What Impacts Your Home Insurance?

calculating home insurance premiums

It’s that time of year again when your home insurance renewal is due. Have you been thinking about what impacts the cost of your premium? The answer may be a bit surprising to some people – it isn’t just location. There are three main factors that go into determining the cost of your home insurance […]

Top 3 Risks of Not Having Home Insurance

a young family with home insurance

Homeowners need to ask themselves what would happen in the event of a fire, burglary, or any other unforeseen damage to their home or personal belongings. What would they be facing if they did not have the financial protections of homeowners insurance? Although homeowners insurance isn’t required by law, almost all mortgage companies are going […]

Will My Homeowners Insurance Cover My Pets?

Does homeowners insurance cover my pet?

Does homeowners insurance cover my pet? This is one of the most common questions that we receive. Homeowners insurance does not typically cover pets, but they can provide liability protection if someone takes legal action against you for injuries caused by your pet. Below are some important topics to consider when looking into homeowners’ insurance […]

Homeowners Insurance: What Is and Is NOT Covered?

what does homeowners insurance cover?

Your homeowners insurance will cover the cost to rebuild your house or repair damages caused by covered events. You can purchase additional coverage for threats that are not already covered, such as floods and earthquakes, and you can purchase coverage for valuable possessions or the full replacement cost for your belongings. Policies will vary. To […]

How Many Home Insurance Quotes Should I Get?

finding home insurance and getting quotes

You should get at least five home insurance quotes, to make sure you have a fair price and can compare coverage. Malhotra & Assoc. Insurance agents can find you a policy suited to your individual needs at the right price. Contact us today. Home Insurance Quotes These quotes are estimates of the premiums you would […]

Do Renovations Increase Home Insurance Rates?

will renovations increase home insurance rates?

Have you been considering home renovations? If so, have you wondered if those home improvements will have an impact on your home insurance rates? In this blog, we will examine the correlation between home renovations and home insurance rates. We’ll look at what homeowners should know before they decide to renovate their homes, as well […]

What is the Difference Between Home Warranty and Home Insurance?

home insurance vs. home warranty

Homeowners insurance and a home warranty work in different ways, but both provide protection for your home. Homeowners insurance can help protect against disasters such as flooding and fire. A home warranty covers the cost to repair or replace your home’s major systems, like plumbing and heating/cooling. When deciding which of these two types of […]

Does Homeowners Insurance Cover Car Theft?

will homeowners insurance cover car theft?

Do you have home insurance? Does your homeowners policy cover your car if it’s stolen from your driveway? This is a very good question! We’ve created this article to help you understand whether or not home insurance covers car theft. When Homeowners Insurance Will NOT Cover Car Theft If you have home insurance and your […]

Is a Home Inspection Required to Get Homeowners Insurance?

home inspection may be need with homeowners insurance

What’s Involved with a Home Inspection? A home inspection is a thorough examination of your home by an expert to determine the home’s current condition. It usually takes about three hours and costs around $300-$500 depending on where you live, the square footage of your home, and the age and condition of your home. The […]

What to do After a Homeowners Insurance Cancellation

Homeowners cancellation Malhotra and Assoc

Homeowners insurance is a necessity for every homeowner, but homeowners insurance cancellation isn’t uncommon either. In fact, homeowners insurance cancellation rates are on the rise in recent years. This blog discusses some of the reasons for homeowners insurance cancellation and what policyholders can do to prevent it from happening! Give our friendly, licensed agents in […]