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How to File a Home Insurance Claim: Top 6 Steps

Nobody ever wants to have to make a home insurance claim. But if you ever need to, you’ll be glad you have coverage. Whether you’re dealing with water damage from a storm, an injury on your property or even burglary, homeowners insurance is there when you need it.  According to a Consumer Reports study on home insurance claims, about 41 percent of people with claims over $30,000 encountered an issue. In fact, compared to other types of insurance, home insurance claims are the most likely to be rejected. Having an insufficient coverage level accounts for a large portion of these denials. The prospect of actually filing a claim, though, can seem overwhelming. Make sure to follow these steps to help the process go as smoothly as possible. Home Insurance Claim Steps Call the Police If Necessary If you were the victim of a crime such as personal property damage or…

Home and Auto Insurance Policy Basics

Summer is a busy time when people are on the move. But even if you aren’t getting a new address, it’s the perfect time to review home and auto insurance basics to make sure you have the right insurance coverage for you.  Before you get started, it’s helpful to understand home and auto insurance basics. We’ve outlined them for you below so you will be in-the-know when you talk to your SelectQuote licensed agent.  Auto Insurance Comprehensive Coverage Sometimes accidents happen. Maybe it’s a natural disaster, such as a flood, tornado or earthquake. Or maybe your car was damaged while parked at the store, stolen or vandalized. Whenever damage occurs, such as non-impact physical damage, theft and unoccupied accidents, comprehensive coverage covers your loss Liability Coverage Liability only is when a policy only includes coverage for bodily injury liability and property damage liability. It protects the people in the other car…

How to Find the Best Homeowners Insurance in Kansas

The national average for homeowners insurance premiums is $1,083 but the Kansas average is nearly $500 higher at $1,548. Kansas ranks second in the nation for tornados each year and tornados account for a major share of catastrophe losses because of their frequency but it is the wind and hail damage that really impact the price Kansans’ pay for homeowners insurance. Because of the regularity of wind and hail racing across the Kansas plains, it’s especially important to have thorough homeowners insurance coverage. There were more than $808 million worth of insurance claims issued in Kansas last year. It’s clear there are plenty of severe weather events that require widespread homeowners insurance protection. Find the Best Homeowners Insurance in Kansas Shopping for a great homeowners insurance policy in Kansas doesn’t have to be challenging. Your SelectQuote agent will work with you to find a home insurance policy that works best…

How to Find the Best Homeowners Insurance in Georgia

As the country’s top producer of peanuts, pecans and peaches, Georgia knows a thing or two about delicious treats. But what isn’t so sweet is the cost of homeowners insurance in Georgia. The average homeowners insurance premium in Georgia is $1,200. The national average comes in at $1,083. Having the right homeowners insurance in Georgia is essential. Higher than average homeowners insurance premiums in Georgia may be attributed to devastating weather events. Because Georgia has more than 2,000 miles of coastline, it is in a prime location for hurricane and wind damage to homes. Sea level is rising more rapidly in Georgia than along other coast because land is sinking. Combined with an increase in intensity in tropical storms over the past 20 years, Georgia residents have some strikes against them when it comes to the price to pay for homeowners insurance. It’s important to protect your home and its…

Best Homeowners Insurance in California

Homeowners insurance in California is important protection for your home and its assets. It’s an expense that also impacts your budget. The national average for an annual home insurance premium is $1,083. In California, the average annual home insurance premium is $1,000.  Californians are used to paying more for things but the average homeowners insurance premium is slightly lower than the national average. However, that is changing. The surge in wildfires is contributing to increase in insurance premiums. According to Verisk’s 2017 Wildfire Risk Analysis, 2 million home were classified in California at high or extreme risk of wildfire. Wildfire losses added up to more than $5 billion over the past decade. As the state with the largest population, California is home to several large cities and varied landscapes, including mountains and desert. In addition to wildfires, earthquakes, drought, landslides and flooding are natural disasters that can impact home insurance…

Best Homeowners Insurance in Texas

The adage everything is bigger in Texas also includes homeowners insurance premiums. Homeowners insurance in Texas are among the top 10 most expensive in the United States. Homeowners insurance in Texas is important protection for your home and its assets. In Texas, the average annual home insurance premium is $1,937. That figure is quite a bit higher than the national average for an annual home insurance premium of $1,083. High homeowners insurance premiums in Texas can be attributed to an abundance of severe weather events, including floods, tornados and even hurricanes that punished the state over the last few years. Texas falls behind California as the second largest economy in the United States. The economic impact of natural disasters, such as 2017’s Hurricane Harvey, totaled $190 billion. With a large land area and the second most populous state behind California, the Texas countryside and cityscapes vary from arid in the…

How to Get a Free Home Insurance Quote

Whether you’re closing on the purchase of a home or trying to reduce insurance costs, getting home insurance quotes tops your to-do list. But, before you pick up the phone or go online to shop for homeowners insurance, do your homework. Having information about your house readily available saves time when speaking with an agent or filling out forms online. While no one likes to spend time researching or paying for a product they hope never to use, protecting your financial future and one of your most significant investments – your home – is priceless. Let’s review what you’ll need to receive your free home insurance quote. The more prepared you are before you start, the faster the process will be. Shopping For Homeowners Insurance Sue Callies, regional coaching manager at SelectQuote, recommends obtaining at least three home insurance quotes to compare. She explains an accurate home insurance quote takes…

Shopping for Homeowners Insurance? What you Need to Know

Whether you are purchasing your first home insurance policy or seeking to update your coverage, talk with your SelectQuote agent to make sure you’ve got your bases covered. Things may seem complicated, even with a basic understanding of how home insurance coverage works. It makes sense to have questions for an expert when you shop for homeowners insurance. Here are five important questions to ask your SelectQuote agent about homeowners insurance. Does my homeowners insurance policy cover replacement cost or the actual cash value? Insurance agents strongly suggest replacement cost policies. However, some homeowners purchase actual cash value policies because they cost less. Saving money upfront may cost significantly more in the end. Actual cash value policies figure in depreciation so you won’t get the same amount back you paid. Sue Callies, regional coaching manager at SelectQuote explains if you choose cash value and not replacement coverage and have to…

What are the Benefits of Bundling Home and Auto Insurance?

We’ve all seen the ads. Whether in a museum of inexplicable accidents or a fitness class where alter egos debate coverage, the messaging often includes: Bundle your home and auto insurance.  But should you? It often leads to greater savings and better service. Let’s explore why. Most Carriers Offer Multiple Products Bundling home and auto policies provides a good deal for most. If you can get a single stop for your insurance needs — and save money — who wouldn’t?  Aside from financial savings through companion discounts by purchasing multiple policies, a single carrier can save you time. Bundling Policies Should Save Money For bundling to make sense, combining your home and auto insurance under a single carrier should save you some money. Often called a multi-policy or companion discount, bundling home and auto insurance can save you as much as 20 percent to 30 percent on premiums than if you purchased…

Disaster Strikes Your Second Home: Are You Prepared?

Once you decide you’re financially ready to buy a vacation home, one important step is insuring your new pad. It’s different than buying insurance for a primary residence. Factors such as where it’s located, who stays there and what amenities are available will help determine your home insurance needs. Your Vacation Home Versus Mother Nature For many people, the whole idea of a vacation home is to be closer to a sandy beach or among the crisp mountain air. That perfect location for rest and relaxation may come with some additional insurance costs. Hurricane season and intense rainstorms underscore the importance of knowing your coverage. The point applies to primary residences and vacation homes. When hurricane Florence hit in September 2018, more than 30 million people were under a flood watch and media outlets reported only about 3 percent of North Carolina and South Carolina homeowners held insurance policies.  And…

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