What natural disasters does your home insurance cover?

Natural Disaster Insurance

The recent devastation from Hurricane Ian has highlighted the unfortunate fact that many homeowners are not insured against all types of natural disasters. While most home insurance plans cover wind damage from hurricanes and other storms, damage from floods and some other events is not covered by default. Here’s what natural disasters typically are and aren’t covered by standard homeowners insurance policies.

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LowerYourHomebuyerCosts

4 ways a home seller can lower your homebuying costs

LowerYourHomebuyerCosts

When buying a home, one of your goals is to negotiate with the seller for the best possible deal. This was a difficult task during the red-hot real estate market of the past few years when competing buyers bid up home prices in many parts of the country. But now, with the housing market cooling off, the opportunity to negotiate your homebuying costs is common again in many regions. If you’re looking for a better deal on your home purchase, here are four ways the home seller may be able to help.

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Tips for reducing your winter heating bill

ReducingHeatingBill

Heating costs are expected to surge this winter. While you can’t control utility prices, there are several things you can do to minimize your heating bill. Here’s some advice that should help you stay cozy through winter without burning through too much cash.

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How to maintain good credit scores

HowToMaintainGoodCreditScore

Your credit scores can be an important asset, especially if you’re planning on applying for major financing like a mortgage in the future. Strong scores can help you qualify for more financing options and borrow at lower costs, helping you achieve your goals sooner and potentially save significant money. How to obtain and maintain high credits scores isn’t necessarily common sense, though. Here are some important tips to follow to help you achieve great credit scores.

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What to do before a home appraisal

WhatToDoBeforeHomeAppraisal

Whether you’re selling your home or refinancing it, a home appraisal is often a required part of the process. This typically involves a home appraiser visiting your home to make a professional assessment of its value. A strong appraisal allows you to proceed toward your goal, but a low appraisal could kill a sale or upend your refinancing. Thankfully, there are steps you can take to help ensure you have the best opportunity to receive the appraisal you’re looking for. Here’s how to plan and prepare.

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