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Homeowners Insurance Advice
Why do I need homeowners insurance?
Why Do I Need Renter's insurance?
But the most important reason to buy renters insurance by far, is because it gives you liability protection (subject to policy conditions; policies vary) both at home and away from your home for bodily injury or even property damage you or family members living with you may cause. This is the best reason to buy renters insurance and you can conveniently shop for, and buy, renters insurance here online. You will quickly see how affordable and downright cheap this valuable insurance is. We highly recommend renters insurance and buying it online has never been easier.
Do I need homeowners insurance for my condo?
Should I make an inventory of everything in my home?
What is the difference between an "all risks" policy and a "named perils" policy?
Does my homeowner's policy cover damage caused by flood?
Can I deduct homeowners insurance?
For example, if your home or a portion thereof is used for business, a portion of the insurance cost relative to that space in the home used for business could be deductible as a business expense (depending on your individual situation of course). A typical situation might include where part of the home is rented, used as a day care facility, perhaps a room is used as a qualifying home office, or other activities that have a business component. Check with your tax advisor to be certain.
Can I buy homeowners insurance online?
We’ve made it fast and easy to do this by providing safe and affordable insurance online for homeowners, condo owners, and renters. Within minutes you can enter your information safely here online and obtain the most affordable homeowners insurance rates in your state.
You can also learn more about homeowners insurance in our FAQs section which will help you make a more informed decision. Be sure to read through this first and be ahead of the game.
And for your convenience we’ve also provided you with links for car, health, life, and even earthquake insurance. There’s no need to fill out multiple forms on several different sites. We do the shopping for you to help find you the lowest prices. We also help you compare policies online because the cheapest insurance is not always the best insurance.
Do both owners need homeowners insurance?
The short answer is yes. Both owners of a house need homeowners insurance.
That does not mean that you need two policies. On the contrary, there should only be one homeowners policy on a home because one cannot collect twice for the same loss. That would be illegal, not to mention unconscionable.
So a better way to answer the question would be: Both owners of a house should be listed on the homeowners policy.
Both owners of a house have an insurable interest they share (eg the house) and so, for many reasons, both deeded owners' names need to be reflected on that homeowners insurance policy, not the least of which is in case one dies; otherwise the surviving, unnamed owner would have trouble collecting.
The named insured also has certain rights and duties under the policy (read your policy for more details about this). And lastly, for liability insurance coverage you want both owners to be named on the policy because it gives you legal protection, both on the property as a property owner should someone get hurt on-site, and it gives you some protection away from the premises should you hurt someone off-site. There are many more reasons but these are some of the primary reasons to keep in mind.
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