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Homeowners/Renters Insurance

Homeowners/Renters Insurance
 
There were fewer lightning storms last year, but they were every bit as damaging, even more so than in years gone by, according to new stats released by the Insurance Information Institute.
7/28/2015
Lightning Strikes Down In 2014, But Damage Costs Rise
Insurers paid 99,871 homeowners last year for damages caused by lightning, according to the Insurance Information Institute. 
 
Bring the beauty of the outdoors into your home with skylights.
7/21/2015
Why Installing Skylights Is A 'Bright' Idea
Skylights not only enhance a home's natural interior beauty, but makes it more energy efficient as well.
 
Too much heat in your home may not only be harmful to your personal health, it could also damage your house.
7/13/2015
Protecting Your Home, And Yourself, From Summer Heat
Across the country, houses are hot and sticky with summer humidity and high temperatures. Air conditioners are the obvious solution. The problem with A/C, though, is it is expensive.
 
Never keep valuable items in plain sight when parking your car.
7/8/2015
How Motorists Can Keep Their Privacy Intact
More than $1.2 billion worth of personal items are stolen from cars annually, according to the National Insurance Crime Bureau.
 
Most Americans know someone who hoards things, according to a new survey.
7/1/2015
Most People Know Someone Who Hoards, Survey Finds
More than half of Americans say they know of someone who has a problem with hoarding, according to a poll done by Princeton Survey Research Associates International.
 
When the mercury rises, there are a number of ways you can keep your home cool without having to turn on the air conditioning.
6/30/2015
6 Ways To Stay Cool Without Using A/C
This suggestions can help keep your home cool in the summer without having to fire up the air conditioner.
 
A lightning strike produces enough energy to power a 1,000-watt light bulb.
6/26/2015
Lightning: A 'Strikingly' Dangerous Occurrence
Seven people have been killed by lightning this year, according to the National Weather Service.
 
Storm surge can produce towering waves, putting coastal properties in jeopardy.
6/23/2015
Report: Storm Surge Threatens 6.6 Million Homes This Year
More than 6.6 million homes are at risk of being inundated by storm surge this hurricane season, according to a new estimate from CoreLogic.
 
The average wedding costs over $31,200, according to TheKnot.com.
6/17/2015
Hosting A Wedding? Make Sure You're Properly Covered
With the average wedding costing more than $31,200, it's important to have the right type and amount of insurance in place.
 
Don't think insulation is important during the summer? Think again.
6/11/2015
Why Insulation Is So Important In The Summer
If your home isn't properly insulated during the warm weather season, expect to spend more on your utility bill over the summer. 
 
Beware of heat exhaustion this summer when temperatures climb and you're active outdoors.
6/10/2015
Heat Exhaustion: What It Is And How To Treat It
Rapid heartbeat, dizziness and shallow breathing are classic symptoms of heat exhaustion and can lead to heat stroke, which is deadly.
 
Learning how to swim can make the summer more fun and safe.
6/5/2015
More Than Half Of Teens Don't Know Swimming Fundamentals
Over 50% of teenagers aren't able to perform basic swim strokes, according to the American Red Cross.
 
Only half of households have prepared an emergency kit, according to a recent government study.
5/27/2015
Only Half of U.S. Households Have Emergency Kit, Poll Finds
Just 51% of families in the country have supplies readily at hand when there is an urgent situation, according to a new poll conducted by the Census Bureau and the U.S. Department of Housing and Urban Development
 
Hurricane formation is expected to be limited this year, according to forecasters from Colorado State University.
5/26/2015
'Well Below Average' Hurricane Season Expected
Forecasters from Colorado State University believe one major hurricane will develop in the Atlantic this year.
 
Have a great Memorial Day weekend with these grilling safety reminders.
5/21/2015
How To Grill Safely This Memorial Day
Thousands of grilling fires happen each year in the United States, virtually all of which are preventable.
 
'Promposals' cost the average American household around $325, according to a new study done by Visa.
5/20/2015
High Spending Makes Prom Planning A 'Promposal'
Parents and teenagers spend nearly $325 on the prom, a new Visa study finds.
 
The Golden and Labrador Retrievers are two of the more popular dog breeds in America.
5/18/2015
May Is Dog Bite Prevention Month
More than one-third of all homeowners insurance claims are dog bite-related, according to the Insurance Information Institute.
 
Pollen in the air may be inescapable, but you can lessen the effects of allergies by reducing your exposure to cigarette smoke.
5/15/2015
Smoking Makes Allergies Worse - Allergy Awareness Month
Cigarette smoke worsens allergy symptoms, which is why May is as good a time as ever to finally kick the habit.
 
On a weather map, hurricanes have a circular-like pattern and produce sustained wind gusts in excess of 74 miles per hour.
5/11/2015
How Do Hurricanes Develop?
Wind, rain and warm ocean temperatures are the key ingredients that make for hurricane potential.
 
Arson is the intentional destruction of property by fire.
5/8/2015
Protect Yourself From Arson
May 3 - 9 is National Arson Awareness Week
 
Two-thirds of Mother's Day gift givers this year will be presenting their moms with flowers, according to the National Retail Federation.
5/7/2015
No Dollar Amount Too Much For Mom, New Survey Suggests
Consumers will spend an average of more than $172 for Mother's Day this year, according to the National Retail Federation.
 
Be sure everyone drinks responsibly for Cinco de Mayo.
5/5/2015
How To Have A Fun, Safe Cinco De Mayo
If only for one day of the year, everyone is Mexican on May 5, a major day on the calendar that's a source of great pride, fun and celebration. 
 
April 30 is National PreparAthon Day.
4/30/2015
Does Your Home Have An Emergency Kit?
On this the second annual National PreparAthon Day, a new government poll indicates only half of Americans have an emergency supply kit in their homes.
 
You should aim to clean out your gutters four times a year.
4/24/2015
Spring Cleaning Your Home's Gutters
If you have a gutter system, you'll want to make sure that they're cleaned out this spring.
 
Lightning strikes in the morning often have a peak cycle of 30,000 amps per flash, much higher than the 6,000 to 20,000 amps produced during the afternoon.
4/20/2015
Study: Strength Of Lightning Peaks In The A.M.
New research from the University of Alabama finds that the electric current of lightning is at its strongest in the early part of the day.
 
There are plenty of good reasons for filing a tax deadline extension if you're not ready.
4/15/2015
3 Good Reasons For Filing A Tax Extension Request
There are lots of legitimate justifications for pushing back your filing deadline.
 
Get your lawn ready for the warm weather season with these mowing recommendations.
4/3/2015
Lawn Care Tips for Spring Mowing
April showers are sure to bring May flowers, not to mention growing grass that you'll be needing to cut.
 
If it's been a year since you've replaced your alarms' batteries, switch them out when you turn the clocks ahead an hour this weekend.
3/23/2015
Check Your Alarms When Changing The Clocks
Make it a tradition to check your home's fire and carbon monoxide alarms whenever the clocks 'spring forward.'
 
Homeowners who have their siding replaced are forecast to recoup 80% of what they spend to have the project done.
3/20/2015
Ringing In Spring With Home Upkeep Projects
Be it minor or major, renovation can bring a big return on homeowners' investment.
 
Looking to de-clutter? Make sure what you put away in storage is properly protected, the Insurance Information Institute recently advised.
3/10/2015
Complement Your Spring Cleaning Ritual with the Proper Insurance
The Insurance Information Institute offers tips on what to look for in a storage facility.
 
A new poll indicates that many renters are relocating this year to save on living expenses.
3/6/2015
Affordability Main Reason Why Renters Are Moving This Year, Poll Finds
25% of renters intends to move this year to lower their cost of living, according to an Apartments.com survey.
 
Your home inspection should take two to three hours to complete.
3/5/2015
5 Key Questions To Ask Before Hiring A Home Inspector
Here are five questions that will help you land a qualified home inspection professional.
 
If a new poll is reflective of the nation at large, many Americans are not putting money aside for maintenance-related tasks.
2/17/2015
Homeowners Not Prepared for Maintenance Expenses, Poll Finds
Just one-third of homeowners has a budget for home repairs, according to a new survey.
 
About $19 billion will be spent on Valentine's Day gifts this year.
2/16/2015
Lovebirds Spending More For Valentine's Holiday
The average consumer will spend close to $150 on their significant others for Feb. 14, according to the National Retail Federation.
 
Replacing the front door offers among the highest returns on investment when it comes to renovating a residential property, according to a study conducted by Remodeling.com.
2/12/2015
Homeowners Should Consider Front Door Replacement, Study Says
Homeowners can recoup nearly all of their renovation spending by upgrading their entry doors, based on a new study from Remodeling.com.
 
Though it's still early in the 2015 season, the polar vortex is back - and with a vengeance.
1/29/2015
How to Prepare for the Return of the Polar Vortex
These tips can help prevent your home from being victimized by Old Man Winter's wrath.
 
Homeowners insurance companies estimate that approximately 250,000 people annually see their water pipes freeze over due to bitterly cold temperatures.
1/28/2015
Storm Juno Reminds Homeowners to Protect Their Water Pipes From Freeze
Nearly a quarter million homeowners experience frozen pipes each year.
 
If there is an energy facility near you, the U.S. Energy Information Administration recently released a web tool that can help determine whether its located in a flood zone.
1/23/2015
EIA Releases Flood Vulnerability Map Web Tool
The U.S. Energy Information Administration has an online tool that allows users to see if energy infrastructure near to them is at risk for flooding.
 
Not only can having or maintaining good credit make it easier to be approved for a loan or mortgage, but it may also save you quite a bit on your homeowners insurance.
1/22/2015
Homeowners' Premiums Often Two Times Higher for Consumers with Bad Credit
InsuranceQuotes.com found that people with good credit usually spend much less for coverage on their home.
 
Roughly 27% of the U.S. adult population are comprised of millennials.
1/19/2015
Millennials' Insurance Needs
The up and coming generation has arrived, who now have insurance needs as adults with families of their own.
 
Based on a survey commissioned by Fannie Mae, a substantial number of mortgage executives for large lenders say they've eased credit standards as of late and that this trend will likely continue in 2015.
1/14/2015
Credit Standards to Ease, Lenders Suggest
Perhaps in an effort to encourage buying, many mortgage companies say they're loosening the reins on loan qualification, according to a survey by Fannie Mae.
 
 Based on a recent poll, a substantial number of Americans say that they would pay more for a residence than they originally intended if they found a home that they knew was for them.
1/13/2015
Many Willing to Spend More for the Right Home, Poll Finds
1 in 5 current homeowners went over budget on their residence because they liked it so much, according to a survey from BMO Harris Bank.
 
If you're looking for the state where natural hazards are fairly few and far between, Michigan may be your best bet, according to newly released data.
1/6/2015
Michigan Carries Lowest Risk for Property Damage Loss, Study Finds
The Wolverine State is the least likely in the U.S. for damaging natural disasters to take place, according to a new report from CoreLogic.
 
When hosting a party with loved ones, it's very important to ensure that everyone who comes is safe so that everyone gets through the night with their well-being fully intact.
12/31/2014
3 Safety Tips Every New Year's Party Host Should Heed
The following tips are some of the ways you can avoid liability and a potential homeowners insurance claim when hosting a gathering to celebrate the new year. 
 
Real estate near the ocean not only makes for a beautiful sight, but residences tend to be much more valuable compared to properties inland.
12/30/2014
Study: Waterfront Real Estate Prices Double that of Inland Residences
The median value of properties near to an ocean or lake is two times higher than non-waterfront homes, Zillow recently found.
 
The Atlantic coast and the Midwest were two regions of destination for Americans changing addresses this past summer.
12/29/2014
Washington, D.C., Chicago Top Moving Destinations This Year
The nation's capital and Illinois' most populated city were prime areas to which families relocated this summer, according to United Van Lines.
 
Expense of homeownership has more people renting
12/23/2014
Expense of homeownership has more people renting
New survey analysis suggests that insufficient savings is one of the main reasons why renters aren't buying.
 
One unfortunate aspect of live Christmas trees is that they're highly flammable and have been responsible for a number of homeowners insurance claims.
12/22/2014
5 Steps to Avoid a Holiday Catastrophe
Though rare, Christmas tree fires occur every year, but they all can be prevented with the proper fire safety awareness.
 
Though a remodeling project can be costly, many individuals have said it made more financial sense than planning a move.
12/12/2014
Remodeling More of a Priority Than Moving, Owners Say
A new survey indicates more than half of homeowners wanting to improve the resale value of their home don't intend to move for at least five years.
 
According to a recent J.D. Power and Associates study, price is the leading driver of satisfaction consumers have with their insurers.
12/2/2014
Why You May Want to Consider Bundling Your Auto Insurance
Bundling insurance plan offerings is one of the easiest ways to save money and become more efficient.
 
A question that a lot of people have is how to determine the appropriate amount of homeowners insurance coverage to get.
11/20/2014
3 Things to Remember When Buying Home Insurance
Take these three tips under advisement when you purchase coverage for your home.
 
Zillow economists say that the age in which people become homeowners for the first time is on the ascent.
11/3/2014
More Americans Delaying Entry into Real Estate Market
Zillow economists say that the age in which people become homeowners for the first time is on the ascent.
 
As the second half of the year plays out, the first six months were ones to remember in the natural disaster department, according to newly released details on the economic impact of environmental disasters.
10/27/2014
Relatively Quiet First Half of 2014 for Natural Disasters
Economic losses were half of what they are normally at the year's midpoint, but Aon Benfield says the concluding six months could be a different story.
 
Close to 95 percent of people who have a place of their own say that they have coverage, based on a recent survey performed by ORC International on behalf of the Insurance Information Institute.
10/20/2014
Reduce the Cost of Homeowners Insurance
The average homeowner spends $35 per month in premiums for every $100,000 a home is worth, according to estimates.
 
As a general rule, earthquakes are fairly rare events, certainly the ones that can bring substantial damage.
10/16/2014
USGS Raises Risk Level of Earthquake for Nation
The U.S. Geological Survey says 42 states have a 'reasonable chance' of experiencing a major earthquake in the next 50 years.
 
When renters were asked what factors would propel them to continue doing so, rather than purchase a home, some of the most common responses included having too much debt, not making enough money and insufficient credit, a recent survey revealed.
10/6/2014
Few Renters Have Insurance, New Poll Finds
Slightly more than one-third of renters have coverage, according to a new Insurance Information Institute survey.
 
According to the National Weather Service, there's an 80% chance that El Nino will occur during either the fall or winter.
9/22/2014
Will Fall Bring an Active or Quiet Season for Storms?
If 2014 is a repeat of 2013, it could be another quiet autumn on tap.
 
Looking to buy a house? Keep these tips in mind.
9/15/2014
Purchasing a Home: 6 Things to Know
These buying tips should help you prepare for the housing hunt.
 
If you live in a flood-prone area, here's how to prepare your home for a potential disaster
9/11/2014
How to Prepare your Home for an Upcoming Flood
The Federal Emergency Management Agency has tips on how to prepare when flooding is anticipated.
 
Do you know how to put together a proper emergency kit?
9/9/2014
Emergency Kit Essentials, What to Include
Take advantage of National Preparedness Month by assembling a disaster supply kit for your home.
 
This year's hurricane season is expected to be less severe and on par with last year's relatively calm period.
9/4/2014
Another Dormant Hurricane Season on Tap, NOAA Says
The National Oceanic Atmospheric Administration indicates there's a 50% chance there will be fewer hurricanes than normal this year.
 
Experts have asserted that the the government needs to enforce stronger building codes to offset climate change effects.
8/27/2014
NAMIC: Government Must do More to Curb Effects of Mother Nature
The National Association of Mutual Insurance Companies says lawmakers should create incentives for states to enforce more rigorous build codes.
 
When you're choosing your next family pet, keep these dog breeds in mind.
8/26/2014
3 Great Dog Breeds for Your Family
With today being National Dog Day, enjoy the companionship that canines bring with one of these breeds.
 
A new report shows that more people are getting on their bikes to get to work
8/18/2014
Americans Riding Bicycles to Get to Work
A new Census Bureau report finds that a higher percentage of people are taking their bike to the office.
 
The cost of food spoilage can be surprisingly high after a power outage, many homeowners have found.
8/15/2014
Poll: Food Spoilage Biggest Cost for Consumers After Lengthy Outage
The most common added cost after a blackout is replacing food that's gone bad, according to a Harris Interactive survey.
 
Millennials are currently the generation most engaged in the homebuying process, according to a new report.
8/7/2014
Many Millennials Looking to Become Homeowners
A new poll reveals that young people are among the most engaged consumers in the home purchase market.
 
Fire damages costs have been rising for more than 30 years, according to a new report from the NFPA.
7/30/2014
NFPA: Fire Damage Expenses Up Significantly Since 1980
The National Fire Protection Association says the total cost of fires in the U.S. has increased by 34% in the past three decades.
 
Americans 'Going Green' When Remodeling
7/21/2014
Americans 'Going Green' When Remodeling
A survey done by the National Association of Home Builders finds that remodelers are increasingly doing projects that improve home efficiency.
 
When Sandy knocked out power to millions for weeks on end, it became apparent how important generators were
7/18/2014
The Biggest Lesson Learned from Hurricane Sandy
Three-quarters of residents affected by Sandy lost their power for at least a day, making life quite difficult for those who didn't have a backup power supply.
 
The American Kennel Club is reminding the country to keep pet fire safety in mind.
7/15/2014
Keep your pet protected this 'Pet Fire Safety Day'
Approximately a half-million pets are affected by a fire in the home each year, according to the American Kennel Club.
 
In a test asking respondents some basic questions about rental laws, roughly 47% of tenants and approximately half of landlords, on average, answered the queries incorrectly.
7/11/2014
Poll: Rental laws still unclear
Approximately two-thirds of renters erroneously believe that their landlord can end a leasing agreement prematurely for family-related reasons, according to Zillow.
 
Just because a hurricane season is predicted to be weak doesn't mean the individual storms won't be powerful.
7/10/2014
Inactive hurricane seasons have produced big storms
Safety organizations and the insurance industry remind U.S. residents that historically quiet hurricane seasons can still be damaging.
 
A new study has found Americans are willing to spend higher amounts on their wedding day than in the past.
6/17/2014
Americans broaden budgets for wedding expenses
Not including the honeymoon, the average couple spent nearly $30,000 for their wedding last year, according to The Knot.com.
 
As the baby boomer generation begins to retire, more have a clear idea of what they’re home will look like.
6/12/2014
Baby boomers confident retirement home will be the best
A new poll indicates that retirees have high expectations about what their residence will be like when they exit the workforce.
 
Nearly 6 in 10 then brides-to-be - 57% - said that they saw "the moment" coming all along.
6/4/2014
Women who would change their wedding proposal
A new survey reveals that half of women would alter some aspect of the moment when their significant other popped the question.
 
While recent predictions show the 2014 hurricane season to be fairly calm, experts still urge consumers to be prepared.
6/3/2014
Expected hurricane forecast for 2014
NOAA predicts a mild to normal hurricane season this year.
 
The National Safety Council’s latest fact sheet uncovers the most common injuries Americans suffer.
6/2/2014
NSC releases latest injury report
The National Safety Council published its 2014 edition of 'Injury Facts,' which delves into what types of injuries there have been nationwide.
 
As temperatures slowly but surely climb, people can expect thunderstorm activity to increase.
5/30/2014
New system to improve storm detection
The National Oceanic and Atmospheric Administration will soon unveil its latest technology for storm trackers.
 
The more than two decade streak of the Lab being the most popular breed is the longest reign for any one variety of dog in AKC's history.
5/29/2014
Labrador Retriever maintains dominance in breed popularity
Large breeds were preferred over smaller ones in 2013, according to numbers released by the American Kennel Club.
 
The 2014 hurricane season arrives after one that was unusually quiet.
5/27/2014
Preparing for hurricane season
The National Weather Services has a handy tool to get people prepared for what Mother Nature may have in store in 2014.
 
Even at points in the year where high water levels aren't as pervasive a threat, investing in flood insurance is a smart move to make, the Federal Emergency Management Agency recently advised.
5/22/2014
FEMA: Flood risk never ceases
The Federal Emergency Management Agency recently issued a reminder about why flood insurance is important to have no matter what time of year it may be.
 
It's important to have the proper coverage in place, including flood insurance.
5/21/2014
Guarantee the livelihood of your business with flood insurance
How entrepreneurs can ensure the financial readiness of their companies with flood protection.
 
Americans all over the country are taking part in a program to raise awareness of dog bit prevention.
5/19/2014
National Dog Bite Prevention Week begins
An average of 4.5 million people are hurt each year due to dog bites, according to the American Veterinary Medical Association.
 
A growing number of Americans are starting to wonder whether the long-established SAT is an accurate portrayal of students' abilities.
5/6/2014
Poll: Many Americans unconvinced of SAT accuracy
A minority of U.S. adults think the SAT correctly demonstrates math and reading comprehension, according to a YouGov survey.
 
Other breeds that cause fewer allergic reactions, as suggested by EH&E, include the Labradoodle - which

is a mixture of the Labrador and Poodle - Yorkshire Terrier, Schnauzer and Maltese.
5/2/2014
Best dog breeds for allergy sufferers
In light of it being allergy season, experts at Environmental Health & Engineering offer recommendations for the types of dogs that don't have a lot of pet dander.
 
Tornadoes can occur at any time, and there's no telling when or where the next one will be.
5/1/2014
Latest tornado outbreak a cautionary tale for Americans to prepare
The Federal Emergency Management Agency has suggestions on what to do before, during and after a tornado.
 
It's essential to learn which insurance policies will cover flood and water damage.
4/30/2014
Are you protected from damage caused by water?
Because water damage can take on many forms, the Insurance Information Institute recently outlined a basic rule to figure out the answer.
 
Just when it looked as though we might be out of the woods, there is another weather phenomenon to be cognizant of: spring thaw.
4/28/2014
With winter over, spring thaw arrives
How to prepare your home for the effects of snowmelt and spring thaw, which can result in flooding issues if not fully addressed.
 
According to the National Fire Protection Association, dinner preparation is one of the more common sources of homeowners insurance losses.
4/18/2014
Cooking safely this Easter Sunday
Fires in the kitchen are the main cause of residential fires, according to the National Fire Protection Association.
 
Something else to be mindful of is the payment total as listed on the W-2 and one's pay stub for 2013, which should have a final number for how much income was earned last year.
4/15/2014
Tax filing tips for procrastinators
The American Payroll Association offers some last-minute recommendations for completing income tax returns.
 
Many Americans expect homes to become more equipped with smart technology, or interfaces that allow consumers to access the Internet through devices like televisions, DVD players, home security systems and thermostats.
4/4/2014
Embracing a world of 'Internet of Everything'
A new survey indicates that U.S. consumers anticipate more of their world being connected with the World Wide Web.
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