Home Insurance

Spring weather can be unpredictable, and in many parts of the country, that means a sharp increase in wind and hail activity. For owners of high-value homes, these storms can cause more than just seasonal inconvenience. They can expose weaknesses in both the structure and the insurance policy protecting it. We see it every year: high-end properties impacted by spring storms in ways that standard coverage doesn't always address. A custom metal roof dented by hail. Imported st

Mold is more than just an eyesore — it can pose serious health risks and lead to costly property damage if left unchecked. One of the most common causes of mold growth is moisture intrusion, which can result from leaky roofs, poor ventilation, plumbing issues, or even storm damage. Because mold often develops slowly, insurance coverage for mold damage can be tricky . In many standard homeowners insurance policies, mold remediation is only covered if it resulted because of

Winter weather poses challenges for homeowners, from freezing temperatures to heavy snow and ice. Taking proactive measures can help prevent damage and keep your home safe and comfortable. Here are several simple ideas that can mean the difference between a secure home and a loss. Seal Windows and Doors : Drafty windows and doors increase heating costs. Use weatherstripping or caulk to seal gaps. Adding storm windows or window film provides extra insulation. Protect Your

Buying your first home is a major milestone, and choosing the right home insurance to protect your investment is essential. Here are key tips to guide you: 1. Understand Coverage Basics. Home insurance typically includes: Dwelling Coverage : This coverage protects your home’s structure from perils like fire, wind, and storm. Personal Property Coverage : Your personal property, also called Contents, includes belongings such as furniture, apparel, appliances, home goods, and

Home insurance is crucial to protecting your financial security. Not all home insurance policies are created equal, so educating yourself is important. Beware of agents who suggest reducing coverage to save on premiums! Here are five simple strategies to reduce your premiums while maintaining comprehensive coverage: 1. Increase Your Deductible Raising your deductible—what you pay out-of-pocket before insurance kicks in—can lower your premiums. For instance, increasing a $500

Home insurance protects against unexpected damage, but many losses can be avoided through regular maintenance and planning. Here’s how to...

Bundling your home and auto insurance is a simple way to save money and simplify your life. By combining policies under one carrier, you...

Natural disasters can cause extensive damage to your home. Disasters like hurricanes, tornadoes, floods, earthquakes, wildfires, and...

Homeowners insurance safeguards your property, belongings, and finances against unexpected events like fire, theft, and certain natural disasters. Here is a quick primer on the basics of home insurance: What is Homeowners Insurance? This insurance provides financial protection for your home and belongings as well as liability protection if someone is injured on your property. The best policies are tailored to your specific needs. Key Coverages: Dwelling Coverage : Dwellin

The recent hurricanes in Florida have stirred conversations about the devastation, clean-up, and how the victims begin to restore their...

"While we were out of town, our neighbors saw water running out of our garage and down the driveway!” “We were camping for the weekend,...

If this is the first time that your home or auto has been damaged by a storm or tornado, you’re not alone. After the shock of the event...

Uncertainty. Isn’t that why you buy insurance? You’re uncertain about the future. Will your house catch on fire? Be broken into? Hit...

After a major storm strikes your home or car, you may feel shocked, overwhelmed, or fearful. When the initial shock wears off and you...

Did you wake up and think you were at the South Pole? Yes, we broke a record low temperature at -9 degrees. Wind chill is forecasted to...

Volunteering on a board is a generous way to give back to your community, and we applaud those who do. However, many volunteers do not...

Could you remember everything you have in your home if it were all gone tomorrow? Everything?! It’s daunting to think about writing down an inventory of all the stuff in your home. Luckily, here’s a super easy—and fun—alternative! Just follow these steps and you’ll have an inventory record that fewer than 15% of people have. Doesn’t it feel good to be in the top 15%?! For extra fun: Enlist a family member or friend to join in. One of you is the video operator, and one

Why is insurance so confusing?? All these fine distinctions make it seem like the insurance carrier is just trying to get out of paying a...

The promise of spring puts a smile on everyone’s faces…warm air, sunshine, open windows! But we all know rain is a part of spring, and...

Because water damage can happen in a variety of ways, it can occur in a variety of places in the home, not just basements. Water damage...