Many of our readers are already asking how they should go about protecting their iPad once they’re able to purchase one. Considering that consumers will be paying between $499 and $829 for their iPad, and the portable (and thus heavily handled) nature of the iPad, most iPad owners want to be confident that their investment will be protected in the event of an accident. Although Apple’s... 

By Glenn Curtis Homeowners’ insurance can be very expensive. Those that live in high-risk areas such as close to major waterways, known earthquake fault lines or other high claims areas will pay the most for coverage. In fact, those in high-risk areas are often forced to pay annual premiums in the many thousands of dollars. But even homeowners in relatively sedate, suburban neighborhoods (with... 

1. You’re a statistic. To an insurer, you’re not a person; you’re a set of risks. An insurer bases its premium (or its decision to insure you at all) on your “risk factors,” including your occupation, who you are, what you own, and how you live. 2. Know your home’s value. Before you choose a policy, it is essential to establish your home’s replacement... 

Who doesn’t like to save money? Did you know your home insurance is a great place to find savings? You’re most likely required by your mortgage lender to carry homeowners insurance on your house and home insurance costs can vary widely. Here are eight tips to help you start saving money with your homeowners insurance. Saving money when buying home insurance begins before you even purchase... 

If you secured a home loan with less than a 20 percent down payment, chances are your lender required you to buy mortgage insurance to cover its exposure in case you default. Once your equity position in the home reaches 20 percent, however, you will want to stop paying mortgage insurance (unless you have an FHA-insured loan, which requires premium payments to the government for the life of the... 

By Michele Dawson With the cost of insuring homes on the rise in recent years, now is a good time to examine your policy and look for ways to save money. The Insurance Information Institute, a non-profit organization supported by the property and casualty insurance business, attributes the increases to the mounting number of catastrophes, the high cost of home repairs, and the emergence of mold... 

By Gary Foreman Question My husband and I bought a house 18 months ago. We went in with less than 20% down, and so are stuck paying mortgage insurance to the tune of over $80 per month. What exactly is mortgage insurance for, and is it possible for us to “cancel” our mortgage insurance by showing a good history of paying on time?? We have never been late nor missed...