Category Archives: Insurance

Homeowners Should Treat Winter as a Threat to Their Home

Homeowners in regions that receive the nasty end of winter weather should listen up: a quality homeowners insurance policy is essential to make it through the harsh and brutal winter unscathed. According to an article recently published on, homeowners should follow several simple tips to make sure that their home stays protected and they avoid having to file a homeowners insurance claim.

“Winter also brings periods of heavy snow, ice, and other elements that could endanger a home and force a homeowner to file an unwanted homeowners insurance claim,” according to the article titled, ‘Winter Hazards and Homeowners Insurance.’ “With winter rapidly approaching, you should be sure that your homeowners insurance policy is adequate enough to hold up during any kind of winter-type damage that could be sustained by your home.”

The first tip that all homeowners should exercise is keeping their sidewalks and driveway shoveled and salted as much as possible. This not only avoids a liability suit if someone should accidentally slip and fall but it also avoids a damage claim should a vehicle slip and slide into the garage thanks to an unsalted driveway.

Also, homeowners should do their best to keep their roof clear of snow. Obviously, it isn’t necessary to shovel the roof every time it snows but if the homeowner notices interior doors sticking then that might be an indication there is too much snow weight on the roof. It could lead to bigger and more expensive problems such as a roof collapse if that snow isn’t dealt with promptly.

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MLK Insurance Announces Renters Insurance Website

MLK Insurance, recognizing the growing need for New York renters to insure their belongings, has announced the launch of NY-RENTERSINSURANCE.COM, a site dedicated solely to the renters insurance maket in New York. Many residents in New York are under the impression that their personal property is covered by their landlord in the event of a fire or theft.

Consequently, by not carrying the necessary coverage, there has been a huge number of New York renters left out in the cold when it comes to replacing their damaged or stolen contents. These contents can add up to significant amounts when you factor in the cost of replacing major items like tvs, computers, stereo equipment and furnishings. Increased burglaries in the current economic environment coupled with the coming holiday season which historically has triggered an increase in crimes against personal property, make the next few months a key time to secure the proper coverage. With that in mind, NY-RENTERSINSURANCE.COM was launched to have a quick and easy portal in which consumers can get a quote on the coverage they need. In most cases, same day coverage is available and low deposits of as little as $10 are needed to secure coverage.

Policies start for as little as $55 year for basic coverage which includes $100,000 liability coverage-in case you are sued by someone accidentally injured in your apartment. In addition, the policy pays for any additional living expenses you incur if you are forced out of your apartment while repairs are made. Policyholders have used this coverage for reimbursement on the cost of hotel rooms and eating out and it has prevented them from having to seek out a shelter.

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Renters Take Responsibility with Renters Liability Insurance

As an apartment or condo renter, it’s your responsibility to take care of your guests. Part of that responsibility includes owning renters liability insurance to avoid falling into a financial hole if a guest were to get injured on your property. A recently published article on discusses the significance of renters liability insurance and how it’s become a necessity rather than a luxury to own.

“If you are renting a house, condo, or apartment and you haven’t looked into purchasing renters liability insurance then you might want to start,” the article, Get Covered With Renters Liability Insurance, suggests. “Renters liability insurance is one component of a larger renters policy. A standard renters insurance policy generally comes with contents coverage, liability coverage, and external living expense coverage. However, you should not consider a renters policy unless it has adequate renters liability insurance coverage.”

You should also not consider a policy if it excludes the following: coverage for damage or injury caused by you or your property in your home as well as outside of your home (not including auto accidents), coverage for medical costs and legal bills that could result from said damage or injury, and a substantial coverage limit of at least $500,000.

Go to for renters or homeowners insurance quotes from up to five local agents.

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Inspect Your Home and Save on Homeowners Insurance Quotes

Even though all homes are required to be thoroughly checked out by a licensed inspector before move-in, you should employ the do-it-yourself method of following up the official inspection with one of your own because it could bring you lower homeowners insurance quotes.

According to an article recently published on, “It’s imperative that you conduct a home inspection before purchasing the house,” states the article, ‘Inspect the Unexpected: Take Control of Your Homeowners Insurance.’ “Although the home must be inspected by a licensed residential inspector, you should inspect the property yourself beforehand to look for any problems or issues. If it’s a resale house that is older than 20 years, chances are you will find a handful of issues.”

If you already know your home is a “fixer upper” then the inspection shouldn’t yield many surprises. However, many homeowners have a preconceived notion that their home is perfect in every way. Don’t fall into that trap. If you don’t fix some of the minor problems your new home has then you could pay for it with higher homeowners insurance quotes because you are a more high risk consumer.

For more information on home inspection and what to look for then go online to to talk to an insurance agent. While there don’t forget to compare homeowners insurance quotes from a number of different providers to find the most complete rate out there.

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Homeowners Insurance Quotes Reflect The Age Of Your House

According to an article recently published on, whether or not you’re purchasing a new home or resale home is a big factor in what kind of homeowners insurance quotes you will receive. The article, titled ‘New or Used? Homes That Affect Your Homeowners Insurance,’ states, “Part of what makes a good choice for you depends on the advantages and disadvantages of the two different types of property: new houses and resale houses. Each possesses different characteristics.”

New homes, which are commonly referred to as “tract houses,” usually come in bunches as parts of a larger housing development. These homes generally come with reduced privacy and less property attached but are build with the latest innovations in construction and therefore are more low risk. You will find lower homeowners insurance quotes regarding new homes.

However, resale homes are a whole different ballgame. Although they generally have more character and can be purchased at a cheaper price, resale homes that are older than 20 years are deemed high risk by insurance companies. This is because they are more susceptible to fire, flood, and other dangers that can cause home damage and lead to insurance claims.

Both new homes and resale homes come with their own set of pros and cons. Before purchasing you must decide how important low cost homeowners insurance is to you. Just because it is important to you doesn’t mean you have to purchase a new home. There are other factors that could come into play that could make it cheaper for you to purchase a resale house.

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Having Extensive Homeowners Insurance Is Absolutely Necessary Should Your Home Be Subjected To Any Of The Various Natural Disasters That Occur In A Given Year

After you’ve browsed homeowners insurance quotes and settled on a policy you have to ask yourself: “Is this policy sufficient?” If your homeowners insurance does not cover you against a number of hazards that can occur in your region then you will most likely need to take out hazard insurance.

Extensive Homeowners Insurance

According to an article recently published on, hazard insurance protects your home against a number of possible disasters. The article states, “Before purchasing hazard insurance, talk to your home insurance agent about the homeowners insurance policy you already have and see if the most common hazards are covered. If not, you may have to shop for more homeowners insurance quotes online.”

Some of the more comprehensive homeowners insurance policies protect you against damage inflicted by fire, burglary, and some limited types of storms. However, if you live in a region that is suspect to hurricanes, earthquakes, or flooding you should seriously consider hazard insurance to cover you against your more specific needs that most likely are not covered by your basic homeowners insurance and you should look online for homeowners insurance quotes.

The article states, “So as you can see, hazard insurance may not be for everybody but it could be absolutely necessary if you fit certain criteria. If your current homeowners insurance policy is bare bones, you should seriously consider adding hazard insurance to protect yourself against the elements. The cheapest and most convenient way to do this is to go online today and shop for homeowners insurance quotes.”

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Keep Homeowners Insurance Premium Low by Being Safe

With households from coast to coast doing everything under the sun to cut costs, any kind of information on how to lower home insurance premiums is usually welcomed with open arms. According to an article recently published on, comparing multiple homeowners insurance quotes from a wide array of home insurance agents will cut your home insurance premium.


The article also states, “To save money on your home insurance premium, homeowners should reduce the risks presented to their home and prevent any destruction. By taking easy steps, homeowners could save a significant amount of money annually on their home insurance premium.”

The best way to cut home insurance premium costs is to properly insulate your home from damage that could be caused by fire. Installing smoke detectors throughout the house, keeping a fire extinguisher handy, not smoking, and knowing fire safety rules are just a few of the ways to keep your insurance provider at ease thus lowering your homeowners insurance quotes.

Another important step to take is protecting yourself from break-ins. Advanced security systems, deadbolt locks on all doors leading outside, and motion-sensitive lights are just a few of the ways to make sure you’re not just another break-in statistic. If you take these measures in protecting your home against burglary you could be saving yourself up to and including 5% on your premium.

For more information, visit

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Real Estate Broker Toni Mccarty Formerly Of Windermere Joins Fidelity National Home Warranty As New VP Sales For The Southwest Region

Bill Jensen, CEO and President of Fidelity National Home Warranty, announced the addition of Toni McCarty as the new Vice President of Sales for Arizona, Nevada and Texas. Toni was previously the General Manager for Windermere West Valley in the Phoenix, Arizona area. Her credentials include Associate Broker, ABR, GRI, CRS, CNE and SRES designations. She is also a licensed real estate broker in Texas.

“I am so excited about working with Fidelity National Home Warranty and using my real estate experience to create an even more successful southwest home warranty team”, said Toni“My personal mission is to unlock the passion in the people I influence.” Prior to coming to Arizona, Toni was a successful real estate broker in west Texas where she worked for Keller Williams in Amarillo and Lubbock McDougal Realtors.

Ms. McCarty was recently a key note speaker for the “Real Estate Recruiting in a Survival Mode” at the 18th Annual Recruiting Network Conference held March 2008 in Scottsdale, Arizona.

“We are so excited to have Toni join the Fidelity National Home Warranty Management Team, said Bill Jensen, President. “Her reputation in the real estate industry is impeccable and her range of experience in recruiting, training and maintaining top performing sales teams is priceless. I know she will do great in the home warranty industry. She’s a natural born leader and motivator.”

About Fidelity National Home Warranty
Fidelity National Home Warranty Company (FNHW) is headquarted in Concord, California and provides a one year home warranty service contract for the repair or replacement of homes’ covered systems and major built-in appliances in California, Arizona, Nevada, Texas, Oregon, Washington and Colorado. Covered systems and appliances typically include electrical, central heating, interior plumbing, water heater, ductwork, dishwasher, oven/range/stovetop, trash compactor, garbage disposal and in some states air conditioning and garage door opener. Additional coverages for pool and spa equipment, well pump, washer/ dryer and refrigerator are available for a minimal extra cost. Seller’s Coverage is also available for the home seller during the listing period. Fidelity customers rely on FNHW’s ability to provide consistent superior customer service, quick response time and efficient solutions for homeowners’ problems and needs. Visit for specific coverage details for the home buyer and seller.

FNHW is owned by FNF, Inc, a Fortune 500 Company who also owns many other real estate related companies including: Fidelity National Title, Chicago Title, Lawyers Title, Commonwealth Title, Ticor Title, and Security Title in Arizona and Alamo Title in Texas, as well as Disclosure Source, a Natural Hazard Disclosure Company.

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