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Which to Do First When Remodeling the Kitchen: The

Which to Do First When Remodeling the Kitchen: The Countertops or New Appliances?. Few remodeling projects modernize the feel of a house more than an updated kitchen. Shiny new appliances and new

Actived: Saturday Jan 16, 2021

URL: https://homeguides.sfgate.com/first-remodeling-kitchen-countertops-new-appliances-50213.html

What to Look for in Homeowners Insurance | Home Guides

Details: The standard HO-3 insurance policy usually covers your home's contents for up to 50 to 70 percent of the policy value, the Insurance Information Institute states: A $100,000 damage policy will

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Insurance for a Newly Built House | Home Guides | SF Gate

Details: Insurance Options. A standard homeowners insurance policy covers damage to the home and theft. The policy will also provide you with liability coverage, protecting you from a lawsuit.

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Things to Consider when Buying Homeowners Insurance | Home

Details: Homeowners insurance is a virtual requirement when buying a home. In most cases, your mortgage lender requires that you obtain home insurance before closing on a purchase. Even if you are one of

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Homeowners Insurance: The Problems | Home Guides | SF Gate

Details: Homeowners Insurance: The Problems. A home is the largest purchase most people will ever make. Besides representing a substantial portion of your net worth, your home can be central to the life of

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Why Is Homeowners Insurance Important? | Home Guides | SF Gate

Details: Paying for homeowners insurance makes some people cringe. Shelling out money month after month for an intangible product can feel like pouring water into the sand. Insured owners living in prime

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Qualifications for Homeowner's Insurance | Home Guides

Details: Qualifications for Homeowner's Insurance. When homeowners seek to purchase insurance, they turn to insurance agencies for coverage. Insurance agencies, though, are looking for more than a monthly

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What Claims Can I Make on My Homeowners Insurance? | Home

Details: Homeowners insurance can protect you against losses involving your home and personal property. Several types of homeowners policies are available, each with their own terms, policy limits and

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What Is the Average Cost of Renter's Insurance? | Home

Details: The insurance company calculates the risk of providing insurance to the renter and assesses a rate for the policy. Theft of property, loss resulting from a fire or damage to property can all be

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Home Warranty vs. Homeowner's Insurance | Home Guides | SF

Details: Homeowner's Insurance. Homeowner's insurance covers against damage and loss caused by fire, wind, hail, fallen tree and other natural acts, as well as by theft and vandalism.

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Are Appliances Covered Under Homeowners Insurance Policies

Details: Insurance companies experience a spike in claims during storms. An examination of the appliance will likely reveal the cause of the damage. Power Failure.

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Hazard Insurance Policies | Home Guides | SF Gate

Details: Hazard Insurance Policies. For most people, the terms hazard insurance and homeowner’s insurance are interchangeable, since their homeowner’s insurance policy includes their hazard insurance

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Why Do We Need Homeowners Insurance? | Home Guides | SF Gate

Details: Hazard Insurance. Hazard insurance protects you against unintentional damage or destruction to your house or its contents, including fire, storm, theft, vandalism and similar threats, the Nolo

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What Types of Insurance Do Landlords Need? | Home Guides

Details: Insurance premiums can be expensive, but not as costly as lacking the coverage when you need it. Basic Protection. Basic landlord's insurance will cover the main improvements on your land

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What Does Homeowner's Fire Policy Insurance Cover? | Home

Details: What Does Homeowner's Fire Policy Insurance Cover?. When your home burns, homeowner's insurance can cover the cost of rebuilding it. Homeowners usually buy either HO-2 insurance, which protects

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Mortgage Insurance Regulations | Home Guides | SF Gate

Details: Mortgage Insurance Regulations. Mortgage insurance regulations pertain to both conventional and government-insured mortgages. When you buy a home or refinance a loan in excess of 80 percent of the

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Can an Insurance Company Cancel Your Homeowners Insurance

Details: There are different types of residential property insurance, including homeowners and rental property insurance. Homeowners insurance, which is intended to cover owner-occupied housing, features

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Do Homeowners Insurance Policies Cover Mold Remediation

Details: Insurance policies rarely cover mold not caused by accidents and acts of God; this poses a problem for homeowners facing an expensive repair and remediation. The growing expense of mold repair is

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Purpose of Mortgage Insurance | Home Guides | SF Gate

Details: Purpose of Mortgage Insurance. Many loan defaults result from borrowers with poor credit and falling home prices. To protect against losses from loan failures and foreclosures, banks require

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What Do You Do When Homeowners Insurance Is Canceled

Details: Cancellations and Non-Renewals. Your homeowners insurance company may cancel or not renew your insurance policy for non-payment, fraud, misrepresentation or physical changes to the property.

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Why Does My Homeowner's Insurance Company Keep Increasing

Details: Why Does My Homeowner's Insurance Company Keep Increasing the Value of My Home?. If your home burns down, or your pipes burst and flood your house, homeowner's insurance is what picks up the check

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Mortgage Insurance Requirements | Home Guides | SF Gate

Details: Mortgage insurance companies will insure only residential property. If the building is a commercial property, it most likely will not be eligible for mortgage insurance. They also look at where

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The Effects of Having No Homeowners Insurance | Home

Details: Insurance pays valid claims against the homeowner up to the policy limit. Without insurance, the homeowner has to pay out of pocket. The effect of this obligation is potentially devastating.

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Why Do You Need Renter's Insurance? | Home Guides | SF Gate

Details: Benefits. Renter's insurance pays if your personal property--furniture, books, PS3, clothes--is damaged by a list of "named perils," MSN Money Central states.

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Flood Insurance Guidelines | Home Guides | SF Gate

Details: Flood Insurance Guidelines. If you are obtaining a mortgage on a property that lies within a flood zone, the bank is required by law to call for flood insurance before making the loan. This type

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Homeowners Insurance Versus Rental Property Insurance

Details: Insurance Deductibles. Both homeowners and rental property insurance normally offer deductible options to lower their costs. A deductible is the money you pay to cover a loss or damage to your

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Mortgage Insurance FAQ | Home Guides | SF Gate

Details: Mortgage Insurance FAQ. Mortgage insurance is an insurance policy that protects lenders by assuming a portion of the lender's risk on a mortgage loan. For instance, if a borrower does not pay his

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Dog Types That Affect Homeowners Insurance | Home Guides

Details: Dog Types That Affect Homeowners Insurance. We consider our dogs as beloved family members, but the companies who insure our homes do not share our affection. Pets referred to as "home insurance

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Condo Association Insurance Vs. Condo Unit Owners

Details: Individual Insurance. Individual condo owners must insurie against accidents and damages occurring inside their units. For example, if your kitchen walls are damaged by a grease fire on your stove

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Who is the Insured in a Homeowner's Policy? | Home Guides

Details: The named insured in a homeowners policy is the legal owner of the home, that is, the names found on the deed to the property. No other insureds are included under a homeowners policy.

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How to Buy Condo Insurance | Home Guides | SF Gate

Details: Liability insurance is a world-wide coverage extending protection to the policyholder for the accidental injury or harm to another's person or property. This covers accidents caused both within

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Will Insurance Cover a House With a Fireplace? | Home

Details: An insurance company may lower the cost of your premiums if an older fireplace or wood burning stove passes an inspection based on current building codes even if the stove was installed long ago

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Problems With Insuring Log Homes | Home Guides | SF Gate

Details: Problems With Insuring Log Homes. Finding an insurance carrier willing to extend you affordable insurance for your log cabin may come down to the type of construction used to build your log cabin

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What Does FHA Insurance Cover? | Home Guides | SF Gate

Details: FHA insurance works a bit differently. FHA loans issued before July 3, 2013, follow the same rules as traditional PMI. If you took out your FHA loan after July 3, 2013, your insurance rules depend

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Can I Get Homeowners Insurance if I Declare Bankruptcy

Details: California Insurance Code 660 through 669.5 limits the reasons an insurance company can cancel your policy after the first 60 days lapse: nonpayment, fraud, misrepresentation, or physical changes

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Does Homeowners Insurance Cover Damage From Falling Tree

Details: Does Homeowners Insurance Cover Damage From Falling Tree Limbs?. The rain is pouring. The wind is howling. And suddenly, you hear a huge crash and a roar that sounds like the roof gave way. The

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How to Cancel a Homeowners Insurance Policy | Home Guides

Details: Homeowners insurance also reimburses the insured for theft losses. California law allows each insurance company to set its own rates, so rates vary based on each company's loss history.

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Does Homeowners Insurance Cover Stolen Equipment? | Home

Details: Homeowners insurance is all about providing you peace of mind and helping you spring back from disasters. While theft of equipment from your home may be covered by your policy, the availability of

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Will a Homeowners Policy Pay if the Owner Is Not Occupying

Details: Let the Insurance Provider Know. Failing to disclose the accurate occupancy status might mean you have the wrong type of coverage and you're violating terms of your current homeowners policy.

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How to Claim Fence Damage on Homeowners Insurance | Home

Details: Most homeowners insurance policies cover fence damage, unless stated otherwise. In California, your claim history impacts your premium and eligibility to obtain insurance. Evaluate the damage to

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How to Insure Vacant Land | Home Guides | SF Gate

Details: 4. Speak to an insurance broker or provider if you have vacant land in multiple locations. Californian insurance agency Bains and Woodward advises that several lots may be put onto a single policy

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If I Do Not Live in My House Can My Insurance Deny My

Details: Insurance is all about risk. So, it makes sense that insurance companies don't like vacant houses. When you move out of your house, you increase the risk of a claim. The insurance company may deny

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Does Homeowner Insurance Cover a Fallen Tree on my Fence

Details: The insurance company will assess the damaged fence, determine how much it will pay, based on the damage and any policy caps, then pay for the repair. References.

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Can Your Mortgage Company Force You Into Buying Flood

Details: Flood insurance is a federal program that permits lenders to force borrowers to purchase this coverage, even if it's not required by government regulation. National Flood Insurance Program.

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The Impact of Burglary Reports on Homeowners Insurance

Details: The purpose of homeowners insurance is to protect a homeowner from financial loss. Theft coverage is available with homeowner’s insurance so that you can replace personal property that is lost

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Is Homeowners Insurance Higher for Rental Properties

Details: Generally, insurance providers see the insurance of a landlord’s property which he intends to rent as a higher risk because the policy holder does not intend to reside at the property.

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What Happens to My Escrow If I Refinance? | Home Guides

Details: All the property taxes and insurance you have made to that date, since the last payment was made, will be returned to you within 45 days via wire transfer or check. Using Old Escrow Funds.

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Does PMI Come Out of Escrow? | Home Guides | SF Gate

Details: Private mortgage insurance, or PMI, eases the pain for your mortgage lender when it approves a loan with a lower down payment. PMI becomes necessary if you put down less than 20 percent on the

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Why Is a Manufactured House More Expensive to Insure

Details: Lowering Your Insurance Costs. Many homeowners insurance providers offer manufactured home policies with incentives to lower premiums. For example, improving the safety and security of a

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When Does PMI Fall Off on FHA Mortgages? | Home Guides

Details: FHA Mortgage Insurance. FHA mortgages are insured against borrower default. FHA partially funds the insurance accounts from which it pays out for borrower defaults from the MIP payments made by

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