Making it easy to find the right insurance

Renters Insurance Neglected by Majority of Those Who Lease

February 5th, 2009 by Penny Hagerman

rental-home2With the housing market in a major slump and the foreclosure crisis still hovering, more and more Americans are opting to rent in lieu of buying a home.

In fact, as of about about six months ago, the Insurance Journal reports that the number of rental households in the U.S. jumped by about 1 million in 2007—before the foreclosure crisis hit its peak, forcing thousands of Americans out of their homes and into rental situations.

But as the number of renters in our country increases, the number of people purchasing renters insurance to protect their belongings is decreasing disproportionately—leaving many vulnerable to loss from theft or disaster.

The findings of a recent survey by Allstate magnifies the issue’s significance:

  • Over 50 million of the approximately 87 million people living in rental housing (nearly two-thirds) do not have renters insurance.
  • More than two-thirds of renters say they have not performed a home inventory checklist—and have no idea what it would cost to replace everything they own.
  • 49 percent (almost half) of renters estimate that the U.S. experiences about 100,000 burglaries a year. According to experts, the actual statistic is more than 2 million—twenty times that estimate.
  • Three out of ten survey respondents thought renters insurance cost at least three times as much as the actual price tag (an average of $15 per month). Another 20 percent had no idea how much it cost.

It’s obvious many renters don’t have a true handle on the facts—which might explain why they often bypass such important coverage altogether.

According to the Allstate survey, most renters cite common reasons like these for neglecting to protect themselves with such vital coverage:

  1. Lack of time
  2. Think the coverage is too expensive
  3. Say they don’t own enough valuables to justify the coverage
  4. Believe landlords are responsible for insuring personal possessions

The truth is, renters are responsible for insuring their own possessions. And, at a typical cost of less than $200 a year, most people can’t afford not to buy insurance for renters if they’re leasing a home.

Whether rental property contains a million dollars in valuable art or $500 worth of furniture, it’s now more important than ever that renters learn to think like homeowners—and protect what they still have left.

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The Facts on Fire Insurance

December 16th, 2008 by Jeb Foster

What is fire insurance, anyway?

Fire insurance is just one of the many coverages included in a basic homeowner’s insurance policy. Damage from fire is one of the 16 “perils” covered in a traditional policy. (See a list of all 16 perils.)

Home fires are emotionally devastating, financially ruinous, all-too-common and largely avoidable.

Major causes of home fires:

1. Cooking & heating appliances
2. Faulty wiring
3. Unattended cigarettes
4. Lightning
5. Arson

You can reduce your risk by following basic precautionary measures, such as installing smoke detectors and keeping fire extinguishers in strategic locations throughout your home (at least one extinguisher per level and one in the kitchen). Simply having these items, however, does not guarantee their functionality; establish a schedule to ensure that your detectors and extinguishers are in proper working order.

In addition: never leave cooking unattended. Most fires start in the kitchen. Don’t smoke. Smoking is the leading cause of home fire deaths. Follow codes and usage guidelines with all heating a electrical appliances. Heating appliances alone cause over 70,000 fires a year.

Quick fire facts:

  • More people die from poisonous gases from fire than from actual burns
  • Most fires start in the kitchen
  • Smoking is a leading cause of home fire deaths
  • Two-thirds of home-fire deaths occur in homes with no smoke alarms or no working alarms*

Fire & holidays
The holiday season is a particularly perilous time for home fires. In 2007, December and January were the peak month for reported home structure fires and home fire deaths. Every year, candle deaths reach a peak in December. Christmas trees are responsible for an average of just under 250 home fires. As one of the coldest months, each December ushers a rise in heating-related home fires.

Armed with the knowledge and coverage you need, you can reduce the physical risk of fire and financial risk of fire damage.

* Many of the facts and statistics used in this post are courtesy of the National Fire Protection Association and the U.S. Consumer Product Safety Commission.

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Condo Insurance vs. Home Insurance: What’s the Diff?

November 26th, 2008 by Penny Hagerman

Owning and maintaining a home can be expensive these days. Upkeep and maintenance often requires constant attention, and homeowners may find themselves repairing or replacing nearly everything in sight at one time or another—to say nothing of the grass that always needs mowing, the sidewalks that need sweeping or the pool that needs cleaning.

For those who choose condo living over the luxury of the single-family home, life affords a few less responsibilities. Though condo owners must sacrifice privacy and share space with other unit owners in their building, they can choose to watch the NFL game on Sunday, rather than mow the lawn—and stay inside when winter storms dump several feet of snow—while neighboring homeowners are shoveling out. condoownerwithkey.jpg

No matter which type of home you choose, home insurance is required protection before taking possession. That way, when you come home from work to find your door standing open and your electronics missing, you’ll have the coverage you need to replace them without going broke. And when your friend comes to visit and ends up biting the dust on your kitchen floor, you’ll have the resources you need to cover medical bills following the accident.

So what’s the difference between condo insurance and single-family home insurance? When you live in a free-standing home, you insure the home’s structure, other buildings and items on the property, and the possessions kept inside your home.

When you live in a condo, on the other hand, you don’t need to insure shared spaces like pools or sidewalks, the building your condo is housed in, or any structures that don’t belong expressly to you. Those items are usually covered by your condo association’s insurance policy instead—leaving you responsible only for your own possessions, appliances, décor, interior-facing walls and other items not commonly shared with neighbors.

If you’re looking for a way to build equity (yes, even in these hard times) with less responsibility and cheaper insurance coverage than traditional housing, consider buying a condo. You’ll save money and protect your home, too—but your insurance bills should be cheaper!

P.S.—Don’t forget to get a free insurance quote!

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Tips for Preventing Frozen Pipes

November 27th, 2006 by Jeb Foster

frosty house.jpgPart One in an Ongoing Series on Home Winterization

State Farm, by way of the Insurance Journal, has a good heads up on winterizing your home’s pipes.

Pipes freeze and burst, State Farm says, when outside temperatures drop below 20 degrees.

The damage from even a minor break in your pipes can be devastating: “A one-eighth inch (3-millimeter) crack in a pipe can spew out more than 250 gallons of water a day.”

Here are a few verbatim tips from State Farm, handily organized into list format by yours truly:

  1. Disconnect outside garden hoses.
  2. Wrap exposed pipes with insulating sleeves or tape.
  3. Seal foundation cracks that let arctic air freeze pipes in crawlspaces.

If the mercury is dropping fast and you want some quick, temporary fixes, State Farm suggests the following:

  1. Open cabinet doors to allow heat to get to piping under sinks and vanities near exterior walls.
  2. Run a small trickle of water at vulnerable cold and hot faucets.

And if I may add a postscript to that last tip, particularly for those people who live in the arid west, place a bucket under the trickling faucet and water your house plants with the water. (Water is scarce!)

Are you energy and/or money conscious? Don’t be too quick to cut the heat in your home. If you live in a perpetually cold winter climate, the Red Cross recommends keeping the thermostat above 55 degrees.

(There are better ways to conserve energy and save money: get storm windows and doors and add insulation to thin areas to prevent heat loss.)

If your pipes do burst, the first order of business, before you call a plumber, is to turn off your water supply. Now would be a good time to learn how to do this (and teach everyone in your household how to as well) if you don’t already know.

Stay tuned for more winterization tips…

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Identity Theft Insurance: Revisited

November 7th, 2006 by Megan Mahan

I posted a little something on the InsureMe Agent Blog today regarding identity theft insurance, and thought it was only fitting to revisit ID theft insurance.


Well, according to the J.D. Power and Associates 2006 Homeowners Insurance Study (see their press release here), over 40 percent of homeowners would like their home insurers to offer identity theft insurance coverage. Between the increase of large corporations leaking personal info, natural disasters spreading our business in literally all directions, and the government dipping into more of our personal affairs, it’s no wonder that many of us are looking for ways to protect ourselves.

But I don’t think identity theft insurance is the answer–at least not yet.

As I said in June, most ID theft policies aren’t all they’re cracked up to be. If your identity is stolen, ID theft insurance won’t pay to help you repair any damage to your credit, nor will it help you absolve yourself of any illegal activity carried out under your name. Not great protection if you ask me.

Take a look at our post about ID theft insurance to get the full scoop, and to learn how you can protect yourself without buying superfluous (and frankly, moot) coverage. But do keep a lookout for advances in ID theft insurance. As consumers demand better protections, I’d venture to say that someone, eventually, will listen and give us a better product with which to protect ourselves.

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Earthquake Insurance: Few Have It, Many Need It

October 17th, 2006 by Megan Mahan

It seems as if everyone’s been so caught up in hurricane madness over the last year, that we’ve sort of forgotten about another serious catastrophe: earthquakes.

That is, until last week when a 6.6 magnitude earthquake rattled Hawaii.

Robert Hartwig, the executive vice president and chief economist for the Insurance Information Institute (I.I.I.) said last week’s quake was “a reminder that disaster can strike anywhere at any time.”

Not to scare the bajeezus out of you, but it’s true. And fortunately there’s something you can do to protect yourself from earthquake damages.

Like flood insurance, earthquake insurance can be purchased in addition to your home insurance policy. As the name suggests, it covers damages to the structure of your home–and in most cases your belongings–resulting from an earthquake. And, like flood insurance, many homeowners don’t realize that earthquake-related damage is not covered by a standard home insurance policy.

And if you’re anything like me (a properly landlocked native of Iowa, living far, far away from seismic activity), you want to learn everything you can about earthquake coverage so that you can adequately protect yourself.

Let’s embark on this adventure of earthquake insurance edumacation together, shall we? :)

…Read the rest of this entry »

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Insurance Agents Go Back to School

September 12th, 2006 by Megan Mahan

It seems that students aren’t the only ones heading back to school this year. The Insurance Journal reported today that states are looking to beef up agent education in one very important area: flood insurance.

IJ reports that the National Association of Insurance Commissioners (NAIC) has adopted a “model bulletin” for insurance professionals who offer flood insurance through the nation’s National Flood Insurance Program (NFIP). The effort relates to the 2004 Flood Insurance Reform Act, which requires flood insurance producers to bone up on the intricacies of flood coverage–the need for which dramatically spiked with the Gulf tragedies in 2005.

Now, the Federal Emergency Management Agency (FEMA) and state departments are developing continuing education classes for insurance professionals. New continuing-ed requirements include satisfying a certain number of NFIP-related courses; failure to comply with these requirements may result in an agent losing his or her ability to write flood insurance policies through the NFIP.

What’s this mean for you?

Additional agent training and education always bodes well for consumers. Among other chief objectives, the Flood Insurance Reform Act is geared towards consumer satisfaction–helping Americans get the best service possible from their insurance professional.

At InsureMe, we’ve made it easy to learn about flood insurance, too. Visit our Insurance Resource Center or take a look at this recent Insurance Blog post to learn more about flood coverage.

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Are Insurers Actually Doing a Heck of a Job?

August 24th, 2006 by Jeb Foster

Terror in the Superdome. “Brownie” asleep at the switch. Reconstruction money going to bottles of Dom Perignon and sexual reassignment surgery. FEMA trailers made of carcinogenic material.

In the year since Katrina, there has been little good news coming from Gulf Coast. That’s either because there hasn’t been much good news to report or, more likely, because bad stories tend to hog the headlines.
thumbs up.jpg
The other day I came across this story from Reuters about how most Gulf Coast residents are actually happy with the way insurers have handled their claims. The story reported on findings from the Insurance Information Institute–an organization Reuters notes is both non-profit and associated with the insurance industry. While I wish the evidence of this happiness came from an independent polling agency and not the Insurance Information Institute, I am confident the data is right on the money. (I don’t mean to question the integrity of the III, but I think the results would have greater impact had they been issued by a polling agency without the word ‘insurance’ in its name.)

According the III, 90 percent of homeowners in Louisiana and Mississippi were satisfied with how insurers handled their claims. That not a small percentage, folks. Further, only 2 percent of Katrina-related homeowner’s claims are in dispute, according to the report.

Clearly insurers are doing something right down there, even though headlines suggest otherwise. Here are a few other possible conclusions from the III’s report:

  • The media is fixated on bad news.
  • Insurers actually aren’t evil and are, in fact, doing a lot of good work.
  • Insurers need to spend more of their giant profits on a PR campaign that highlights their contributions to the rebuilding of the Gulf Coast.

Here’s the entire III release.

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Are Florida’s Leaders Stalling on an Insurance Remedy?

August 18th, 2006 by Jeb Foster

No one questions that there is an insurance crisis is Florida. What is open to debate is whether Florida’s political leadership is in crisis mode.

According to a story in the Tallahassee Democrat, the current Republican leadership would prefer to wait until elections are over this fall before taking any substantive action on the lack of affordable property insurance in the state.Hurricane.jpg

Not surprisingly, that leaves more than a few Floridians a little concerned, because November is a long way off and hurricanes don’t wait for political solutions before making landfall.

Democrats, who hope to pick up seats in the legislature and take the top spot in Tallahassee, have spent a large chunk of their summer campaigns hammering the GOP’s response (or lack thereof) to the crisis. Republicans have responded by saying that Democrats shouldn’t “play politics” with such an important and complex issue. They both have good points.

…Read the rest of this entry »

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Will Homeowners Feel the Heat of Global Warming?

August 10th, 2006 by Megan Mahan

Insurers are studying the impact of global warming on insurance rates, and homeowners could start to feel the heat. general risk model

The Boston Globe reported this week that a small but influential segment of the insurance industry is studying whether climate change is partly to blame for more intense hurricanes in the North Atlantic, which caused an estimated $90 billion in losses in 2004 and 2005. The findings could elevate home insurance rates for those along coastal regions from Maine to Texas.

Risk Management Solutions (RMS), a leader in quantifying and measuring catastrophic risks (whose models are used by over 400 insurers and financial institutions worldwide) has already adjusted the computer model it uses to simulate and anticipate future weather trends. According to the Boston Globe, RMS released this new model in May, estimating that annual insurance losses will increase by as much as 30 percent along the coastal Northeast due to elevated hurricane activity.

…Read the rest of this entry »

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Florida Businesses Feel the Insurance Burn

July 24th, 2006 by Jeb Foster

According to an article in the Miami Herald, South Florida businesses face “permanent, crippling economic damage” due to the lack of affordable windstorm insurance.

Further, the high cost of coverage has many business considering a move to less volatile environs–a prospect that bodes ill for the state’s unemployment rate and economy as a whole. Consumers (who have insurance woes of their own) are also feeling the hurt, as businesses pass on the high cost of windstorm coverage in the form of higher prices.

Unlike homeowners, Florida business owners cannot turn to state-sponsored windstorm insurance.

The real estate market–one of the key pillars of the state’s economy–is also reeling from the insurance crisis. Because insurance is so hard to come by, builders aren’t able to get mortgages. This means that the state’s tax revenue will suffer, as much of Tallahassee’s income is tied to taxes on real estate transactions.

So to sum up, Florida faces flighty businesses; high prices for consumer goods; the prospect of a spike in unemployment; economic stagnation; and a hurricane season that is just getting going. (And I heard the organge crop was big dissapointment this year.)

This state just can’t get a break.

Meantime, businesses, insurance companies, real estate brokers and bankers don’t know a way out of the insurance crisis, and they think the state’s political leadership has taken a casual attitude toward finding a solution. ”The insurance department has dropped the ball on this crisis. By the time they finish talking, we could have been hit by a hurricane,” Carlos Allen, vice president of Pan American Assurance, told the Herald.

He’s got a point.

Gov. Jeb Bush created the Property and Casualty Reform Committee last month. Its first report on the state’s insurance crisis isn’t due until Nov. 15–pretty much the time when the hurricane season packs it in for the winter.

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Do Insurers Unfairly Target Certain Dog Breeds?

July 20th, 2006 by Jeb Foster

If you’ve ever shopped for a homeowners policy, the chances are good you had to disclose whether you owned a Rottweiler, Pit Bull, Doberman, Chow, or German Shepard. (Sometimes even Dalmatians make the list.)

And if you do own one of the above breeds? Well, you may now be paying more for your policy than your Peekapoo-owning neighbor.

The U.S. Humane Society and the American Kennel Club label this “breed discrimination” and they’re lobbying every state legislature in the union in hopes of stopping the practice. Deeds not breeds, they say, should be the determining factor in underwriting. Because what if your docile German Shepard is a saint next to your neighbor’s Peekapoo? Should you have to pay a penalty or be denied coverage while the other guy gets a pass?

…Read the rest of this entry »

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Southern Californians Trade One Disaster for the Prospect of Another

July 18th, 2006 by Jeb Foster

Firefighters in southern California caught a break yesterday as a quarter inch of rain fell on flames that have scorched 85,000 acres and claimed as many as 60 homes.

The rain, however, raised fears of flash flooding. (The newly charred mountain hillsides provide ideal circumstances for flooding.)

If it’s not one thing …

Fire and flooding are perils that should be on every homeowner’s radar screen. It’s also important to remember that while your homeowners insurance covers for fire damage, it does not cover for flooding. (Visit the National Flood Insurance Program for information on flood protection.)

Also, as Megan pointed out in an earlier post, when it comes to fire protection, make sure your home is insured for the replacement cost rather than the actual cash value. (There are no deductions for depreciation in replacement cost policies.)

I can only hope that the residents of those 60 homes were able to get their important belongings and records out before their homes were consumed by the fire.

That reminds me–there is an excellent (and free) home inventorying program available for downloading at the Insurance Information Institute’s Web site. Knowing exactly what you own will speed the claims process should your water or fire (or anything else) damage your home and possessions.

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Waterproofing Your Basement

July 17th, 2006 by Megan Mahan

Can you waterproof your basement? According to Basement Systems, yes you can.

Basement Systems has developed multiple waterproofing products, ranging from a patented piping system called WaterGuard that helps filter water and soil away from your flooring, to a protective floor matting system called ThermalDry to keep your floors from becoming vulnerable to dampness and mold. Basement Systems also offers a state-of-the-art sump pump called the Triple-Safe which can pump up to 6,200 gallons of water per hour. ThermaDry

I spent a fair amount of time on the Basement Systems website and it all looks pretty incredible. All of the waterproofing products aptly compliment one another to keep your basement as dry as possible during a flood and minimize damage to floors and walls. And while the site makes no mention of lower home insurance costs, it seems like a no-brainer way to save.

So if you do decide to waterproof your basement with products like this, be sure to tell your agent about the extra measures you’ve taken to protect your home from damage. It will likely warrant lower insurance premiums and significantly decrease the likelihood that you’ll have to file a claim down the line–a good thing for you and your insurance company.

[Related posts]:
Cutting Down on Post-Flood Damage
Salvaging Storm-Damaged Belongings

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All Eyes on Gulf Coast Court Case

July 12th, 2006 by Jeb Foster

Many residents of the Gulf Coast who were denied coverage for flood-related damage last year will no doubt be watching very closely the results a newly opened federal court case.

According to the AP, the “groundbreaking” case could decide whether hundreds of homeowners will receive payouts for losses incurred last year from storms Katrina and Rita.

At the heart of this trial is the question of whether some hurricane-related damage was caused by wind or post-storm surge flooding, as well as whether insurers misled consumers into not buying sufficient coverage.

(Homeowner’s policies often cover for wind damage but do not cover for damage from flooding.)

Plaintiffs in the case argue that insurance agents encouraged them not to buy flood insurance–that they were assured their homeowner’s would cover for flood destruction. They argue that agents have a disincentive to inform homeowners about flood insurance because they typically don’t make a big commission on such policies.

They also claim that insurance companies erroneously labeled wind damage as flood damage in their claims investigations, allowing them to deny coverage to many of last year’s Katrina and Rita victims.

The potential fallout, if the plaintiffs have their way, is that insurers will be forced to pony up hundreds of millions of dollars for previously denied claims.

We’ll keep you posted.

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Kiddie Pool Safety: Fences Required?

July 11th, 2006 by Megan Mahan

I found an interesting follow up to Penny’s post about summer pool safety today, by way of the Insurance Journal.

Pennsylvanians who thought buying an inflatable kiddie pool would be an easy way let kids swim at home are thinking again. Turns out an enforcement code prohibits the use of most inflatable pools–unless parents opt to put a four-foot fence around it.

According to IJ, under Pennsylvania’s Uniform Construction Code, pools more than 24 inches deep must be accompanied by a fence or screened enclosure. The enclosure must also be equipped with self-closing and self-latching gates. Such enclosures could add hundreds of dollars to a twenty-five dollar pool.

“A baby pool, whether it’s a foot deep or three feet, can be even more dangerous than a pool with sturdy side walls that are four feet high,” said officer Sandy Nicolo. “The fact is that children can find a way to get into anything.” slipnslide.jpg

I have mixed feelings about this. I understand the potential for young children to drown in one of these pools, but I also think we should place some responsibility on the parents to keep an eye kids while they’re out splashing around. One thing is certain–these rules and regulations have come a long way since I was a kid.

Which gives me a great idea: scrap the pools and bring back the Slip ‘N Slide. That long, yellow, sprinkler-clad tarp made for endless backyard fun. While you do run the risk of sliding your belly over a rock or other garden surprise, a bruised rib is nothing to complain about, especially when compared to other summer water risks.

Check out the full IJ story here.

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West Virginia Offers Insurance Education for Women

July 10th, 2006 by Megan Mahan

Well done, West Virginia.

The Register-Herald out of Buckley, reporting the partnership of State Farm and WVU Extension to help education women on insurance issues. thinkingaboutjames.JPG

WVU Extension is a state organization aimed at educating and empowering the community about social, economic, environmental and technical issues. Terrill Smith, a WVU Extension agent, highlights the importance of insurance education for women:

Every woman who has to make insurance decisions for themselves and their families has wondered if the coverage she has on her car or home was enough. They wonder if they have enough life insurance coverage or if they need to invest in disability insurance. Many women have asked me questions about retirement coverage, homeowners’ insurance and a variety of insurance issues.

Studies have also suggested that women seem to be falling through the cracks of America’s healthcare system. According to a recent Kaiser Family Foundation study, over 17 million women over the age of 18 are without health insurance and one in ten working women are currently without health insurance. On average, men are 51 percent more likely to be covered under an employer’s health plan, versus women at 38 percent.

At the risk of sounding preachy, this stuff is a big deal, which is why I commend State Farm and WVU, not only for recognizing the unique insurance needs of women, but for doing something about it. Tonight, the duo will offer a seminar regarding insurance issues. Those attending the seminar won’t be pressured to purchase a policy of any kind, says Smith.

“People will not be asked to buy any insurance from State Farm or anyone else. This is just a wonderful opportunity for women to empower themselves by ask questions and getting information about insurance issues.”

Sessions will be held from 1PM until 4PM and from 5PM until 8PM at the WVU Extension office and childcare will be provided.

Good stuff, West Virginia.

So…what’s your community doing for you?

[Related article]:
Women and Health Insurance: Falling Through the Cracks? [InsureMe Insurance Resource Center]

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Texas, This One’s for You

July 7th, 2006 by Megan Mahan

don't messWell, there’s good news and there’s bad news. The good news is that, on average, 50 percent of homeowners in Eastern and Central Texas have taken steps to prepare their property to recover from a major hurricane. Thus, progress has been made. The bad news is that more action needs to be taken.

A new Hurricane Readiness Index reported that 65 percent of Southern Coastal Texas residents know that their home insurance policies don’t cover floods and yet only 32 percent said they have flood insurance. In Eastern Coastal Texas, 82 percent of homeowners know that their policies don’t cover flood damage and only 42 percent have flood insurance. Yikes.

Nonetheless, Jeanne Salvatore of the Insurance Information Institute offers this silver lining:

…Read the rest of this entry »

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Miss. Lawmakers Look to Casinos to Help with Home Insurance Rates

July 6th, 2006 by Megan Mahan

Could casino funds help cover Mississippi’s skyrocketing home insurance costs?
slot machine

Lawmakers are proposing that the state take part of their gambling revenue to hold down home insurance costs in the area. As we’ve reported before, property insurance isn’t cheap or easy to come by in the Gulf coast and Mississippi brings, what seems to be, an innovative solution to the table.

Check out the complete story via the Insurance Journal…and please forgive me for today’s short post. :)

[Related posts]:
Home Insurance Rates Skyrocket in Mississippi
Another Chance for Grants in Mississippi

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$14 Million in Grants Approved for New Hampshire Flood Victims

July 5th, 2006 by Megan Mahan

Good news for some home and business owners in New Hampshire who were hit by May flood waters.

The Insurance Journal is reporting that the federal government has approved about $14 million in grants and loans; IJ reports that over 4,600 applications for assistance have been filed with FEMA since President Bush signed off on a disaster declaration for six counties in New Hampshire.

Qualified homeowners are set to receive more than $6.7 million and the Small Business Administration has approved over $7 million in home and business loans. National FEMA spokesperson, Kim Pease, said that the goal of the grants is not to restore property to its pre-flood condition, but to provide enough money to help people secure their safety.

If you experienced home or property damage from May flooding, Pease advises residents and business owners to fill out loan applications from the Small Business Administration first–if you don’t qualify, FEMA will work with you to find other programs that might be available.

Despite the heat FEMA’s been roasting under since last summer, I have to say that I’m impressed with the agency’s latest efforts. Not only have they been extremely quick to send funds, but according to homeowners, they’ve been nothing but friendly and helpful in getting flood victims the information to other funds and programs. Well played, FEMA. Well played.

Head over to IJ to check out the full story.

[Related posts]:

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