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.

Does Home Insurance Cover Damage to a Neighbor’s Property? Find out if your typical homeowners insurance policy will cover damage done to your neighbor's property and whether you might need additional coverage. How Much Homeowners Insurance Coverage Do I Need? Photo of Valencia Patrice Higuera Valencia Patrice Higuera How Much Homeowners Insurance Coverage Do I Need? Your home is a valuable asset, so it only makes sense to guard it with a... What to Do Before Renewing Your Homeowners Insurance Policy? Photo of Valencia Patrice Higuera Valencia Patrice Higuera What to Do Before Renewing Your Homeowners Insurance Policy? Home insurance is a policy that protects your property from losses and damages.... How to Compare Home Insurance Companies Learn how you should research and compare home insurance companies that you're considering for a policy, including insurer health, ratings and claims process. How to Create a Home Inventory for Homeowners Insurance Learn how to create and maintain a home inventory list to track the valuable belongings that need coverage under your homeowners insurance policy. Which Payments You Should Avoid Making With a Credit Card Photo of Valencia Patrice Higuera Valencia Patrice Higuera Which Payments You Should Avoid Making With a Credit Card Credit cards are convenient and useful for earning rewards, building a credit... What Credit Cards are Accepted at Costco? Photo of Valencia Patrice Higuera Valencia Patrice Higuera What Credit Cards are Accepted at Costco? Costco is a very popular destination for people who want to make bulk purchases in... Expiration Dates: Why Credit Card and Debit Cards Have Them Learn why credit cards and debit cards have expiration dates, including how it is essential for protecting consumers and merchants alike. Should You Pay to Extend a Mortgage Rate Lock? Find out whether it makes sense to pay for a mortgage rate-lock extension during the process of buying a new home. Learn how rate locks work and see the tips that you should use to ensure the lowest interest rate on your mortgages, especially during times when interest rates are fluctuating. How to Get a Debt Consolidation Loan With a Bad Credit Score Photo of Valencia Patrice Higuera Valencia Patrice Higuera How to Get a Debt Consolidation Loan With a Bad Credit Score If you’re struggling to pay off debt and juggling multiple balances, a debt...