Insurance Guide

What is the value of home insurance? This is the first question that homeowners and renters ask insurance agents. For homeowners the benefits are the protection of your house, assets and personal property and for renters, home insurance provides protection for your personal possessions. Both renters and homeowners are protected by home insurance from exposure [...]

Homeowners who do not review their insurance needs after their mortgage is approved may be in for a rude awakening if disaster should strike: they may discover that they are unprotected because the amount of home insurance they have is not enough. The home insurance policy that was used to approve your mortgage is only [...]

To the average homeowner the workings of home insurance are a mystery, but there is a science behind the way home insurance rates are calculated. It is the job of the actuary to determine the total amount of premiums insurance companies must receive.