Articles by Valencia Patrice Higuera

Valencia Higuera is based in Virginia and she covers budgeting, credit cards, and student loan debt, with expertise in frugal living, general banking, and mortgages. She is a self-proclaimed personal finance junkie. Valencia has contributed to publications and outlets including MSN, The Huffington Post, CBS News, Investopedia, and more. Education: B.A. in English from Old Dominion University.

Hazard Insurance: How Does It Cover Your Home? Learn how hazard insurance works as part of your overall homeowners insurance policy, especially if you have an existing mortgage on your property. When Can You Switch Homeowners Insurance Policies? Photo of Valencia Patrice Higuera Valencia Patrice Higuera When Can You Switch Homeowners Insurance Policies? If you own a home, chances are you have homeowners insurance—especially if you’re... Does Home Insurance Cover Damage to a Neighbor’s Property? Photo of Valencia Patrice Higuera Valencia Patrice Higuera Does Home Insurance Cover Damage to a Neighbor’s Property? Homeowners insurance protects against losses and damages to your property. Damage... How Much Homeowners Insurance Coverage Do I Need? Find how much homeowners insurance coverage you should consider as part of your policy, which would also affect your annual premiums. What to Do Before Renewing Your Homeowners Insurance Policy? If you're homeowners insurance policy is about to renew, take these steps to ensure that you maintain enough coverage at the lowest premiums. How to Compare Home Insurance Companies Photo of Valencia Patrice Higuera Valencia Patrice Higuera How to Compare Home Insurance Companies Buying a home is an opportunity to earn equity and put down roots. And like many... How to Create a Home Inventory for Homeowners Insurance Photo of Valencia Patrice Higuera Valencia Patrice Higuera How to Create a Home Inventory for Homeowners Insurance If you own a home, homeowners insurance (although not required by law) is... Which Payments You Should Avoid Making With a Credit Card Credit cards have a place in our finances, yet buying the wrong things can damage our finances. Here are nine things you shouldn't put on a credit card. What Credit Cards are Accepted at Costco? Find out which credit cards work at Costco, the wholesale warehouse club that has been known to be picky with accepting credit card payments. Expiration Dates: Why Credit Card and Debit Cards Have Them Photo of Valencia Patrice Higuera Valencia Patrice Higuera Expiration Dates: Why Credit Card and Debit Cards Have Them Debit cards and credit cards have a variety of numbers on them. This includes your...