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	<title>Best Insurance Blog and Articles &#187; Home Insurance</title>
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		<title>Top Homeowners Insurance Company Ratings By Customers &#8211; 2011</title>
		<link>http://bestquoteus.com/bestquotes/home-insurance/top-homeowners-insurance-company-ratings-by-customers-2011/</link>
		<comments>http://bestquoteus.com/bestquotes/home-insurance/top-homeowners-insurance-company-ratings-by-customers-2011/#comments</comments>
		<pubDate>Mon, 19 Sep 2011 13:11:08 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Home Insurance]]></category>
		<category><![CDATA[customer satisfaction]]></category>
		<category><![CDATA[customer service]]></category>
		<category><![CDATA[homeowners insurance]]></category>

		<guid isPermaLink="false">http://bestquoteus.com/bestquotes/?p=641</guid>
		<description><![CDATA[Which Homeowners Insurance Companies Do Customers Rate Well? Most of us shop for our home policies by price, or by the company that can offer us insurance discounts because of other business we can place with them. However, when push comes to shove, the insurer you want is the one that will really take extra steps when you do need to make a claim. It is simple enough to find the best homeowners insurance rates, but a little tougher to predict which insurer will have our backs when we need to make a claim, ask about our bills, or even just ask a question. We thought this would be a good time to give you a brief summary of the top rated homeowners insurance companies by customer satisfaction ratings. Storm season is coming up now. People on the coast are keeping a watchful eye on tropical storms and hurricanes. Meanwhile, people further north are getting ready for winter storms. This may be a good time for you to evaluate your own home policy! How Are Home Insurance Companies Rated? For a good customer satisfaction survey, we turned to the JD Powers Homeowners Insurance Customer Service Ratings. This company actually polls [...]
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<li><a href='http://bestquoteus.com/bestquotes/home-insurance/top-homeonwers-insurance-company-ratings-by-satisfaction/' rel='bookmark' title='Top Homeonwers Insurance Company Ratings By Satisfaction'>Top Homeonwers Insurance Company Ratings By Satisfaction</a></li>
<li><a href='http://bestquoteus.com/bestquotes/life-insurance/life-insurance-company-ratings/' rel='bookmark' title='Life Insurance Company Ratings'>Life Insurance Company Ratings</a></li>
<li><a href='http://bestquoteus.com/bestquotes/car-insurance/not-one-best-home-and-car-insurance-company-for-all/' rel='bookmark' title='Not One Best Home and Car Insurance Company For All!'>Not One Best Home and Car Insurance Company For All!</a></li>
</ol>]]></description>
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		<title>Can Your Homeowners Insurance Policy Save You From Foreclosure</title>
		<link>http://bestquoteus.com/bestquotes/home-insurance/can-your-homeowners-insurance-policy-save-you-from-foreclosure/</link>
		<comments>http://bestquoteus.com/bestquotes/home-insurance/can-your-homeowners-insurance-policy-save-you-from-foreclosure/#comments</comments>
		<pubDate>Mon, 18 Jul 2011 13:40:19 +0000</pubDate>
		<dc:creator>David</dc:creator>
				<category><![CDATA[Home Insurance]]></category>
		<category><![CDATA[unemployment]]></category>

		<guid isPermaLink="false">http://bestquoteus.com/bestquotes/?p=604</guid>
		<description><![CDATA[Little Known Home Policy Rider Protects Against Foreclosure These days, we have all been shocked by the number of US mortgage foreclosures against homes. For most of us, our home represents a lot more than just owning a building! It is the center of our lives, a source of pride, and possibly the biggest asset we have worked to call our own! Job Loss Mortgage Insurance There is actually a little known homeowners insurance rider that may help protect some people against the risk of foreclosure. This coverage does NOT come standard with a typical policy. It is an add-on option (rider) that some insurers offer. Read The Fine Print! The rider will pay some or all of the mortgage payments in the event of a job loss if certain conditions are met. These conditions will vary from policy to policy so be sure you fit the criteria before you decide to add it to your policy because there will be an extra charge for extra coverage! For example, the coverage may require the home owner to be employed for a specific amount of time, or to qualify for state unemployment benefits. Since not everybody will fit this criteria, the [...]
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<li><a href='http://bestquoteus.com/bestquotes/finance/insurance-tips/foreclosure-insurance/' rel='bookmark' title='Foreclosure Insurance'>Foreclosure Insurance</a></li>
<li><a href='http://bestquoteus.com/bestquotes/home-insurance/5-ways-to-save-big-money-on-your-home-insurance/' rel='bookmark' title='5 Ways To Save Big Money On Your Home Insurance'>5 Ways To Save Big Money On Your Home Insurance</a></li>
<li><a href='http://bestquoteus.com/bestquotes/home-insurance/buying-homeowners-insurance/' rel='bookmark' title='Buying Homeowners Insurance'>Buying Homeowners Insurance</a></li>
</ol>]]></description>
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		<slash:comments>2</slash:comments>
		</item>
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		<title>What To Remember About Home Insurance Policies</title>
		<link>http://bestquoteus.com/bestquotes/home-insurance/what-to-remember-about-home-insurance-policies/</link>
		<comments>http://bestquoteus.com/bestquotes/home-insurance/what-to-remember-about-home-insurance-policies/#comments</comments>
		<pubDate>Mon, 20 Jun 2011 00:31:24 +0000</pubDate>
		<dc:creator>FinanceGuy</dc:creator>
				<category><![CDATA[Home Insurance]]></category>
		<category><![CDATA[building]]></category>
		<category><![CDATA[home contents]]></category>
		<category><![CDATA[liability]]></category>
		<category><![CDATA[property]]></category>

		<guid isPermaLink="false">http://bestquoteus.com/bestquotes/?p=585</guid>
		<description><![CDATA[Did you just purchase a home policy from an agent, and then forget about it. Nobody really likes to talk about insurance, unless they are in the business! However, think about how important an asset your home is. How bad would it hurt you and your family if you did have damage without proper coverage in place? Maybe it is time to step back and remember the basics of homeowners insurance so you make sure you are properly covered.  This is important if you are a brand new home owner, of if you have already owned a home for quite a while. Consider a few things about home policies. For one thing, an ordinary policy does not just contain one kind of coverage. It contains multiple sections. They are for your actual building, liability, and the contents inside your home. Each of them can be very important, and it is important to make sure you have the right type and amount of coverage. Actual Buildings: The actual buildings are covered for damaged so they can be repaired or even rebuilt. Is your maximum rebuilding allotment correct? The cost to build a home, on your lot, may not be the same [...]
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<li><a href='http://bestquoteus.com/bestquotes/home-insurance/how-to-find-the-best-home-insurance/' rel='bookmark' title='How to Find The Best Home Insurance'>How to Find The Best Home Insurance</a></li>
<li><a href='http://bestquoteus.com/bestquotes/home-insurance/home-auto-discounts-are-often-the-best-choice-for-cheaper-home-insurance/' rel='bookmark' title='Home Auto Discounts Are Often The Best Choice for Cheaper Home Insurance'>Home Auto Discounts Are Often The Best Choice for Cheaper Home Insurance</a></li>
<li><a href='http://bestquoteus.com/bestquotes/home-insurance/free-home-inventory-software-online/' rel='bookmark' title='Free Home Inventory Software Online'>Free Home Inventory Software Online</a></li>
</ol>]]></description>
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		<title>Homeowners Insurance VS. Flood Insurance</title>
		<link>http://bestquoteus.com/bestquotes/home-insurance/homeowners-insurance-vs-flood-insurance/</link>
		<comments>http://bestquoteus.com/bestquotes/home-insurance/homeowners-insurance-vs-flood-insurance/#comments</comments>
		<pubDate>Sat, 21 May 2011 15:20:49 +0000</pubDate>
		<dc:creator>myfreeforum</dc:creator>
				<category><![CDATA[Home Insurance]]></category>
		<category><![CDATA[flood insurance]]></category>
		<category><![CDATA[national flood insurance]]></category>

		<guid isPermaLink="false">http://bestquoteus.com/bestquotes/?p=533</guid>
		<description><![CDATA[Does Homeowners Insurance Cover Floods? The spring seems like a good time to start alerting homeowners to the potential risks they may still face from floods, even with the best homeowners insurance company. That, of course, is the risk of water damage from floods, which may not be covered by a typical home policy. Of course, let me start off this article with usual disclaimers. It depends upon your policy! No article I write relieves you of reading the fine print, or asking your agent, to find out exactly what is covered by your own insurer and specific policy. Accident Related Water Damage Most of the time, water damage caused by some type of accident will be covered. If a pipe bursts in your home, the water damage is typically covered. There is some risk, though, that an insurer could determine that the damage was caused by your own negligance. Sometimes, like during a hard freeze, it is very difficult to anticipate this problem. But if you toilet pipe as been shaking or leaking for years, and you did not attend to it, it would not be hard to see how an insurer could throw the ball back in your [...]
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</ol>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Luxury Home Insurance &#8211; Needs Of The Rich</title>
		<link>http://bestquoteus.com/bestquotes/home-insurance/luxury-home-insurance-needs-of-the-rich/</link>
		<comments>http://bestquoteus.com/bestquotes/home-insurance/luxury-home-insurance-needs-of-the-rich/#comments</comments>
		<pubDate>Sat, 14 May 2011 16:11:11 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Home Insurance]]></category>
		<category><![CDATA[luxury]]></category>

		<guid isPermaLink="false">http://bestquoteus.com/bestquotes/?p=523</guid>
		<description><![CDATA[Rich People&#8217;s (Homes) Are Different As they say, the rich are different, and so are their needs for homeowners insurance policies. There is even a different name for these policies, called luxury home insurance. This type of coverage requires a lot more work in the appraisal and underwriting policy. Instead of a simple home appraisal which can rely upon home values of other houses in a neighborhood, these estimates of home worth may have to include very specialized items like million dollar kitchens or high value paintings. How is an appraiser to determine the replacement value of the priceless? In addition, there will usually not be cookie-cutter houses next door. So the appraiser cannot just look at a long list of previously sold homes for comps. Luxury Home Insurance May Require a Specialty Home Insurer A normal 20 minute appraisal or a drive-by will probably not be enough for a luxury home insurance underwriters. In fact, some specialty insurers concentrate in this market. An example would be the Chubb Insurance Group, who is reported to cover almost 2/3 of the of the Forbe&#8217;s 400 richest people.   This is not an endorsement of that particular company, just an example. The top large insurance [...]
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<li><a href='http://bestquoteus.com/bestquotes/home-insurance/home-auto-discounts-are-often-the-best-choice-for-cheaper-home-insurance/' rel='bookmark' title='Home Auto Discounts Are Often The Best Choice for Cheaper Home Insurance'>Home Auto Discounts Are Often The Best Choice for Cheaper Home Insurance</a></li>
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</ol>]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Lower Cost Mobile (Manufactured) Home Insurance</title>
		<link>http://bestquoteus.com/bestquotes/home-insurance/lower-cost-mobile-manufactured-home-insurance/</link>
		<comments>http://bestquoteus.com/bestquotes/home-insurance/lower-cost-mobile-manufactured-home-insurance/#comments</comments>
		<pubDate>Wed, 06 Oct 2010 15:52:06 +0000</pubDate>
		<dc:creator>David</dc:creator>
				<category><![CDATA[Home Insurance]]></category>
		<category><![CDATA[manufactured home]]></category>
		<category><![CDATA[mobile home]]></category>

		<guid isPermaLink="false">http://bestquoteus.com/bestquotes/?p=429</guid>
		<description><![CDATA[Mobile and Manufactured Home Insurance Mobile and manufactured homes are not exactly the same, but they tend to get grouped together in an insurnce discussion. Keep in mind that we are not discussing a little camper that goes in the back of a truck, but probably a fabricated and factory made structure that is usually stationary. One tip we found to tell if a home is a manufactured or true &#8220;mobile&#8221; home is to check and see if it has license tags. But that tip is for another discussion. We are looking for ways to find lower cost mobile home insurance, because in some areas, rates can get pretty high. People are attracted to fabricrated houses because of the lower cost. But because of a few things, insurers may see them as riskier to insure to regular &#8220;built&#8221; structures. One advantage to owners is that conforming to many of these ideas will also save them money in the long run too. But, as with any house, there are ways to get the best homeowners insurance rates. Some of these things have to do with the manufacture of the building while some have to do with extra things that owners can do to [...]
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<li><a href='http://bestquoteus.com/bestquotes/home-insurance/luxury-home-insurance-needs-of-the-rich/' rel='bookmark' title='Luxury Home Insurance &#8211; Needs Of The Rich'>Luxury Home Insurance &#8211; Needs Of The Rich</a></li>
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</ol>]]></description>
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		<title>Condo Insurance Policies vs. Homeowners Insurance</title>
		<link>http://bestquoteus.com/bestquotes/home-insurance/condo-insurance-policies-vs-homeowners-insurance/</link>
		<comments>http://bestquoteus.com/bestquotes/home-insurance/condo-insurance-policies-vs-homeowners-insurance/#comments</comments>
		<pubDate>Sun, 08 Aug 2010 18:13:46 +0000</pubDate>
		<dc:creator>FinanceGuy</dc:creator>
				<category><![CDATA[Home Insurance]]></category>
		<category><![CDATA[condo insurance]]></category>
		<category><![CDATA[condominium]]></category>

		<guid isPermaLink="false">http://bestquoteus.com/bestquotes/?p=413</guid>
		<description><![CDATA[Condo Owners Insurance vs. Traditional Homeowners Insurance Yes, you own your condominium , but the nature of that unit is a bit different than a traditional free standing home. So your condo owners insurance will be a bit different than traditional homeowners insurance. And this will also be a bit different than a renters policy if that is what you were used to before. You own your unit, but it is within a buidling that shares some common structures with the whole building. That building is probably managed by some type of conominium association. This association will have a policy that covers common areas. So, your policy will not cover the common areas or building that are covered by the association policy. This answer may seem sort of evasive, but that is because this may differ in different states or, even, in different condominium buildings.  A common roof or swimming pool may be covered by the building association policy, while your own internal fixtures or personal property would be covered by your owner&#8217;s policy. There may also be other exclusions to your policy, but these will be determined by the particular insurer you use and how you structure your policy. [...]
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</ol>]]></description>
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		<item>
		<title>Best Auto and Home Insurance Discounts</title>
		<link>http://bestquoteus.com/bestquotes/home-insurance/best-auto-and-home-insurance-discounts/</link>
		<comments>http://bestquoteus.com/bestquotes/home-insurance/best-auto-and-home-insurance-discounts/#comments</comments>
		<pubDate>Sat, 31 Jul 2010 15:41:37 +0000</pubDate>
		<dc:creator>David</dc:creator>
				<category><![CDATA[Home Insurance]]></category>
		<category><![CDATA[auto home discounts]]></category>
		<category><![CDATA[home insurance discounts]]></category>

		<guid isPermaLink="false">http://bestquoteus.com/bestquotes/?p=410</guid>
		<description><![CDATA[Maximize Your Insurance Discounts For The Best Auto and Home Insurance! Sure, you probably knew that the larger insurers would give you a good auto and home insurance discount, but did you know this could be maximized for the largest savings from the top companies? And, did you know that you do not have to be a homeowner, in the traditional sense, to take advantage of these savings? Renters, condo owners, and landlords can also benefit! If you have another type of home, you may be more interested in reading about mobile home insurance discounts here. How Much Are Auto and Home Discounts? Look at some typical figures from major insurers. Keep in mind that insurers are different, and your rates and discounts will surely vary. That&#8217;s why it pays to shop around! For a home owner (house), condo owner, or a renter who also places an auto insurance policy, savings should be about 15%. Protective devices (burglar, fire alarms, etc.) can save an additional 15%. Renovations or New Construction &#8211; You may save another 15% for renovations or construction that is fire resistant. 55+ Discounts &#8211; Some insurers will shave off 10 &#8211; 15 percent for customers who are [...]
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</ol>]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How to Find The Best Home Insurance</title>
		<link>http://bestquoteus.com/bestquotes/home-insurance/how-to-find-the-best-home-insurance/</link>
		<comments>http://bestquoteus.com/bestquotes/home-insurance/how-to-find-the-best-home-insurance/#comments</comments>
		<pubDate>Mon, 26 Apr 2010 18:13:29 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Home Insurance]]></category>
		<category><![CDATA[discounts]]></category>
		<category><![CDATA[homeowners]]></category>
		<category><![CDATA[landlord]]></category>
		<category><![CDATA[property]]></category>
		<category><![CDATA[renters]]></category>

		<guid isPermaLink="false">http://bestquoteus.com/bestquotes/?p=330</guid>
		<description><![CDATA[Buy The Best Homeowners Insurance For You! Most of us consider our homes as our biggest asset. They provide a center for our family life, a place to sleep at night, and are something that we may spend decades paying off. Because homes are so important, homeowners must be sure to protect them with the best insurance. Of course, while we all want top quality coverage, none of us want to pay to much for it! So let&#8217;s look at things to consider while shopping for the best homeowners insurance rates from a top company. What Is Good Homeowners Insurance? I cannot tell you which one insurance company will be the best one for everybody. Companies, and even particular policies, are regional. Insurance is regulated at the state level, and sometimes your zip code can determine which options you will have. What I can do is to help you figure out what you want to look for when you are covering your home. Customer Service is Important! Most of us pay premiums every month, hoping we never have to make a claim. But when we do need our insurer to help us, we want the claims process to be fast [...]
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		<title>Real Costs of Home Ownership</title>
		<link>http://bestquoteus.com/bestquotes/home-insurance/real-costs-of-home-ownership/</link>
		<comments>http://bestquoteus.com/bestquotes/home-insurance/real-costs-of-home-ownership/#comments</comments>
		<pubDate>Tue, 13 Apr 2010 13:12:30 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Home Insurance]]></category>
		<category><![CDATA[homeowners insurance]]></category>
		<category><![CDATA[owning vs renting]]></category>
		<category><![CDATA[renters insurance]]></category>

		<guid isPermaLink="false">http://bestquoteus.com/bestquotes/?p=320</guid>
		<description><![CDATA[How Much Does it Really Cost to Own A Home? Even now, we still see ads that you can own a home for the same amount of money you pay in rent. Well, since nobody who writes these ads knows exactly how much you pay for rent, or what you would pay for the home you want to purchase, it is important to examine this claim. Is owning a home really as cheap as renting? They usually compare your mortgage to your rent payment. For instance, I have seen ads that claim your monthly payment will only be $750 a month, and now you might be paying $1,000 a month to rent a larger apartment or small home in an average area. But is that $750 monthly mortgage payment all you need? Here are some of the basic costs of home ownership: Homeowners Insurance &#8211; This will, of course, vary by many factors. Your area, size and value of your home, etc., will determine your actual rates. Of course, the actual insurer will set your premium based upon its underwriting and the type and amount of coverage you have. But let us just say your homeowners insurance will cost about [...]
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