Toasters that turn on by themselves and short-circuiting dishwashers can spark fires costing you thousands of dollars in home repairs. Unfortunately, not all damage caused by appliances is covered by your home insurance policy.

The following appliances caused the greatest number of home fires between 2002 and 2009, according to a Consumer Reports article that relied on data from the U.S. Consumer Product Safety Commission.

Depending on the situation, you may not be covered for damage triggered by an appliance, says Kevin Foley, owner of PFT&K Insurance Brokers in Milltown, N.J.

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A home is the most important things that you will buy in your lifetime: not only does it provide a roof over our heads but it’s also a place of security and a place to keep your family safe.

The one thing that everyone will agree on is that a house is expensive to buy and, if anything were to happen to it, very few of us could afford to rebuild it or repair significant damage. This is where home insurance comes in. Before you buy your first home, you probably won’t have given home insurance a second thought, but when you step onto the property ladder it will suddenly seem like the most important thing in the world. Bes Read all post…

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Monopoly House – Woodley WonderworksHere are 10 top tips to help you lower your home insurance premium. Keep your house protected without paying outrageous home insurance premiums.

With the everyday cost of living going up and a continually bleak economic situation, everyone is trying to save money at the moment. One of the biggest monthly costs the average person faces is utility bills, and for homeowners, this includes home insurance.

If you own a property, then you will need to cover it with home insurance or property insurance, and this can cost a lot. Read all post…

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Here are 10 top tips to help you lower your home insurance premium. Keep your house protected without paying outrageous home insurance premiums.

With the everyday cost of living going up and a continually bleak economic situation, everyone is trying to save money at the moment. One of the biggest monthly costs the average person faces is utility bills and for homeowners this includes home insurance.

If you own a property then you will need to cover it with home insurance or property insurance and this can cost a lot. However, there are many ways in which you can quickly and easily lower your home insurance premium. Read all post…

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A new report from the Insurance Information Institute (I.I.I.) revealed that dog bites represented more than one third of home insurance claims in 2010. Despite this high number of claims, the I.I.I. found that dog bites remained relatively consistent with those in the year prior.

Nearly $413 Million Paid in Liability Claims

According to the I.I.I., nearly $413 million was paid out in home insurance claims as a result of dog bites. While the total claims payouts were slightly higher than in 2009, the number of dog bites claims decreased to 15,770 in 2010 from 16,586 a year prior.

Some reasons for the rise in claims payouts despite the decrease in claims made were increases in medical costs, the size of settlements, judgments and jury awards to plaintiffs.

Learn More during National Dog Bite Prevention Week, May 15-21

The I.I.I. rep

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