Author: creative
- Categories: American Heritage, Auto
“Can you go ahead and give me your license, registration and insurance card, please?” That question never signals happy times. Almost always it’s asked for a driver pulled over for a traffic infraction or involved in a crash. The law enforcement officer can quickly verify your license and registration status via a real-time statewide database, … <a title="Auto Insurance Database Would Improve Police Ability to Catch Uninsured Drivers" class="read-more" href="https://americanheritageins.com/auto-insurance-database-police-ability-catch-uninsured-drivers/"...
- Categories: American Heritage
As of July 31, 2018, Hurricane Katrina in 2005 had the highest amount in NFIP payouts, at $16.3 billion. Hurricane Harvey of 2017 ranked second with $8.8 billion in NFIP payouts. Superstorm Sandy, which occurred in October 2012, ranked third, resulting in $8.8 billion in NFIP payouts. Hurricane Irma, also in 2017, ranked ninth with … <a title="Facts and Statistics on Flood Insurance" class="read-more" href="https://americanheritageins.com/facts-and-statistics-on-flood-insurance/" aria-label="Read more about Facts and...
- Categories: American Heritage, Flood, Weather
Flooding is the most common and costly natural disaster in the United States, causing billions in economic losses each year. According to the National Flood Program (NFIP), 90% of all natural disasters in the United States involve flooding. There is no coverage for flooding in standard homeowners or renters policies or in most commercial property … Read more
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- Categories: American Heritage, Flood, Home
Is Your Home Insured For Water Damage? Water is one of the most common causes of damage in homes, and it represents a large number of insurance claims. Water damage to your property can happen from any number of sources: Plumbing or Appliances Severe Weather or Storms Accidents Infiltration Causes of Water Damage in Insurance: … <a title="3 Types of Water Damage" class="read-more" href="https://americanheritageins.com/3-types-of-water-damage/" aria-label="Read more about 3 Types of...
- Categories: American Heritage, Flood, Home, Weather
Check out the answers to some common questions about flood insurance. Answers all come from the Federal Emergency Management Agency (FEMA). I Don’t Have Flood Insurance – Why Do I Need It? Floods are the nation’s most common and costly natural disaster and cause millions of dollars in damage every year. Floods cost America, on … <a title="Common Questions About Flood Insurance" class="read-more" href="https://americanheritageins.com/common-questions-about-flood-insurance/" aria-label="Read more about Common Questions About...
- Categories: American Heritage, Home
Premium Many factors influence your premium and it will also vary by insurance company. An independent agent can help you shop for the best price without compromising your coverage. Some of the things that can affect your premium include: The cost to rebuild your home (this is not the same as the purchase price which … <a title="Homeowners Insurance: Premium, Policy Limits and Other Home-Related Insurance" class="read-more" href="https://americanheritageins.com/homeowners-insurance-premium-policy-limits-and-other/" aria-label="Read more...
- Categories: American Heritage, Home
If you leave your home unattended for weeks at a time, your homeowners policy likely won’t provide coverage in the event of a claim during the time it is unoccupied or vacant. As a result, any damages or losses that occur would have to be paid out of pocket. For these times, unoccupied and vacant … <a title="Unoccupied and Vacant Home Insurance: What is it and Do I Need it?"...
- Categories: American Heritage, Home, Renters
According to Primary Residential Mortgage Inc., Millennials are currently the largest class of homebuyers in the market. It may come as a surprise to some, but this young, tech-savvy generation is still set on finding a home, even during a volatile market with rising interest rates and fewer homes on the lower end of the … <a title="Renters No More: Millennial Home Buyers" class="read-more" href="https://americanheritageins.com/renters-no-more-millennial-home-buyers/" aria-label="Read more about Renters No...
- Categories: American Heritage, Home, Weather
Water damage is the leading cause of property-related losses for homeowners, according to Chubb claims data. A recent Travelers report revealed similar findings. After analyzing eight years of claims data, the insurer found that 20% of homeowners claims were attributable to non-weather water issues including plumbing, sewer or appliance leaks and failures – making non-weather … <a title="Water Damage in Your Home" class="read-more" href="https://americanheritageins.com/water-damage-in-your-home/" aria-label="Read more about Water Damage in...
- Categories: American Heritage, Home, Pets
In 2017, dog bites and dog-related injuries accounted for more than one-third of homeowners liability claims according to the Insurance Information Institute. There are approximately 89.7 million dogs in the United States and 36.5% of U.S. households own at least one dog. The average cost per dog bite claim was $37,051, totaling over $700 million … <a title="One-Third of Homeowners Liability Claims are From Dog Bites" class="read-more" href="https://americanheritageins.com/one-third-of-homeowners-liability-claims-are-from-dog-bites/" aria-label="Read more...