We’ve all seen the dramatic effect hurricanes can have – both the initial wind then rain and the floods that follow. Make sure your homeowners insurance provides the coverage you need before the storm hits. If you can’t live in your home, make sure your policy will pay additional living expenses. Review your policy for…Read more
3 Ways to Save on Homeowners Insurance
You can lower the monthly premium on your homeowners insurance in 3 ways. We’ll discuss those ways but first let’s discuss what homeowners insurance is designed to cover. Homeowners insurance is designed to cover a “sudden and accidental” loss. Homeowners insurance is not a maintenance policy and it will not cover damage due to wear…Read more
Replacement Cost Insurance
Choosing replacement cost insurance on your home’s contents helps restore the comfort of your home in the event of a loss. It could be worth hundreds, even thousands of dollars to your family. Replacement Cost Insurance Most homeowners insurance policies cover your personal property for its actual cash value. You may prefer to cover your…Read more
Insuring a Home with a Pool or Trampoline
We are often asked, “If I have a swimming pool or trampoline in my back yard will homeowners insurance cover it?” Swimming pools Because of both the high rate of drowning and the severity of water-related injuries, insurance companies consider swimming pools one of their biggest liabilities. Consider the possibility of a neighborhood kid accidentally…Read more
Landlord Insurance
You might think of this policy as homeowners insurance for landlords. As with homeowners insurance, your policy will cover the structure itself, in the event that it is damaged by any number of causes, such as storms, fire or malicious acts. The policy will also typically provide liability protection to cover injuries to anyone on…Read more
Equipment Breakdown Coverage
You know that household appliances and equipment can stop working at any time. That’s why equipment breakdown coverage is a superior value, with a competitive price and great protection. What Is Equipment Breakdown Coverage? This unique coverage is a type of home warranty that extends to many of your essential home systems and personal property.…Read more
High Value Homeowners Insurance
As an owner of a distinctive home, your insurance needs are unique. Your home is a significant investment, and it is important that you have the right coverage to protect special characteristics and custom fixtures as well as your fine possessions. At The Andrew Agency, we have the expertise to not only meet your expectations,…Read more
Jewelry Insurance
What’s the point of having nice things if you have to worry about losing them? Protect the worth of your jewelry and other cherished items by adding an Inland Marine policy also known as scheduled personal property. Protect the things that matter to you Look around your house. What are the items that are most…Read more
Understanding Synthetic Stucco
Having a house with EIFS, also known as Dryvit, isn’t the end of the world. EIFS isn’t a disease; it’s synthetic stucco. And even though your house may have been built using it, with knowledge and proper maintenance everything can be just fine. It pays to be informed EIFS is an Exterior Insulation and Finish…Read more
Does Homeowners Insurance Cover Water Damage?
One of our clients recently had a pipe break that caused substantial water damage to their finished basement. Sudden and accidental water damage – like burst pipes – are generally covered by your homeowner’s insurance policy. However, it is important to know that not every type of water-related damage is covered. A few tips to…Read more