Home Insurance

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What Homeowners in California need to know:

When shopping for home insurance, remember this: Insure your house for the cost to replace it (meaning reconstruction costs), not its real estate "market" value, and don't factor in the value of your land. Also know that a home or condo insurance policy covers much more than damage to your house. There are additional coverages within a home insurance policy...

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California Department of Insurance

Consumer Services Division 300 South Spring Street, South Tower Los Angeles, CA 90013 800-927-HELP (4357) (Calling from within CA)

213-897-8921

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Nearly 10 million competitive rates provided by companies like:

Pay More, Get Less: Percentage-Based Deductibles

If you live in a part of the country prone to hurricanes, brace yourself. If it hasn't happened already, your home insurance company may force you to take a policy with percentage-based deductibles for damage caused by hurricanes and windstorms. These percentage-based deductibles are flooding the market and tend to cost an insurer less but a homeowner much more.
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Liability Home Insurance for Dog Owners
Depending on what breed of dog you own, where you live and your insurance company, it could be difficult to buy a home insurance policy that includes liability for your dog.
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Home Buyers Haunted by Past Owners' Claims
You're days away from closing on a new home, your financing is secured, your belongings are packed and now all that's left is a phone call to your insurance agent to take out a home insurance policy. Then the nightmare begins.
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Home Insurance: What Your Policy Won't Cover

No matter what type of home insurance policy you buy, there's a list of common “perils" that most insurance companies will not cover. Knowledge is your best defense when you have a possible home insurance claim.
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How Your Credit Affects Your Home Insurance Rates
Does having bad credit make you a risky homeowner? No, but your insurance company probably sees a correlation. Many home and car insurance companies use your credit information, filtered through a formula to determine how likely you are to file an insurance claim. Your premium bill could rise if you have a bad credit score, even if you haven't filed a claim.
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How Insurance Companies Decide if You're a Good Person
Your credit score is one of the most important factors in whether a bank will lend you money. And getting your hands on your own score is now a lot easier. Many lenders and websites provide it for free. Discover, for example, recently started providing customers' FICO scores on their monthly statements. Credit information is collected by three major companies – Equifax, Experian and TransUnion – which “score you" somewhere between a low of 300 and a high of 850. This information is then given to lenders whenever you apply for credit.
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15 Ways to Save on Your Home Insurance

Looking to squeeze the most from your home insurance dollar? Try these practical steps. 1. Shop around for home insurance quotes. 2. Raise your home insurance deductible.
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Secrets of Public Insurance Adjusters; Revealed
You're at a disadvantage when you have major house damage or a total loss of your home. You face a home insurance claims process that could easily stretch out for more than a year.
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One Call to Your Insurance Company Can Dog You For Years
When your car or home suffers damage, you may wonder if it's covered under your insurance policies. A quick call to your agent can answer those questions and help you decide whether or not to make a claim.
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