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Sierra County, NM


If your dog bites your neighbor's kid, sending him to the hospital, do you have appropriate homeowners' coverage to pay for the medical bills? If you lose your engagement ring, will the policy pay for the loss or should you have had a rider? In case of fire, is your...


By keeping your dog in line you can prevent your insurance company from taking an extra bite out of your wallet -- or potentially withdrawing coverage altogether. Once you're in a home and you've got your homeowners insurance policy, chances are you feel secure that you'll...


Closing is the moment when all parts of a real estate transaction come together. But what may surprise buyers is that even at closing you may need still-more paperwork. Huh? Between sale agreements, disclosures, and mortgage applications wasn't there enough paperwork? What...


If you're a first-time homebuyer overwhelmed at the prospect of closing costs, inspection and appraisal fees, "earnest money" and -- oh, yes -- mortgage payments -- undoubtedly you're a bit queasy about your homeowners' insurance, as well. It's the icing on an already very...


It's ironic that a document of such great importance to homeowners is one that they often don't consider until disaster strikes. Unfortunately, that's precisely the time when they discover that they're not covered for the things they desperately need when nature rears its...


Having paid home insurance premiums for years without a claim, I have often wondered if such protection was necessary or useful. My views on such matters changed rapidly in recent weeks when a rental property attracted a brigade of firefighters. There had been what was...



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