to the standard homeowner policy, one could also avail of flood coverage from the National Flood Insurance Program. In addition, it should be noted that hurricane wind damage IS covered by the standard policy.

· Earthquake - Protects the home from damages caused by earthquakes and volcanic eruption-related tremors.

·  Volcanic eruptions – Aside from eruption-related quakes, this coverage applies to damages caused by ash falls, lava flows, pyroclastic flows, lahars, and falling debris that have been blown out of the volcano’s crater. Coverage for damage caused by volcanic eruptions should be included in the basic policy. But if this peril is excluded in the standard policy, the homeowner should make inquiries with their insurance provider.

· Tsunami Coverage – This coverage provides protection for flood damages caused by tsunamis.

While obviously there is very little that a homeowner could do to protect himself or herself from natural disasters, there are ways by which they could get discounts on their premiums. To be assured that a homeowner is getting excellent coverage at an affordable price, he or she should compare rates of the various insurance providers in the state. Homes that are near the coast or active volcanoes and are far from fire stations would naturally have higher premiums. But, minimum discounts could also be obtained for these houses if they are built from brick, concrete or sturdier construction materials. The installation of security alarms and protective devices have equivalent premium discounts as stated in the policy. Last but certainly not least, smoking is considered a fire hazard among insurance providers. Homeowners could avail of discounts if they or members of their family would quit the habit of smoking.

Because of the uniqueness of the conditions in the state, potential property buyers are advised to consult with their insurance companies or directly to the Hawaii’s Department of Commerce & Consumer Affairs for their concerns regarding homeowner insurance in Hawaii.

 

Find  homeowner insurance rates in each of these Hawaii cities:

Ahuimanu – Aiea – Ewa Beach – Haiku-Pauwela – Halawa – Hawaiian Paradise Park – Hilo – Holualoa – Honolulu – Kahului – Kailua – Kalaoa – Kaneohe – Kaneohe Station – Kapaa – Kihei – Lahaina – Makaha – Makakilo City – Makawao – Mililani Town – Nanakuli – Napili-Honokowai – Pearl City – Pukalani – Schofield Barracks – Village Park – Wahiawa – Waianae – Waihee-Waiehu – Wailuku – Waimalu – Waimea – Waipahu – Waipio – Hawaii County – Honolulu County – Kalawao County – Kauai County – Maui County

Homeowner insurance in Hawaii provides coverage in the event of damage to your property from theft, fire, floods, and natural disasters as well as protects you from liability for injuries or damage caused to people on your property. The right homeowner insurance plan  can help you make the best choices about this important protection for you and your family. Get free quotes on homeowner insurance in Hawaii above.

 

If you are shopping for a homeowner insurance quote in Idaho, read the information below to save the most money on your coverage. Homeowner insurance coverage in Idaho for a home or condo is ranked No. 49 in terms of average insurance rates. Just how cheap is insurance in Idaho? Annual premiums only cost $362 to $477.

It is precisely because of the fact that insurance is so cheap that homeowners in Idaho should avail of this opportunity, even if the state has a considerably low risk for natural disasters.

It is very important for homeowners to know that certain factors could influence the premiums of homeowner insurance in Idaho. These factors that should be considered are as follows…

· Age of the home

New homes are cheaper to insure. Insurance companies may limit coverage or refuse outright to insure older homes.

· Construction of the home
The sturdier the home, the lesser the insurance cost. For example, insurance rates of brick homes are lower than frame houses.

· Fire Protection
Insurance of premiums are lesser if the home is near a fire hydrant or a fire station.

· Discounts
Savings on insurance premiums could be availed by getting several types of coverage from the same insurance company. For example, aside from homeowner insurance, one could get a bundled package with car and life insurance, to get a higher discount. Other discounts may be availed of by having protective devices and security alarms installed in the home. Deadbolts on exterior doors and locks and bars on windows also have equivalent discount on premiums. Like most states, Idaho considers smoking a fire hazard, so a homeowner could get additional discounts if he/she or their family members would quit the habit.

One important factor that could lower premiums is deductibles. This refers to the amount of money that the homeowner will take responsibility for when claims are to be made on home and personal property coverage. For example, in a claim for a stolen computer worth $2,000, a $1,000 deductible means that the homeowner will shoulder this amount to have the computer replaced while the insurer will pay the other $1000.

Idaho homeowners should be wary of getting higher deductibles just to lower their premiums. Such a move could backfire drastically in that he or she could end up paying for most of the damages and replacement costs out of their pockets instead of having the insurance company shoulder the financial burden.

There is one last, but very important reminder when it comes to homeowner insurance in Idaho. An insurance provider may, at any time, choose to cancel a homeowner insurance policy for non-payment of premiums. Idaho insurance laws, however, strictly requires that the insurer send a cancellation notice to the policy holder at least 30 days before the cancellation date. This would apply if the reason for the cancellation of the policy is other than non-payment of premiums. But, if the policy has not paid his or her premiums, the cancellation notice is to be sent only ten days in advance of the cancellation date.

With such a low cost of insurance, there is absolutely no reason for homeowners in Idaho not to get even a basic homeowner policy. Despite its low risk for natural disasters, calamities could occur at any time and any place, so it would be best for Idaho homeowners to protect their most valuable investment, namely their home.

Find  homeowner insurance rates in each of these Idaho cities or counties
Ammon – Blackfoot – Boise – Burley – Caldwell – Chubbuck – Coeur d’Alene – Eagle – Garden City – Hailey – Hayden – Idaho Falls – Jerome – Lewiston – Meridian – Moscow – Mountain Home – Mountain Home AFB – Nampa – Payette – Pocatello – Post Falls – Rexburg – Sandpoint – Twin Falls – Ada County – Adams  – Bannock  – Bear Lake  – Benewah  – Bingham County – Blaine  – Boise County – Bonner County – Bonneville  – Boundary  – Butte  – Camas  – Canyon  – Caribou  – Cassia  – Clark County – Clearwater  – Custer  – Elmore  – Franklin  – Fremont  – Gem County – Gooding  – Idaho  – Jefferson  – Jerome County – Kootenai County – Latah County – Lemhi  – Lewis  – Lincoln  – Madison  – Minidoka  – Nez Perce  – Oneida  – Owyhee  – Payette  – Power  – Shoshone  – Teton County – Twin Falls County – Valley County – Washington County

Homeowner insurance in Idaho provides coverage in the event of damage to your property from theft, fire, floods, and natural disasters as well as protects you from liability for injuries or damage caused to people on your property. The right homeowner insurance plan  can help you make the best choices about this important protection for you and your family. Get free quotes on homeowner insurance in Idaho above.

 

Time to shop around again for a homeowner insurance quote in Illinois. Homeowner insurance coverage for a condo or home in Illinois falls along the mid-range of average insurance rates in the United States. Annual insurance premiums in the state fall within the range of $647 to $674.

Illinois is among the few states in the U.S. that requires every resident to acquire homeowner insurance. However, it is important to mention that state law grants permission to insurance companies to use credit scores to determine if the applicant for a policy should be accepted. Credit scores also guide insurance providers if the rates in the policy should be changed or if the policy should even be renewed.

Thankfully, Illinois has its own Fair Access to Insurance Requirements (FAIR Plan), which assists consumers who have been rejected three times by private companies in getting an insurance.

There are three basic types of coverage in homeowner insurance in Illinois. Mortgage lenders would have requirements that the homeowner should meet in the basic policy before their loan could be approved. It is advisable to get a policy whose coverage is greater than the basic requirements in order to be assured of protection for the home.

These three basic coverage are…

Broad Form (HO-2) – Provides coverage for specifically listed perils and hazards

Special Form (HO-3) – Aside from the basic coverage listed in HO-2, HO-3 also includes Property and Liability Coverage, Loss of Use Coverage and Personal Property Protection.

Comprehensive Form (HO-3/HO-5) – This is the broadest form of coverage which provides protection for every hazard except floods.

Depending upon the terms of the homeowner insurance policy, there are four ways by which claims are settled by Illinois insurance companies…

· Actual Cash Value – Payment is limited to the actual value of the property before it was damaged or destroyed in a disaster, regardless of the current cost of the home. This is the most common type of insurance coverage, which takes into account the current value of any item that is stolen or lost or destroyed in the home. This coverage offers a payment or settlement equivalent to the current depreciated value of the item regardless of whether or not the item could be repaired or bought at the current price levels.

· Replacement Cost – This ensures payment for rebuilding or replacement of property at current costs of building materials. This level of insurance pays for the costs of replacing damaged property without taking into account the depreciation in value of the damaged item/s. This insurance has a maximum dollar amount limit.

· Guaranteed Replacement/Extended Replacement Cost – This will cover extra expenses for rebuilding the home if the policy limit is exceeded. The limit for this coverage is set by the insurance company, and is usually at 20% above the policy limit. Although similar to Replacement Cost, this level of insurance does not have a limit to it. Having this type of insurance means that you could be able to complete repairs or even totally replace your home without worrying about exceeding insurance maximums. This type of insurance, however, is the most expensive and you need to inquire with your local insurance agencies for its availability and cost.

· Personal Property – Coverage for personal belongings at half the value of the home’s limit. If the home is insured for $100,000, the personal property limit is $50,000.

As mentioned earlier, flood coverage is not included in the basic policy, so the homeowners should pay extra for this coverage or get a separate policy from the National Flood Insurance Program.

Of great concern for Illinois residents is mold damage. Because molds only grow in a wet environment, it is obviously tied in to water damage.

Some insurance companies offer water and mold damage coverage as long as the cause of the water damage is…

· Unexpected, accidental water damage (such as sewer back-up)

· Covered fire or lightning loss (such as when firemen put out a blaze in an intact home)

Excluded from this coverage is water damage due to…

· Frequent leaks or constant seepage

· Flood

· Humidity or condensation problems

· Drainage or landscaping problems

For concerns on homeowner insurance in Illinois, one could make inquiries with the Illinois Department of Insurance.

Find  homeowner insurance rates in each of these Illinois cities or counties
Addison – Algonquin – Alsip – Alton – Antioch – Arlington Heights – Aurora – Barrington – Bartlett – Bartonville – Batavia – Beach Park – Belleville – Bellwood – Belvidere – Bensenville – Benton – Berwyn – Bethalto – Bloomingdale – Bloomington – Blue Island – Bolingbrook – Boulder Hill – Bourbonnais – Bradley – Bridgeview – Broadview – Brookfield – Buffalo Grove – Burbank – Burr Ridge – Cahokia – Calumet City – Calumet Park – Canton – Carbondale – Carol Stream – Carpentersville – Cary – Centralia – Champaign – Channahon – Charleston – Chatham – Chicago – Chicago Heights – Chicago Ridge – Cicero – Clarendon Hills – Clinton – Collinsville – Columbia – Country Club Hills – Crest Hill – Crestwood – Crete – Crystal Lake – Danville – Darien – DeKalb – Decatur – Deerfield – Des Plaines – Dixon – Dolton – Downers Grove – Du Quoin – East Alton – East Moline – East Peoria – East St. Louis – Edwardsville – Effingham – Elgin – Elk Grove Village – Elmhurst – Elmwood Park – Evanston – Evergreen Park – Fairview Heights – Flossmoor – Forest Park – Fox Lake – Frankfort – Frankfort Square – Franklin Park – Freeport – Gages Lake – Galesburg – Geneseo – Geneva – Glen Carbon – Glen Ellyn – Glencoe – Glendale Heights – Glenview – Glenwood – Godfrey – Goodings Grove – Granite City – Grayslake – Greenville – Gurnee – Hanover Park – Harrisburg – Harvard – Harvey – Harwood Heights – Hawthorn Woods – Hazel Crest – Herrin – Hickory Hills – Highland – Highland Park – Hillside – Hinsdale – Hoffman Estates – Homewood – Inverness – Island Lake – Itasca – Jacksonville – Jerseyville – Joliet – Justice – Kankakee – Kewanee – La Grange – La Grange Park – La Salle – Lake Bluff – Lake Forest – Lake Zurich – Lake in the Hills – Lansing – Lemont – Libertyville – Lincoln – Lincolnshire – Lincolnwood – Lindenhurst – Lisle – Litchfield – Lockport – Lombard – Long Grove – Loves Park – Lynwood – Lyons – Machesney Park – Macomb – Manteno – Marengo – Marion – Markham – Matteson – Mattoon – Maywood – McHenry – Melrose Park – Mendota – Metropolis – Midlothian – Mokena – Moline – Monmouth – Morris – Morton – Morton Grove – Mount Carmel – Mount Prospect – Mount Vernon – Mundelein – Murphysboro – Naperville – New Lenox – Niles – Normal – Norridge – North Aurora – North Chicago – North Riverside – Northbrook – Northlake – O’Fallon – Oak Brook – Oak Forest – Oak Lawn – Oak Park – Olney – Orland Hills – Orland Park – Oswego – Ottawa – Palatine – Palos Heights – Palos Hills – Paris – Park City – Park Forest – Park Ridge – Pekin – Peoria – Peoria Heights – Peru – Plainfield – Pontiac – Princeton – Prospect Heights – Quincy – Rantoul – Richton Park – River Forest – River Grove – Riverdale – Riverside – Robbins – Robinson – Rochelle – Rock Falls – Rock Island – Rockford – Rolling Meadows – Romeoville – Roscoe – Roselle – Round Lake Beach – Round Lake Park – Salem – Sandwich – Sauk Village – Schaumburg – Schiller Park – Shiloh – Shorewood – Silvis – Skokie – South Elgin – South Holland – Springfield – St. Charles – Steger – Sterling – Stickney – Streamwood – Streator – Summit – Swansea – Sycamore – Taylorville – Tinley Park – Troy – University Park – Urbana – Vandalia – Vernon Hills – Villa Park – Warrenville – Washington – Waterloo – Wauconda – Waukegan – West Chicago – West Frankfort – Westchester – Western Springs – Westmont – Wheaton – Wheeling – Willowbrook – Wilmette – Winfield – Winnetka – Winthrop Harbor – Wonder Lake – Wood Dale – Wood River – Woodridge – Woodstock – Worth – Yorkville – Zion – 

Homeowner insurance in Illinois provides coverage in the event of damage to your property from theft, fire, floods, and natural disasters as well as protects you from liability for injuries or damage caused to people on your property. The right homeowner insurance plan  can help you make the best choices about this important protection for you and your family. Get free quotes on homeowner insurance in Illinois above.

 

Browsing for a way to get a lower cost homeowner insurance quote in Indiana? Homeowner insurance coverage and condo or mobile homes in Indiana falls in the lower mid-range of average insurance rates in the U.S. Ranked at No.39, annual premiums cost at a low of $630 to a high of $683.

The Indiana Department of Insurance strongly enforces the insurance laws to ensure that residents will get the best coverage for their homes. This government office also assists homeowners when they have complaints against their insurance providers.

There are three types of basic coverage in Indiana, namely…

· Actual Cash Value:  Payment covers the actual value of the home prior to loss or damage regardless of its worth today. The depreciation of the home is taken into account in this policy.

· Replacement Cost: Allows the policy owner to repair or rebuild his/her home at current market prices. This type of coverage is more expensive than Actual Cash Value, but this is the best policy to get if the homeowner desires a pay out that is what he or she would exactly need during times of disasters.

· Personal Property: Covers personal belongings at half the total value of the home. If the home is insured for $200,000, Personal Property Coverage is $100,000. At extra cost, added protection can be given to personal belongings when they are away from the home. This is 10% of the basic protection on the home contents. In the earlier example, it would be $1,000.

The Department of Insurance recommends that the home be insured for at least 80% of its replacement value, or else the homeowner would have to settle for claims at Actual Cash Value level. Same as with other states, mortgage lenders will not approve loans if the homeowner does not meet coverage requirements.

A homeowner insurance policy in Indiana includes Personal Liability Coverage which provides protection for claims and lawsuits when someone is injured on the homeowner’s property or if damage occurs to another’s property because of the homeowner’s negligence. There is also a $500 deductible in most Indiana homeowner policies, but one could avail of higher deductibles in order to lower insurance premiums.

Although flood coverage is not included in the basic policy, a special plan called “Hydrostatic Pressure Endorsement” is offered by some insurance providers. This protects the home from building collapse due to the pressure of floodwaters on the house’s foundation. This policy, however, does not cover sewer or drain back-up damage caused by floods. For better flood coverage, one should purchase a separate flood policy from the National Flood Insurance Program.

There is one very important reminder, though, when it comes to flood coverage. The policy will not go into effect until 30 days after the purchase, so it is best to get flood coverage as early as spring or summer.

Indeed, when it comes to homeowner insurance in Indiana, expedience is a must. One never knows when natural disasters or other basic perils may strike. It is best to be prepared by investing in a homeowner insurance that would be sure to protect the home, the most valuable asset of a property owner and his or her family.

Find  homeowner insurance rates in each of these Indiana cities

Alexandria – Anderson – Angola – Auburn – Avon – Batesville – Bedford – Beech Grove – Bloomington – Bluffton – Boonville – Brazil – Brownsburg – Carmel – Cedar Lake – Chesterton – Clarksville – Columbia City – Columbus – Connersville – Crawfordsville – Crown Point – Danville – Decatur – Dyer – East Chicago – Elkhart – Elwood – Evansville – Fishers – Fort Wayne – Frankfort – Franklin – Gary – Goshen – Granger – Greencastle – Greenfield – Greensburg – Greenwood – Griffith – Hammond – Hartford City – Highland – Hobart – Huntington – Indianapolis – Jasper – Jeffersonville – Kendallville – Kokomo – La Porte – Lafayette – Lake Station – Lakes of the Four Seasons – Lawrence – Lebanon – Logansport – Lowell – Madison – Marion – Martinsville – Merrillville – Michigan City – Mishawaka – Mooresville – Mount Vernon – Muncie – Munster – Nappanee – New Albany – New Castle – New Haven – Noblesville – North Manchester – North Vernon – Peru – Plainfield – Plymouth – Portage – Portland – Princeton – Richmond – Rochester – Salem – Schererville – Scottsburg – Sellersburg – Seymour – Shelbyville – South Bend – Speedway – St. John – Tell City – Terre Haute – Valparaiso – Vincennes – Wabash – Warsaw – Washington – West Lafayette – Westfield – Zionsville

Homeowner insurance in Indiana provides coverage in the event of damage to your property from theft, fire, floods, and natural disasters as well as protects you from liability for injuries or damage caused to people on your property. The right homeowner insurance plan  can help you make the best choices about this important protection for you and your family. Get free quotes on home owner insurance in Indiana above.

 

So you think you can find a cheaper homeowner insurance quote in Iowa? Homeowner insurance coverage for a condo or mobile home in Iowa is among the lowest in average insurance rates in the nation. Annual insurance premiums cost between $540 and $596.

Every Iowa homeowner needs to consider four important factors before buying an insurance policy. These are:

· The history of the insurance service provider

· The services that these companies are offering

· The specific coverage that one needs for his/her home and personal belongings

· The price of the policy, in particular, the premiums that need to be paid monthly

That is why it is very important for the homeowner to shop around for quotes from the various insurance companies in order to get the best deal.

Basic coverage in homeowner insurance in Iowa includes protection from common perils, such as fire, theft, vandalism and storms. Also included in the policy are: Personal Liability Coverage in the event that injuries occur on the homeowner’s property or damage is caused on another’s home, and; Medical Expenses Coverage which covers medical expenses of individuals — other than the homeowner and his family — who suffer injuries on the property.

Both flood and earthquake coverage is not included in the basic policy. These are special add-ons that could be included in the basic policy at extra cost.

Despite the already low cost of homeowner insurance in the state, some homeowners would still like to lower their premiums. One way to accomplish this is by adding deductibles, which is the amount from the claim that the homeowner is willing to shoulder out of his pocket when his home needs to be rebuilt or repaired and lost personal belongings replaced. However, it is very important to maintain a balance between the level of coverage and deductible in that the amount of deductible should not be higher than the amount of money that could obtain in a short period of time.

Another option aside from raising deductibles is by getting discounts through quitting smoking or by installing security alarms and protective devices in the home.

An important reminder for people with homeowner insurance in Iowa is that they should check their policies yearly and make sure that any changes done to the home (such as improvements made during remodeling) and new personal belongings purchased are adequately covered. An annual review of the policy will allow the homeowner to request for changes in the policy, such as getting additional coverage for any improvements made in the home or newly bought personal belongings. Any additional coverage would also change the cost of premiums that one will pay, so it is best to ask the insurance provider what the current rates of the policy would be.

Finally, a yearly homeowner insurance policy review would enable the homeowner to know if he or she had been remiss in premium payments or if there are changes in the policy terms that would affect the premiums. Again, inquiries should be made with the insurance provider to ensure that the homeowner insurance policy could still provide the best protection for the home.

 

Find  homeowner insurance rates in each of these Iowa cities

Altoona – Ames – Ankeny – Atlantic – Bettendorf – Boone – Burlington – Carroll – Cedar Falls – Cedar Rapids – Charles City – Clear Lake – Clinton – Clive – Coralville – Council Bluffs – Creston – Davenport – Decorah – Denison – Des Moines – Dubuque – Estherville – Fairfield – Fort Dodge – Fort Madison – Grinnell – Hiawatha – Independence – Indianola – Iowa City – Johnston – Keokuk – Knoxville – Le Mars – Maquoketa – Marion – Marshalltown – Mason City – Mount Pleasant – Muscatine – Nevada – Newton – Norwalk – Oelwein – Oskaloosa – Ottumwa – Pella – Perry – Red Oak – Sioux Center – Sioux City – Spencer – Storm Lake – Urbandale – Washington – Waterloo – Waverly – Webster City – West Des Moines –

Homeowner insurance in Iowa provides coverage in the event of damage to your property from theft, fire, floods, and natural disasters as well as protects you from liability for injuries or damage caused to people on your property. The right homeowner insurance plan  can help you make the best choices about this important protection for you and your family. Get free quotes on homeowner insurance in Iowa above.

 

There is a trick to saving money on homeowner insurance in Kansas. Although not included among the Top 10 states with the highest home insurance rates, homeowner insurance coverage and condo and mobile home owners policies in Kansas is still quite pricey, with annual premiums at a low of $866 to a high of $938.

Kansas is one of the many states in the U.S. that does not require residents to get a homeowner insurance policy. Those who would like to get housing loans need to get a policy before the mortgage lender could approve their loan applications.

Even if one does own the home outright, it is very much recommended that an insurance policy be obtained, so that the property will be protected and, in the event of calamities and damage to the home, the insurance company will provide the necessary funds for repairs, rebuilding, and replacement of lost or stolen personal belongings.

Basic coverage in homeowner insurance policy in Kansas includes the following:

· Coverage for Physical Structures:  Provides protection for the house and attached or detached structures like a garage or a shed.

·Contents:  Provides protection for everything that is inside the home including clothing, furniture, appliances and other personal belongings. Coverage for the contents of the home is usually half of the total value of the home. So, a home covered for $200,000 would have Contents Coverage of $100,000. Homeowners could also avail of higher limits of Contents Coverage at extra cost.

· Additional Living Expenses:  Provides for living expenses (includes apartment rental, food, clothing) for the homeowner and his family when they are forced out of their house because of damage to the property. This will allow them to continue to enjoy a normal standard of living while their home is being rebuilt or repaired.

· Liability:  Provides protection against lawsuit or claims when a person is injured on the homeowner’s property or structures on the homeowner’s property such as when a falling tree which causes damage to another person’s home.

· Medical Payments:  In the event that someone is injured on the homeowner’s property, this would cover medical expenses.

Among the perils that are covered in the basic policy are fire, windstorm, vandalism and hail. Flood coverage is not included. The rider could be added to the policy at extra cost or a separate policy obtained from the National Flood Insurance Program.

Because the Insurance Department of the state recognizes the importance of homeowner insurance in Kansas, they have instituted the Fair Access to Insurance Requirements (FAIR) Plan. In order to get coverage from the FAIR Plan, the homeowner must meet the following basic requirements:

· He or she has been rejected by at least three private insurance companies. It is very important to keep a record of the names of these insurance providers, the dates and information about the application, and the reasons given for the rejection of the application.

· Application for FAIR Plan must be made through another insurance provider with affiliations to the Plan.

· For coverage eligibility, the application and the property itself must first be inspected and appraised by the FAIR Plan.

 

Find  homeowner insurance rates in each of these Kansas cities

Abilene – Andover – Arkansas City – Atchison – Augusta – Bonner Springs – Chanute – Coffeyville – Derby – Dodge City – El Dorado – Emporia – Fort Riley North – Fort Scott – Garden City – Gardner – Great Bend – Hays – Haysville – Hutchinson – Independence – Iola – Junction City – Kansas City – Lansing – Lawrence – Leavenworth – Leawood – Lenexa – Liberal – Manhattan – McPherson – Merriam – Mission – Newton – Olathe – Ottawa – Overland Park – Parsons – Pittsburg – Prairie Village – Pratt – Roeland Park – Salina – Shawnee – Topeka – Wellington – Wichita – Winfield

Homeowner insurance in Kansas provides coverage in the event of damage to your property from theft, fire, floods, and natural disasters as well as protects you from liability for injuries or damage caused to people on your property. The right homeowner insurance plan  can help you make the best choices about this important protection for you and your family. Get free quotes on homeowner insurance in Kansas above.

 

Save money now on your homeowner insurance quote in Kentucky for your house, condo, or mobile home. Rates are cheaper than ever before. Homeowner insurance coverage in Kentucky is one of the lowest average insurance rates in the U.S. Annual premium rates are in the range of $637 to $754.

The basic policy of homeowner insurance in Kentucky provides protection for the following:

· Property Damage:  Covers repairs or replacement to the damaged or destroyed home and attached or detached structures, such as sheds or garages

* Contents Insurance:  Covers personal belongings such as furniture, clothing, jewelry and electronic equipment. Contents Insurance is usually half the insured value of the home. For example, if the home is insured for $100,000, personal belongings have coverage of $50,000. The limit of Contents Insurance, however, could be increased at extra cost.

· Additional Living Expense:  Provides the necessary funds so that the homeowner and his/her family could maintain a normal standard of living while the home is being rebuilt or repaired. This would include expenses for motel accommodations or apartment rental, food and clothing.

· Personal Liability:  Protects the homeowner and his/her family members from claims or lawsuits that arise from physical injury and property damage which the court deems them to be responsible for

· Medical Payments:  Covers the medical expenses of an individual who gets injured on the homeowner’s property

The standard homeowner insurance policy covers damages caused by dangerous perils that are unique to Kentucky. One of these is tornadoes, which could cause death, property damage and destruction in a matter of minutes. Tornado damage is specifically listed as “wind” or “windstorm” damage and is included in the standard policy. However, it should be mentioned that properties located in tornado-prone areas may be excluded from coverage. Another peril that is covered in the basic policy is snow and ice, because the state often experiences heavy snowfall during winter which could damage roofs and down power lines.

Although it is one of the states most prone to flooding, the basic policy of Kentucky does not include flood coverage. Homeowners must purchase this rider and have it added to their policy or acquire a separate flood coverage plan from the National Flood Insurance Program.

It is very important to mention that it is very difficult to lower the annual premiums in homeowner insurance in Kentucky. This is because home insurance rates in the state are determined by the value of the property. If the property value is high, it would follow that the insurance premiums would be high also.

Homeowners should discuss with their insurance providers on ways that they could lower their yearly premiums. One good measure is by increasing deductibles. However, the cost of deductibles should not exceed the amount of money that a homeowner could get within a short span of time in the event of disasters of emergencies. Another way is by installing protective devices and security alarms. Some homeowners go the extra mile by installing reinforced glass windows or similar protections against violent winds.

Still, the burden of paying monthly or yearly premiums is a very small price in comparison to the financial ruin that follows disasters and calamities. What better way to protect one’s investment in the home by securing good and well-covered homeowner insurance in Kentucky.

 

Find  homeowner insurance rates in each of these Kentucky cities

Alexandria – Ashland – Bardstown – Bellevue – Berea – Bowling Green – Buechel – Burlington – Campbellsville – Corbin – Covington – Cynthiana – Danville – Edgewood – Elizabethtown – Elsmere – Erlanger – Fairdale – Fern Creek – Flatwoods – Florence – Fort Campbell North – Fort Knox – Fort Mitchell – Fort Thomas – Frankfort – Franklin – Georgetown – Glasgow – Harrodsburg – Henderson – Highland Heights – Highview – Hillview – Hopkinsville – Independence – Jeffersontown – Lawrenceburg – Leitchfield – Lexington-Fayette – Louisville – Lyndon – Madisonville – Mayfield – Maysville – Middlesborough – Mount Washington – Murray – Newburg – Newport – Nicholasville – Oak Grove – Oakbrook – Okolona – Owensboro – Paducah – Paris – Pikeville – Pleasure Ridge Park – Princeton – Radcliff – Richmond – Russellville – Shelbyville – Shepherdsville – Shively – Somerset – St. Dennis – St. Matthews – Taylor Mill – Valley Station – Versailles – Villa Hills – Winchester

Homeowner insurance in Kentucky provides coverage in the event of damage to your property from theft, fire, floods, and natural disasters as well as protects you from liability for injuries or damage caused to people on your property. The right homeowner insurance plan  can help you make the best choices about this important protection for you and your family. Get free quotes on homeowner insurance in Kentucky above.

 

Now is a great time to get a free homeowner insurance quote in Louisiana for your home, condo, or mobile home. Homeowner insurance coverage in Louisiana is considered to be the third most expensive average insurance rates in the country, with annual premiums pegged between $1,257 and $1,137.

These high rates are attributed to the massive floods, damage and destruction that were brought upon the state by Hurricane Katrina. With Louisiana still in a period of recovery, homeowner insurance providers are practically struggling to meet the numerous claims that came in the wake of the hurricane’s devastation. In fact, quite a number of insurance companies have either stopped giving policies to new homeowners or have jacked up the prices of premiums.

The basic homeowner insurance policy in the state provides the usual coverage for the following

· Property Damage:  Covers repairs and replacement to the home and that of detached structures such as garages and sheds

· Additional Living Expense:  Covers the expenses that the homeowner and his family would need while their home is being repaired or rebuilt

· Medical Payments:  Covers the medical expenses of individuals who are injured on the homeowner’s property

· Personal Liability:  Covers lawsuits and claims for bodily injury and property damage that the court deems the homeowner and members of his household are responsible for.

The standard Louisiana policy has add-ons for flood damage at extra cost. However, because of the damage caused by Hurricane Katrina, a number of private insurance providers no longer offer this rider and, if they do, the added coverage would be very expensive. It is better to obtain a separate flood policy from the National Flood Insurance Program.

Because of the high cost of policies, finding an affordable homeowner insurance in Louisiana is a difficult task, but certainly not an impossible one.

Here are ways by which one could get homeowner insurance in Louisiana at reasonable rates:

· Shop around. Get quotes from the various insurance providers in the area for the coverage that best fits the homeowner’s needs.

· If one could afford it, it is advisable to get the services of an insurance agent who could negotiate with insurance companies.

· For those who are planning to build a new home or buy an existing property, avoid coastal areas because the homeowner insurance is bound to be very expensive.

· For those who are living near the coast or in flood-prone areas, it is best to immediately avail of a flood policy from the National Flood Insurance Program.

· Always inquire with the insurance providers about discounts. Discounts on premiums are given if the homeowner gets other types of insurance policies (such as life or car insurance) from the same company. Installation of security alarms and protective devices in the home have discount equivalents in the insurance policy.

· Consider raising deductibles. Deductibles is the amount of money or the share from the claim that homeowner is willing to shoulder out of his or her own pocket. However, it is strongly advised not to set a deductible that is too high, so that one ends up shouldering the higher cost when the greater burden should be covered by the insurance company.

It is because of the bitter lessons learned from Hurricane Katrina that homeowner insurance in Louisiana is a definite must. A homeowner insurance policy is every Louisiana resident’s partner in ensuring that their greatest and most valuable investment, namely the home, is accorded the best coverage and protection.

Find  homeowner insurance rates in each of these Louisiana cities

Abbeville – Alexandria – Arabi – Baker – Bastrop – Baton Rouge – Bayou Cane – Belle Chasse – Bogalusa – Bossier City – Breaux Bridge – Bridge City – Brownsville-Bawcomville – Carencro – Chalmette – Claiborne – Covington – Crowley – De Ridder – Denham Springs – Destrehan – Donaldsonville – Eden Isle – Estelle – Eunice – Fort Polk South – Franklin – Galliano – Gardere – Gonzales – Gretna – Hammond – Harahan – Harvey – Houma – Jefferson – Jennings – Kenner – Lacombe – Lafayette – Lake Charles – Laplace – Larose – Leesville – Luling – Mandeville – Marrero – Meraux – Merrydale – Metairie – Minden – Monroe – Morgan City – Moss Bluff – Natchitoches – New Iberia – New Orleans – Oak Hills Place – Oakdale – Opelousas – Pineville – Plaquemine – Prien – Raceland – Rayne – Reserve – River Ridge – Ruston – Scott – Shenandoah – Shreveport – Slidell – St. Martinville – St. Rose – Sulphur – Tallulah – Terrytown – Thibodaux – Timberlane – Village St. George – Ville Platte – Violet – Waggaman – West Monroe – Westwego – Woodmere – Zachary

Homeowner insurance in Louisiana provides coverage in the event of damage to your property from theft, fire, floods, and natural disasters as well as protects you from liability for injuries or damage caused to people on your property. The right homeowner insurance plan  can help you make the best choices about this important protection for you and your family. Get free quotes on homeowner insurance in Louisiana above.