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It's ironic that a document of such great importance to homeowners is one that they often don't consider until disaster strikes. Unfortunately, that's precisely the time when they discover that they're not covered for the things they desperately need when nature rears its...
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Having paid home insurance premiums for years without a claim, I have often wondered if such protection was necessary or useful. My views on such matters changed rapidly in recent weeks when a rental property attracted a brigade of firefighters.
There had been what was...
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First-time homebuyers are often brought up short by the lender's requirement that the property must be protected by "hazard" insurance, usually in an amount high enough to pay off the mortgage if the place burns down. Otherwise, the lending institution could be left with no...
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If you survived El Niņo-spawned floods last year you might not be so lucky with La Niņa this year.
El Niņo's sister weather system brings colder instead of warmer water ocean patterns, but she can pack a wallop of wet weather just as hard as her brother.
The National...
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If you have just insured your new home and paid a year's premiums in advance as required by many lenders, you may think you can forget about insurance for a while. But what if you are planning to remodel your home? Your liabilities may not be covered under your current policy....
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Hardly a day goes by without blaming something on El Nino. Rain in California. Must be El Nino. Hot air in Washington. What else? El Nino. Storms in Kansas and Iowa? You guessed it. El Nino.
Given the powerful, documented, certain impact of El Nino, life is certainly more...
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