EINSURANCE – Home


The latest articles and news from EINSURANCE – Home

  • Renters Insurance vs. Landlord Insurance: What They Do & Don’t Cover October 31, 2017 12:00 am
    There’s some confusion about the differences between renters insurance and landlord insurance, but the concept is straightforward: If you own the rental property, get landlord insurance, but if you renting the property from someone else, you...
    EINSURANCE Home Insurance
  • Does Your Home Insurance Cover Animal Damage? September 27, 2017 12:00 am
    So, does homeowners insurance cover animal damage to your home? The answer is: It’s complicated. There are a seemingly endless list of “ifs” and “buts” at first look, but overall there are guiding factors. Check y...
    EINSURANCE Home Insurance
  • How Homeowners Insurance Covers Firearms July 20, 2017 12:00 am
    Firearms and homeowners insurance have a complicated relationship. The issues related to the topic range from policy limits to criminal or non-criminal acts to individual state regulations. Firearms and Insurance Rates Many insurance compa...
    EINSURANCE Home Insurance
  • Insuring Your Home in an HOA Community June 21, 2017 12:00 am
    Homeowners associations (HOAs) are common, and not just for condominiums and townhomes. Some single-family detached homes are located within an HOA neighborhood or community. When buying a new home, whether multi- or single-family, it’s impo...
    EINSURANCE Home Insurance
  • Does Your Airbnb Home Have Enough Insurance Coverage? May 17, 2017 12:00 am
    Home sharing service Airbnb now offers free Host Protection Insurance (HPI).  Although HPI covers up to $1M per incident, don’t expect it to be enough protection. The liability policy, like those offered by other vacation rental sites,...
    EINSURANCE Home Insurance
  • Can You Deduct Your Homeowners Insurance Costs On Your Taxes? Sometimes. April 17, 2017 12:00 am
    The answer to whether or not homeowners insurance is tax deductible is kind of a mixed bag of good news/bad news. Generally, your premium costs are not deductible (bad news), but there are exceptions (good news). Since home ownership comes with so...
    EINSURANCE Home Insurance
  • EINSURANCE’s Top 10 Articles of All-Time January 24, 2017 12:00 am
    We have been posting articles for over 20 years to ensure you, our customers, are informed when buying insurance. Our commitment has been, and will always be, to keep you up-to-date on coverage options, policy terms, and all you need to know about...
    EINSURANCE Home Insurance
  • 5 Tips for Keeping Your Home Safe This Halloween October 25, 2016 12:00 am
    For home owners, trick-or-treaters aren’t the only spooky things that come with Halloween. While you’re handing out goodies and enjoying the costumes you’ll want to have a good time and not worry about your home becoming a liabil...
    EINSURANCE Home Insurance
  • Protect Your Home from the Unexpected September 28, 2016 12:00 am
    Older people are most likely to sustain an injury at home than anywhere else. But accidents at home can happen no matter your age. With precaution you can make your home safer, and some of these measures might allow you to receive home insurance d...
    EINSURANCE Home Insurance
  • Don’t Let Lack of Dog Liability Insurance Come Back to Bite You April 29, 2016 12:00 am
    Beware the dog that takes a chunk out of your bank account. You are liable should your pet pooch bite someone, but your homeowners or renters insurance may take some sting out of the injury. How protected you are can be limited by both the state i...
    EINSURANCE Home Insurance
  • Grinch-Proof Your Home for the Holidays December 2, 2015 12:00 am
    Don't be an easy mark for grinches and thieves who target homes during the holidays. Whether you’re going to be away from home for a couple hours or a couple weeks, here’s how to protect your home from holiday thieves. Your season will...
    EINSURANCE Home Insurance
  • Four Coverage Options If You Work Out of Your Home November 12, 2015 12:00 am
    Being your own boss is part of the American Dream. Working from home makes it even better. But the dream has some downsides. What would happen to your business if you were injured or hospitalized? What if a delivery guy trips bringing you your off...
    EINSURANCE Home Insurance
  • Party Season is Coming: The Facts About Your Legal Responsibilities as a Social Host September 22, 2015 12:00 am
    Planning a party any time soon? If you’ll be serving alcohol you need to know about a set of rules called Social Host Laws in the majority of U.S. states that could make you legally responsible for accidents and injuries that happen to or ar...
    EINSURANCE Home Insurance
  • Insurance Tips for First-Time Homebuyers September 1, 2015 12:00 am
    The stars are finally aligning to woo Millennials into the housing market.  Rental costs are on the rise making equity-building mortgages more appealing, lending standards are loosening up, builders are ramping up construction which will make...
    EINSURANCE Home Insurance
  • Make Your Home Safer This Summer July 2, 2015 12:00 am
    The kids are out of schools. Friends and family are coming to visit.  You’re planning a little getaway. Summer’s in full swing. But don’t let a vacation-mentality spoil your season. Take some commonsense precautions to prote...
    EINSURANCE Home Insurance
  • Fast Facts About Homeowners Insurance and Reverse Mortgages June 25, 2015 12:00 am
    You’ve probably seen the ads on TV touting the benefits of a reverse mortgage. They’re a special type of loan exclusively for homeowners 62 or older that lets them convert part of their home equity into cash. There are no restrictions...
    EINSURANCE Home Insurance
  • Homeowners Insurance Fact or Fiction? Take the Quiz May 8, 2015 12:00 am
    Homeownership may be the American Dream, but it comes with a stark reality that often comes as a shock to first-time buyers: homeowners insurance. Beyond knowing that your mortgage holder requires it, many Americans are woefully uninformed about the to...
    EINSURANCE Home Insurance
  • 4 Reasons to Buy Renters Insurance April 3, 2015 12:00 am
    Even with near record-low mortgage rates, reasonably affordable prices and the carrot of mortgage interest deductions, the National Association of Realtors® (NAR) annual survey found that the percentage of first-time homebuyers dropped to a ne...
    EINSURANCE Home Insurance
  • Does Homeowners Insurance Cover Landscaping? March 12, 2015 12:00 am
    Landscaping adds a lot to the enjoyment of your home while you live in it and the value of your home when you sell it. Good landscaping doesn’t come cheap. As spring finally approaches, if your green thumb is itching to welcome warmer weathe...
    EINSURANCE Home Insurance
  • How to Compare Homeowners Insurance Policies February 19, 2015 12:00 am
    Shopping for homeowners insurance policies has never been easier. With just a few keystrokes, you can get quotes online from major carriers. But then what? Do you just go with the lowest quote? Pick the provider whose TV ads you like? Opt for the insur...
    EINSURANCE Home Insurance
  • Flood Insurance: What is Menendez-Grimm and Why Homeowners Should Care? January 26, 2015 12:00 am
    The National Oceanographic and Atmospheric Administration (NOAA) won’t release their forecast for spring flooding until mid-February, but heavy snowfalls this month could trigger a big melt when the weather warms up, and that means floods. Spring...
    EINSURANCE Home Insurance
  • Not Home for the Holidays? Tips to Protect Your Residence When You’re Away December 2, 2014 12:00 am
    Christmas is coming, which means lots of people will be going off on vacations or visits to far-flung relatives. It’s the most wonderful time of the year for thieves, too. An FBI study found that more than 400,000 burglaries occur every year in t...
    EINSURANCE Home Insurance
  • Is Your Home an Attractive Nuisance? September 16, 2014 12:00 am
    If you’ve bothered to read your homeowners insurance policy (and you really should), you may have noticed the phrase “attractive nuisance.” Not understanding the concept and your potential liability could result in higher insurance pr...
    EINSURANCE Home Insurance
  • Natural Disaster Evacuation and Homeowners Insurance September 9, 2014 12:00 am
    Wildfires, hurricanes, tornados, floods, heatwaves -- natural, weather-related disasters happen year-round and countrywide. In 2013, extreme weather caused about $8.8 billion in property damage, 446 deaths and 2,766 injuries and illnesses.[1] In many i...
    EINSURANCE Home Insurance
  • How to Protect Your Home During Wildfire Season August 26, 2014 12:00 am
    That title is a bit deceptive. In many parts of the U.S., wildfire season is year-round, and no part of the country is entirely immune. While wildfires in drought-prone areas like California, Arizona and Texas are most frequently in the news; no area o...
    EINSURANCE Home Insurance
  • 2014 Florida Homeowners Insurance Update August 12, 2014 12:00 am
    Every state in the union has its own unique challenges that can jack up the cost of homeowners insurance. But some are more challenged than others, and Florida may be the champion. If you live in the Sunshine State, you already know that in recent...
    EINSURANCE Home Insurance
  • Was Your Homeowner’s Insurance Claim Denied? May 13, 2014 12:00 am
    This Could Be the Reason  Imagine this. A big storm knocks over a tree and punches a hole in your roof. It’s a huge mess and a major inconvenience. But at least your homeowners insurance will cover a big chunk of the cost to make things...
    EINSURANCE Home Insurance
  • Lightning Liability Insurance—How to Avoid the Shocks of Lightning Strikes April 29, 2014 12:00 am
    Lightning Liability Isn’t So Shocking with Homeowners Insurance The sky darkens day into night, the wind picks up, and booming thunder rattles your windows. As every school kid knows, thunder follows lightning, and lightning strikes can kill....
    EINSURANCE Home Insurance
  • Ready for the Big One? Make Earthquake Insurance Part of Your Survival Plan April 15, 2014 12:00 am
    A series of powerful earthquakes and aftershocks rocked Chile earlier this month, triggering tsunami warnings around the eastern Pacific Rim. A week later, the Los Angeles suburb of Sherwood was rattled by a magnitude 3.3. Are earthquakes on the increa...
    EINSURANCE Home Insurance
  • Does Insurance Cover Tornado Damage? Be Aware of Regional Limits to Tornado Insurance Coverage March 27, 2014 12:00 am
    Does insurance cover tornado damage? Good question! Imagine coming home from work to find your entire neighborhood, not just your home, completely obliterated. That’s what happened to thousands of homeowners in Moore, Oklahoma, on...
    EINSURANCE Home Insurance
  • Flood Insurance Update March 27, 2014 12:00 am
    It’s been one cold, snowy winter for most of the U.S. On March 6, NOAA reported that ice covered 92.6 percent of the Great Lakes.[1] Then, half way through the month, the east coast was hammered with another blizzard. Spring will get here eventua...
    EINSURANCE Home Insurance
  • A Few Things To keep In Mind During The Winter January 15, 2014 12:00 am
    Baby, it’s cold out there! I know, I didn’t need to tell you that.  But for some, this record cold will also mean a record plunge in the cash in their pockets.  Old man winter can do serious damage to your home. Wa...
    EINSURANCE Home Insurance
  • Do Oklahomans Need To Buy Earthquake Coverage Now? January 9, 2014 12:00 am
      Oklahomans noticed their windows rattling last night as yet another earthquake struck Oklahoma.  It wasn’t the biggest of the last few months but it was another warning from mother nature that unseen things ar...
    EINSURANCE Home Insurance
  • Mother Nature’s Bullseye's: 10 Places Where Living Can Be Dangerous December 26, 2013 12:00 am
                You’re probably in danger from a natural disaster and did not even know it!  Need an example? New York City is overdue for an earthquake that will kill scores...
    EINSURANCE Home Insurance
  • How to Prepare for a Tornado November 18, 2013 12:00 am
    Tornadoes struck parts of the Midwest this past weekend killing six people and leaving hundreds with damaged or destroyed homes.  But wait, tornadoes happen in the spring not in the winter!  Tornadoes in the middle of November are but a remin...
    EINSURANCE Home Insurance
  • How To Lower The Cost of Homeowners Insurance October 24, 2013 12:00 am
    Super storm Sandy’s victims are again in the news as they battle the high cost of homeowners insurance. You may be fighting that same battle whether you know it or not. Homeowner’s insurance is one of those items that is a...
    EINSURANCE Home Insurance
  • Puppy Insurance Plans Are No Longer the Runt of the Litter September 23, 2013 12:00 am
    If puppy insurance plans were around for Old Yeller, that story would have had a much happier ending. EInsurance explains the benefits of pet insurance.   Puppy Insurance Plans Can Save You B...
    EINSURANCE Home Insurance
  • Predictive Modeling and Your Insurance Premiums June 20, 2012 12:00 am
    Predictive modeling is a analytic process that uses data mined from a variety of sources to create a statistical model of future behavior. Increasingly, it’s being used in the insurance industry to decide what to charge you for almost every kind...
    EINSURANCE Home Insurance
  • Hail Damage and Homeowners Insurance June 18, 2012 12:00 am
    Throughout most of the US, spring and summer is storm season and often that means hail stones raining down on your home. The biggest hail stone ever recorded by the National Oceanic and Atmospheric Administration was 7 inches in diameter, but even the...
    EINSURANCE Home Insurance
  • Save on Homeowners Insurance with Green Discounts May 22, 2012 12:00 am
    The insurance industry are seeing green and that’s a good thing if you’re a eco-conscious homeowner looking to save money on your homeowners insurance coverage.  Many insurers are now offering premium discounts of up to 10% to customer...
    EINSURANCE Home Insurance
  • Dogs Bite Homeowners Insurance Premiums May 18, 2012 12:00 am
    It’s National Dog Bite Prevention Week (who knew?) and good time to raise your awareness about one of the hidden costs of dog ownership: higher insurance premiums or even outright denial of coverage. TheInsurance Information Institute estim...
    EINSURANCE Home Insurance
  • Cover Your Risk Gaps with Umbrella Insurance April 23, 2012 12:00 am
    If you’ve been weathering our current economic doldrums by skimping on insurance coverage, the pennies you’re saving could put you at risk of a financial tsunami. Pinch pennies on certain types of personalpolicies like auto insurance...
    EINSURANCE Home Insurance
  • How to Get the Best Homeowners Insurance Policy April 11, 2012 12:00 am
    Your home is the more than likely the biggest personal investment you’ll ever make. Homeowner’s insurance protects that investment. Sure, you want to find the cheapest homeowners policy out there, but buying coverage based on price alone ca...
    EINSURANCE Home Insurance
  • Homeowners Insurance Policy Alphabet Soup April 9, 2012 12:00 am
    Every homeowners insurance policy has six basic components, conveniently labeled Coverage A through Coverage F. Understanding what each part covers and what it doesn’t will help you when you shop forhomeowners insurance quotes online. C...
    EINSURANCE Home Insurance
  • Homeowners Insurance Deductible Nitty Gritty March 22, 2012 12:00 am
    One of the best ways to save money on your homeowners insurance coverage is by understanding how your deductible works. By definition, a deductible represents your share of the insured risk in an insurance contract. It’s the money you’ll ha...
    EINSURANCE Home Insurance
  • Self-Storage Units and Homeowners Insurance Coverage March 5, 2012 12:00 am
    The late, great comedian George Carlin observed that “a house is just a place to keep your stuff while you go out and get more stuff.” But sometimes, your house isn’t big enough for your stuff (or your parents don’twant yo...
    EINSURANCE Home Insurance
  • Why Your Homeowners Insurance Premiums Are Rising February 21, 2012 12:00 am
    If you’re like most Americans, the value of your home definitely did not increase in 2011. So why are experts predicting that homeowner insurance premiums will continue to rise, some by as much as 18% according to an A.M. Best report? You may not...
    EINSURANCE Home Insurance
  • What Does an Insurance Agent Do? February 8, 2012 12:00 am
    Shopping for insurance quotes and buying insurance online is so simple, you might wonder why you would ever need an insurance agent. After all, when you shop for insurance online, you can compare lots of policies quickly in your PJs at 2 a.m. We’...
    EINSURANCE Home Insurance
  • Understanding Insurance Underwriting February 6, 2012 12:00 am
    Maybe you’ve heard the term underwriting, but what exactly is underwriting and what do insurance underwriters do? They’re a critical step in determining both your insurability and the premiums you pay ifa policy is issued. Here are th...
    EINSURANCE Home Insurance
  • Little Known Homeowners Insurance Risks: Law & Ordinance Coverage January 26, 2012 12:00 am
    You’re a smart homeowner. You’ve always carried enough homeowners insurance. You’ve reviewed your policy regularly and added coverage when you made improvements. You even have supplement flood and earthquake policies, just in case. So...
    EINSURANCE Home Insurance
  • Auto Insurance Basics for Your Home-Based Business January 24, 2012 12:00 am
    The Bureau of Labor Statistics reports that resignations rose steadily in 2011, with nearly 2 million American workers giving notice last September – the highest number since November 2008. Since we doubt that all those folks won the lottery, it&...
    EINSURANCE Home Insurance
  • Jewelry Insurance Basics January 20, 2012 12:00 am
    Precious metal prices continue to rise. If you’re not invested in bullion, you may not think that concerns you much. But if you own gold or platinum jewelry it should. In 2007, gold was $600 an ounce; today it’shovering around $1,650,...
    EINSURANCE Home Insurance
  • Test Your Homeowners Insurance Knowledge January 13, 2012 12:00 am
    Think you know your stuff when it comes to homeowners insurance? See if you can answer these five questions. Knowing the facts can help you avoid costly errors and make better decisions when you’re looking for homeowners insurance quotes Whil...
    EINSURANCE Home Insurance
  • Mold Can Mess Up Your Homeowner’s Insurance January 6, 2012 12:00 am
    Black grout can be a fashion statement, but if your bathroom tile is starting to look like an out-of-control science experiment, it’s time to face facts. You have a mold issue and you need to deal with it ASAP. Mold is a fungus and its microscopi...
    EINSURANCE Home Insurance
  • Homeowners Insurance and Tree Damage January 4, 2012 12:00 am
    Even the most basic homeowner’s insurance policy covers wind damage to your home, but what about the damage caused by a tree blown over by that wind? What if the offending tree that bashed a hole in your roof belonged to the next-door neighbor? W...
    EINSURANCE Home Insurance
  • What Happens When You Lie on an Insurance Application December 21, 2011 12:00 am
    Honesty is the best policy. Cheaters never prosper. It’s a sin to tell a lie. You’ve heard all the clichés but sometimes it takes knowing how easily you can be found out and the consequences of fibbing to hammer home the point. So, t...
    EINSURANCE Home Insurance
  • Holiday Mall Shopping Safety Tips December 19, 2011 12:00 am
    With just a few days left till Christmas, the race is on to get the shopping done and millions of procrastinators will be packing the malls. While you see a winter wonderland, there’s plenty of danger, too. It comes in the form of thieves, pickpo...
    EINSURANCE Home Insurance
  • Auto Break-Ins Spike Over Holidays December 15, 2011 12:00 am
    Just a few shopping days left before Christmas. Don’t let your car become a shopping mall for crooks. Every year, over $1.25 billion in personal property is stolen from America’s vehicles, according to the National Insurance Crime Bureau. M...
    EINSURANCE Home Insurance
  • What You Should Know About Insurance Credit Scores December 7, 2011 12:00 am
    Information is power. In today’s world, knowing who knows what about you is your best bet at leveling the playing field. Here’s what you need to know about insurance credit scoring and whether a less than stellarscore is why you&rsquo...
    EINSURANCE Home Insurance
  • Deck Your Halls Safely December 5, 2011 12:00 am
    Tis the season for millions of Americans to head up on the rooftop to hang the holiday decor. The Consumer Product Safety Commission reports that 12,500 people are treated in emergency rooms each year for fall, cuts and shock related to Chris...
    EINSURANCE Home Insurance
  • Don’t Let Holiday Identity Theft Ruin Your Insurance Score November 28, 2011 12:00 am
    You know you have a credit score, but did you know you have an insurance score, too? Or that bad credit can affect what you’re charged for various insurance products including car insurance, homeowners insurance and even health insurance? During...
    EINSURANCE Home Insurance
  • Home Security Tips for Holiday Travelers November 21, 2011 12:00 am
    Three in 10 Americans will be traveling during the 2011 holiday season from Thanksgiving through New Year’s, according to the American Express Spending and Saving Tracker. Many will be taking an average of two trips. Happy holidays, enjoy your de...
    EINSURANCE Home Insurance
  • What You Don’t Know About Flood Insurance Can Soak You September 21, 2011 12:00 am
    As many recent flood victims are now finding out, learning what flood insurance doesn’t cover can be an unpleasant revelation. Since ignorance is rarely bliss when it comes to insurance, here are some things youneed to know about the Nation...
    EINSURANCE Home Insurance
  • Post-Hurricane Irene Homeowner Insurance Update August 30, 2011 12:00 am
    Round-the-clock media coverage for Hurricane Irene focused on the potential destruction the winds would cause from Florida to the Canadian border. Extraordinary intervention by state and federal governments kept loss of life to a minimum. But nothing c...
    EINSURANCE Home Insurance
  • An Ounce of Cheap Earthquake Insurance Prevention August 26, 2011 12:00 am
    As people in Colorado and along the East Coast learned this month, earthquakes aren’t just for California anymore. Actually, they never were. According to the US Geological Survey, earthquakes happeneverywhere and all the time, but most jus...
    EINSURANCE Home Insurance
  • Homeowners Insurance Tips: Prevent Fireworks Home Fires June 24, 2011 12:00 am
    Fireworks sales to consumers have risen dramatically in the past 25 years. Consumption per million pounds has increased nearly 920%, according to the National Fire Protection Association. Of the 213.2 millionpounds of fireworks sold in the U.S. i...
    EINSURANCE Home Insurance
  • Organize Your Insurance Policies and Your Life with Online File Storage June 20, 2011 12:00 am
    Spring was a little late in coming to many parts of the country this year. When it did show up, it often wreaked havoc. So if you haven’t done your spring cleaning yet, you get a pass and a second chance toget organized.  Start wit...
    EINSURANCE Home Insurance
  • Store and Access Insurance Policies in an Online Safe Deposit Box June 15, 2011 12:00 am
    Good for you! You  applied for competitive health insurance quotes and car insurance quotes at http://www.einsurance.com. You secured a health insurance policy and auto insurance policy that fit your needs and budget. You patted yourself on the back...
    EINSURANCE Home Insurance
  • Security Systems Qualify for Homeowners Insurance Discounts May 20, 2011 12:00 am
    Home invasions are on the rise according to FBI, which compiles its data from crime statistics supplied by police departments across the country. The most likely reasons for the uptick? A bad economy, coupled with the fact that homes are easier ta...
    EINSURANCE Home Insurance
  • Does Homeowners Insurance Cover Tornado Damage? April 27, 2011 12:00 am
    It’s only April, and this year’s tornado season is on track be the most costly ever for damages and homeowner insurance claims. As of April 18, 2011, 617 tornados had been recorded by the National Weather Service, compared to 203 during Apr...
    EINSURANCE Home Insurance
  • How To Avoid Common Homeowners Insurance Claims April 19, 2011 12:00 am
    After a winter of record snowfalls in many parts of the country, we’re now seeing a flurry of spring blizzards and thunder storms.  When the spring melt comes, many experts are predicting unprecedented flooding. Severe weather and its afterm...
    EINSURANCE Home Insurance
  • All About Sinkhole Insurance for Homeowners April 1, 2011 12:00 am
    Attention, homeowners! As if you didn’t have enough to worry about what with hurricanes, floods, earthquakes, firestorms and mudslides, you can add sinkholes to your concerns. Florida is infamous for them, but sinkholes can and do happe...
    EINSURANCE Home Insurance
  • What Is Force-Placed Homeowners’ Insurance? March 29, 2011 12:00 am
    As homeowners continue to struggle with high unemployment and upside down mortgages, many seeking to save money have let their homeowners insurance lapse. If you’re toying with this idea, we urge you to consider other cost-cutting strategies like...
    EINSURANCE Home Insurance
  • Homeowners Insurance Tips: Prevent Flood Damage March 18, 2011 12:00 am
    Heavy winter precipitation, melting snow packs and major spring storm systems could mean widespread flooding across the northern and Midwestern US this spring. Parts of the Ohio River Valley and New Jersey have already experienced flooding, but the Nat...
    EINSURANCE Home Insurance
  • Do Homeowners Insurance Policies Cover Nuclear Accidents? March 17, 2011 12:00 am
    The recent Japanese earthquake and ensuing tsunami may have had you checking your homeowners insurance policy to see if you’d be covered for those kinds of disasters. The answer in both cases is probably not. Standard homeowners insurance and ren...
    EINSURANCE Home Insurance
  • How to File a Complaint About an Insurance Company March 1, 2011 12:00 am
    In a perfect world, all insurance claims would be handled promptly and to your complete satisfaction. Then again, in a perfect world, you wouldn’t need insurance. Alas, perfection continues to elude us and our insurance carriers. The National Ass...
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  • Are Insurance Benefits Taxable? February 14, 2011 12:00 am
    Tick. Tick. Tick. April 15 is coming. About 1% of the population is audited every year, but in an effort to bolster revenues, the IRS is reportedly ramping up their scrutiny. One of the red flags is unreported income. Is the inheritance you got from yo...
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  • Are Insurance Settlements Taxable Income? February 14, 2011 12:00 am
    Uncle Sam wants you to declare every single penny of taxable income. Failure to do so may result in an audit (which makes root canal without anesthesiology seem like a picnic) and hefty fines. But what exactly is taxable income? The courts have defined...
    EINSURANCE Home Insurance
  • How to Maximize Your Insurance Tax Deductions for 2010 January 24, 2011 12:00 am
    The tax man cometh and he’s headed for your wallet. Itemize your tax return and take full advantage of all legitimate income tax deductions that you’re entitled to in 2010, including insurance deductions. Deductions help lower your gross ta...
    EINSURANCE Home Insurance
  • California Super Storms and Homeowners and Flood Insurance January 19, 2011 12:00 am
    To paraphrase the famous line from the movie Jaws, you’re going to need a bigger homeowner’s insurance policy. Way bigger if the scientists who are predicting a California Super Storm are correct. And, since water damage caused by floods th...
    EINSURANCE Home Insurance
  • Firearm Insurance for Gun Owners January 17, 2011 12:00 am
    In 2009, the FBI’s National Instant Criminal Background Check System (NICS) reported that there were 14,033,824 guns purchased in the U.S. That was a 10% increase from the previous year, and the actual number of guns could be even higher, since t...
    EINSURANCE Home Insurance
  • Maybe You DO Need Hurricane Insurance January 14, 2011 12:00 am
    If you live along the Gulf Coast, the Eastern Seaboard or almost anywhere in Florida, you pretty much expect that you’ll need to supplement your standard homeowners insurance policy with hurricane and/or flood insurance coverage. While damage fro...
    EINSURANCE Home Insurance
  • Musical Instrument Insurance Floaters January 3, 2011 12:00 am
    Maybe you didn’t get 11 pipers piping or 10 drummers drumming but if your true love brought you a new musical instrument of any sort for the holidays, make musical instrument insurance a top priority in the new year. Then, if a lord happens to le...
    EINSURANCE Home Insurance
  • Homeowners Insurance and the Mysterious Disappearance Clause November 27, 2010 12:00 am
    Along with the blessings of owning valuable possessions like jewelry, fine art, electronic equipment and other wonderful things comes the risk of losing them. The more cool stuff you own, the more homeowner’s or renter’s insurance you need...
    EINSURANCE Home Insurance
  • Update Your Homeowner Insurance Checklist After the Holidays November 21, 2010 12:00 am
    Whatever you celebrate in December, chances are you will acquire an expensive gift or two: a flat-screen TV, a camera, a laptop, jewelry, maybe even a puppy. Protect your new possessions from thieves, fires and all the other things that can beset them....
    EINSURANCE Home Insurance
  • Will Your Property Insurance Protect You If You Rent to a Bad Tenant? November 16, 2010 12:00 am
    It took just 45 minutes for an Escondido, California home to burn to the ground. The home, valued between $250,000 and $300,000, was a rental unit that had been occupied for about four years by the same tenant. Although the home’s owner had more...
    EINSURANCE Home Insurance
  • Making More Informed Choices for the New Year - Consider Your Auto, Home, Health and Life Insurance November 11, 2010 12:00 am
    You have insurance, so you're all set if something were to go wrong, right?  Well, maybe not.  Just because you have insurance, does not mean that you have the kinds of coverage that you need or high enough limits to adequately protect you...
    EINSURANCE Home Insurance
  • Save on Homeowners Insurance: Avoid These Winter Safety Hazards November 11, 2010 12:00 am
    When the temperature goes down, a lot of safety hazards go on, especially during the holidays. Damage from faulty electrical connections, chimney fires, heating systems and Christmas decorations are top offenders that can drive up your homeowners in...
    EINSURANCE Home Insurance
  • Should You Carry High Deductible Home Owner Insurance? November 11, 2010 12:00 am
    If you’re like most Americans, you’re doing some fancy footwork juggling bills and making ends meet. If there’s another penny to be squeezed, you’re the first guy asking for pliers. One way to save is to carry a higher deduct...
    EINSURANCE Home Insurance
  • What You Need to Know When Shopping for Mobile Home Insurance November 11, 2010 12:00 am
    The relative affordability of mobile homes gives millions of householders a shot at homeownership they might not otherwise have. Unfortunately, most of the time mobile home ownership doesn’t come with the land (unless you buy that,...
    EINSURANCE Home Insurance
  • Winter Home & Health Hazards: Carbon Monoxide. Reduce Your Homeowners Insurance with a Safer Home November 11, 2010 12:00 am
    Protecting your loved ones is critical during the holidays. Carbon monoxide (CO) kills over 2,000 people every year in the U.S. and another 8,000 to 15,000 people are treated for non-fire-related CO poisoning annually, according US Consumer Product...
    EINSURANCE Home Insurance
  • Winter Home & Health Hazards: Mold. Lessen the Impact on Your Homeowners Insurance Quotes November 11, 2010 12:00 am
    Winter brings lots of pleasant things. Mold is not one of them. In addition to being unattractive, mold growth can be hazardous to your health, destructive to your home and may even result in higher homeowners insurance quotes or, in the worst case sce...
    EINSURANCE Home Insurance
  • Winter Home Heating Savings November 11, 2010 12:00 am
    Times are tight and cold winter weather can really eat into your monthly budget. Every little bit of savings counts and can be used toward your other essential expenses, including your homeownersinsurance. Here are some commonsense winter home heating...
    EINSURANCE Home Insurance
  • Aliens Among Us: The Uninsurables October 29, 2010 12:00 am
    David Oxley is Managing Director of Coppergate International's Houston-based U.S. practice. Coppergate provides specialist advice to over 2,000 clients in Europe and America relating to cross-border immigration, tax, social security, Human Resources, a...
    EINSURANCE Home Insurance
  • Insurance 101: What Is It, And Why Should I Care? October 29, 2010 12:00 am
    From crossing the street, to purchasing a new home, to traveling on an airplane, we all face risks daily. We've found ways of avoiding or minimizing certain risks, but it isn't possible to avoid them all. Some risks are trivial, like feeding and burpin...
    EINSURANCE Home Insurance
  • Insurance Considerations For Domestic Partners October 29, 2010 12:00 am
    Domestic partners are couples who form a union, who desire to share an exclusive life together, and are of the same sex. A recent Supreme Court ruling overturned a Texas state ruling that prevented domestic partners from being recognized as "legal...
    EINSURANCE Home Insurance
  • Add Identity Theft Insurance to Your Homeowner’s Policy October 28, 2010 12:00 am
    As many as 9 million Americans were  victims of identity theft, according Federal Trade Commission estimates. Typically, it involves the theft of a piece of personal information such as a PIN, Social Security Number or Driver&rsquo...
    EINSURANCE Home Insurance
  • Social Host Laws: How to Protect Yourself (and Your Homeowners Insurance) During Holiday Parties October 26, 2010 12:00 am
      America’s prolonged holiday season is about to kick-off. It starts around Halloween and runs through New Year’s Day. If you’re planning a party, you need to know about Social Host Laws that may lea...
    EINSURANCE Home Insurance
  • What is Landlord Insurance and What Kind of Coverage Do You Need? October 11, 2010 12:00 am
    If you rent out residential property, even a  granny flat over your garage or an apartment in your basement, you’re legally a landlord and face all the liabilities that come with that title. The short list of the risks you take on as a landl...
    EINSURANCE Home Insurance
  • What Kind of Renters Insurance Do You Need? September 10, 2010 12:00 am
    When it comes to renters insurance, it isn’t a question of whether you need it – you do. The right questions to ask are: “ which kind of renters insurance do I need?” and “how much renters insurance is enough?” &...
    EINSURANCE Home Insurance
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