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Top 10 states with the happiest and least happy homeowners insurance policyholders

Are you happy with your homeowners insurance company? Based on Clearsurance scores, we have determined the states with the happiest and least happy policyholders.

by  Alison Tobin on Jun 26, 2018

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Hail damage: What does car insurance and home insurance cover?

Insurance claims from hailstorms have been increasing in recent years. It's important to find out out if you are covered on your auto insurance and homeowners insurance for hail damage.

by  Jen Phillips on Apr 30, 2018

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How gun ownership could impact your homeowners insurance

While owning a gun shouldn’t directly increase your homeowners insurance rates, you may want to consider purchasing additional protection to cover yourself and your firearms. Adding a rider to your policy and increasing your liability limits are two ways to secure more coverage.

by  Ryan Baillargeon on Mar 30, 2018

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What is an insurance deductible?

A deductible is the amount you have to pay after filing a claim before your insurance company starts paying for further costs associated with the loss. Learn more.

by  Joel Ohman on Mar 20, 2018

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Do I need insurance if I move?

Homeowners insurance policies typically don't cover damages incurred during a move. So if you have an expensive item that is dropped and damaged during a move, homeowners insurance will not cover the repairs. Find out what options you have to cover your belongings during a move.

by  Jen Phillips on Feb 19, 2018

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Protecting your property with home security systems

Installing a home security system not only increases the safety of your house, but it also often qualifies you for a discount on your homeowners insurance. Here's what you need to know about home security systems and how it affects your homeowers insurance.

by  Jen Phillips on Jan 31, 2018

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Does staying loyal to an insurance company pay off?

Staying loyal to an insurance company does not necessarily reward you. I became a customer of a large insurance company with captive agents, but after ten years, I learned that my loyalty did not result in discounts and better prices. Learn from my experience and avoid paying higher insurance rates.

by  Stacy Varney on Jan 25, 2018

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How to prevent ice dam damage and an insurance claim

Cold winters combined with snow can be menacing for homeowners’ roofs. When ice forms on the ridges of a roof, it can trap the melting snow behind it creating an ice dam and lead to water damage. Proper insulation, ventilation and closing air leaks can keep your attic and roof cool and keep you claim free this winter.

by  Ryan Baillargeon on Jan 08, 2018

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Despite natural disaster concerns, homeowners aren’t making insurance changes

Despite massive natural disasters in 2017 — including Hurricane Irma and Hurricane Harvey — Clearsurance found that 42 percent of homeowners haven't taken steps to check their insurance coverage. Nearly 90 percent of homeowners are concerned a natural disaster could strike their home, though.

by  Todd Kozikowski on Jan 02, 2018

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2017 Natural Disasters Research: Are homeowners protecting their property?

Clearsurance conducted research to learn what consumers have done to better understand their homeowners insurance coverage after recent natural disasters.

by  Marcy Updike on Dec 13, 2017

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Do I need to purchase insurance for my engagement ring?

A renters or homeowners insurance policy typically covers jewelry, but only up to a certain limit. It’s usually best to buy a rider for an engagement ring. An option for those without insurance is to explore specialty jewelry insurers.

by  Ryan Baillargeon on Dec 04, 2017

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Top 5 ways to save money on your homeowners insurance premium

Do you pay too much for your homeowners insurance? Bundling your different insurance policies and raising your deductible are among the different ways to lower your homeowners insurance premium and get a more affordable rate.

by  Ryan Baillargeon on Nov 27, 2017

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Underage drinking and house parties: Am I liable for my guests?

Many states have “social host” liability laws, which clarify the responsibilities a homeowner accepts when alcohol is served to guests in a home. What these laws cover varies considerably from state to state, so familiarizing yourself with your state’s provisions before having a party is a good idea.

by  Jen Phillips on Nov 20, 2017

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My house was robbed - does my homeowners insurance cover it?

Standard homeowners insurance typically covers stolen items and damage to a home resulting from a break-in. But some expensive items, such as jewelry, require more coverage. Homeowners can purchase a rider for specific items to ensure they are properly covered.

by  Ryan Baillargeon on Nov 13, 2017

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How does your car insurance or homeowners insurance company rank?

Clearsurance helps eliminate some of the unknowns of making car insurance and homeowners insurance decisions with its crowdsourced rating and review platform.

by  Stacy Varney on Nov 09, 2017

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Renters may want to think twice before buying Amazon Key

Amazon Key, which allows delivery drivers access to a home, presents a security risk, especially for those without homeowners insurance or renters insurance.

by  Todd Kozikowski on Nov 09, 2017

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Don’t be tricked this Halloween — Top 5 insurance tips!

Halloween is designed to be fun, but what happens if your house is vandalized or your dog bites a trick or treater? Does your homeowners insurance cover this?

by  Todd Kozikowski on Oct 31, 2017

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What is earthquake insurance, and do I need it?

Earthquake insurance can sometimes be bought as an endorsement to your basic homeowners insurance, but typically it's necessary to purchase a separate policy.

by  Jen Phillips on Oct 23, 2017

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