Homeowner Insurance Archives - Home & Auto Insurance Pasadena CA

18 September 2024 Massive Insurance and Financial Services, LLC. Category: Homeowner Insurance

AC Coverage: Is It Included in Homeowners Insurance?

Summer heat can be brutal, and a malfunctioning air conditioner can turn your home into an uncomfortable sauna. When this happens, it’s natural to wonder if your homeowners insurance will cover the cost of repairs or replacement. Let’s dive into the details. Does Homeowners Insurance Cover AC Units? The short answer is: it depends. Homeowners insurance typically covers damage to your AC unit caused by specific covered perils. These perils often include: Fire: If your AC unit is damaged in a house fire, your homeowners insurance may cover the cost […]

Does homeowners insurance provide coverage for swimming pool

24 July 2024 Massive Insurance and Financial Services, LLC. Category: Homeowner Insurance

Are Pools Covered Under Homeowners Insurance? Understanding Coverage Options

Sparkling water, a refreshing dip on a hot day – owning a swimming pool can add a touch of luxury and enjoyment to your home. But before you start diving, it’s crucial to understand how homeowners insurance interacts with swimming pools. Let’s explore whether homeowners insurance covers pools, the types of coverage available, and how to protect your pool properly. Does Standard Homeowners Insurance Cover Pools? While some basic damage to your pool may be covered under your existing homeowners insurance policy, it’s not always guaranteed. Here’s a breakdown of […]

8 May 2024 Massive Insurance and Financial Services, LLC. Category: Homeowner Insurance

Save Money on Big Claims: Understanding Waivers of Deductible in Homeowners Insurance

Homeownership brings immense joy, but it also comes with responsibilities. One crucial responsibility is safeguarding your property with homeowners insurance. A key element of any homeowners policy is the deductible – the initial amount you pay out of pocket before your insurance kicks in. While deductibles help keep premiums lower, facing a large deductible during a major claim can be a financial burden. What Is a Waiver of Deductible? A waiver of deductible is a clause in your homeowners insurance policy that waives your deductible under specific circumstances. This essentially […]

27 March 2024 Massive Insurance and Financial Services, LLC. Category: Homeowner Insurance

How to Successfully Switch Homeowners Insurance Provider

As a homeowner, your insurance needs may evolve, prompting the decision to switch providers for better coverage, improved customer service, or cost savings. Let’s walk you through the essential steps to successfully switch homeowners insurance, ensuring a smooth and seamless transition. Evaluate Your Current Policy: Before making any decisions, review your existing homeowners insurance policy. Take note of your coverage limits, deductibles, and any specific endorsements you may have. Understanding your current policy details is crucial for making informed choices when comparing quotes from potential new providers. Assess Your Coverage […]

18 October 2023 Massive Insurance and Financial Services, LLC. Category: Homeowner Insurance

7 Key Tips On How to File a Homeowners Insurance Claim

If you’ve ever experienced damage or loss to your home, you understand the importance of having a reliable homeowners insurance policy. However, knowing how to navigate the claims process can be equally crucial. Here are seven essential tips to help you file a homeowners insurance claim smoothly and efficiently. Document the Damage: The moment you discover any damage, whether due to a natural disaster, theft, or other unforeseen circumstances, start documenting it. Take clear, high-resolution photos and videos of the affected areas or items. This visual evidence will serve as […]

Use and saving on high deductible homeowners insurance

14 June 2023 Massive Insurance and Financial Services, LLC. Category: Homeowner Insurance

Is High Deductible Homeowners Insurance Worth It? Exploring the Potential Savings

Finding the right policy that fits your needs and budget is crucial for homeowners insurance. One option that householders often consider is high-deductible homeowners insurance. This type of insurance can save you money in the long run, but it’s important to understand how it works and what are the potential problems that may arise. How High Deductible Homeowners Insurance Works High-deductible homeowners insurance works by providing coverage for your home and belongings in the event of specified perils or damages but with a higher deductible amount than traditional homeowners insurance […]

when should you cancel home insurance while selling home

8 February 2023 Massive Insurance and Financial Services, LLC. Category: Homeowner Insurance

When Should Home Sellers Cancel Their Homeowners Insurance?

Selling your home can be a stressful process. One of the most critical steps of the selling process is cancelling your homeowners insurance. Cancelling your policy can have financial and legal implications, so it is important to know when and how to cancel your policy. This blog will discuss when you should cancel your homeowners insurance and how to do it. Do I Need to Cancel Home Insurance When Selling a House? When selling your home, you may wonder if you need to cancel your homeowners insurance. The answer is […]

Homeowners insurance coverage for foundation issues

11 January 2023 Massive Insurance and Financial Services, LLC. Category: Homeowner Insurance

Does Homeowners Insurance Cover Foundation Repairs?

Are you a homeowner wondering if your insurance policy will cover foundation repairs? The answer is not always straightforward. Homeowners insurance covers repairs for sudden and accidental events, but it may not cover repairs that are needed due to normal wear and tear. In this blog, we will explore when insurance may cover repair costs related to foundation issues and when they may not be covered. Foundation problems can be costly to repair, so you’ll want to know if your insurance policy covers these types of repairs. The answer depends […]

23 November 2022 Massive Insurance and Financial Services, LLC. Category: Homeowner Insurance

Why Is My Homeowners Insurance Cost Increasing?

Home insurance is a necessity if you plan on protecting your investment. Nonetheless, your homeowners insurance cost will rise in response to changes in the economic market. In most cases, the increase is gradual and you may not feel the strain for quite some time. However, in recent years, prices have gone up at a much faster rate causing one to feel the sting rather quickly. Maintaining the Inflation Guard Part of the reason your homeowners insurance cost seems to have skyrocketed is due to the inflation guard. The inflation […]

14 September 2022 Massive Insurance and Financial Services, LLC. Category: Homeowner Insurance

Does Your Homeowners Insurance Cover Plumbing Issues?

Your homeowners insurance frequently covers unexpected and accidental losses, such as spontaneous pipe ruptures. However, it won’t cover gradual, continuous slab leaks or other issues brought on by carelessness or poor maintenance. Although homeowners insurance covers several plumbing issues, it often does not cover water damage that might have been avoided, such as gradual leaks or frozen pipes in an unheated home. Furthermore, homeowners insurance is unlikely to cover the cost of removing or remediating mold resulting from avoidable water damage. What Homeowners Insurance Covers Plumbing-Related Issues? Your homeowners insurance […]

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