Homeowners Insurance - What does your policy cover?

Many of us obtain our homeowners insurance when we purchase our home. After this initial purchase, we do not give this insurance another thought. It is not until the roof is damaged during a violent thunderstorm, a major appliance fails and floods our basement, or the neighbor's kid slips and fractures their wrist in our living room that we dust off the policy and ask ourselves, "Am I covered for this?" Don't wait until damage or an accident happens to discover what your insurance policy includes. Instead, you should have a good understanding of your policy and every year you should assess if your coverage should increase. The purpose of this article is to point out some general characteristics of homeowners insurance and help you determine if you have the right coverage. Obviously this cannot substitute for a consultation with your insurance provider, but it will give you a better idea of what questions to ask.

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Flood! How to prepare for, respond to and recover from a flood.

Experience is sometimes an unforgiving instructor. At Online Insurance, we learned about devastation caused by flood waters firsthand when Cedar Rapids, IA was hit by a massive flood June 13, 2008. Online Insurance is parented by enlighten technologies, inc.™ , which includes many other businesses such as LAWCHEK®, LawyersListings, and HouseList. Our headquarters in downtown Cedar Rapids was inundated with water after the Cedar River crested at 31.1 feet (19.1 feet over flood stage) to overtake 1,300 blocks of the city.* The first floor was completely lost and when the water reached 4 feet on the upper level, it was destroyed, as well. After a slow road to recovery, and upon reflection, we've written an article about what to do if a flood hits your home or business. We hope our readers never have to use the practical advice in this article.

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The Cleaner Home: Make Your Home Environmentally Green

The old days of harsh bleach and chemicals used to clean the house are slowly fading out. Along with this trend is a desire of many consumers to adopt more environmentally friendly products for their home. This can be anything from the new countertops and floors to the groceries purchased at the local supermarket. In addition to what you bring in (and take out) of your home, the maintenance of your home is another way to become more green. According to the energysavers.gov website, "Americans spend more than $160 billion a year to heat, cool, light, and live" in their homes. Every option may not be appealing and some may find their budget does not allow for all of the products available. However, a few home improvements and informed purchases can save you money in the long run and also provide a healthier home for your family and the planet.

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