Social media has grown by leaps and bounds over the past decade. What many people don’t understand are the unique risks that come along with social networking. Anyone using Facebook, Instagram, Twitter (now X), TikTok, or any other social networking site should exercise extreme caution in what they decide to say online. Online bullying can…Read more
10 Ways to Reduce Your Homeowner’s Premium
Homeowner’s insurance premiums are increasing at an alarming rate. You may be looking for ways to reduce your annual premium without skimping on coverage. After all, a large portion of your net worth resides in the same place as you do. But there are a number of strategies you can use to chip away at…Read more
Your Homeowner’s Insurance Won’t Cover Work Under Construction
Many homeowners who are renovating their homes, or building a new one, make the expensive mistake of not securing additional coverage during the construction phase. A fire may destroy your materials and equipment, or thieves clean you out in the dead of night. When you call your homeowner’s insurer, you find out it doesn’t cover…Read more
Who Is Liable When a Tree Falls onto a Neighbor’s Property?
Many people have trees on their property. They provide shade and complement landscaping nicely, but they can also cause major disputes when they fall over. A tree may topple over if it is not properly maintained, it’s diseased or a storm knocks it down. When a tree falls over onto a neighbor’s property, a homeowner…Read more
Does Homeowner’s Insurance Cover Damage to Your Foundation?
If you find signs that your house’s foundation may be damaged, it’s obviously disconcerting since it is the support structure for your entire home. A damaged foundation can wreak havoc, putting your home off-kilter, and making those repairs can be costly. You may think that your homeowner’s insurance will cover repairs, but that’s only true…Read more
Home Renovation and Homeowners Insurance
Americans who were cooped up at home during stay-at home orders since the pandemic started have been busy renovating their homes in record numbers. Home renovation spending grew 15% in the last year to a median $15,000, according to a survey by home renovation website Houzz. It also found that higher-budget projects (accounting for the…Read more
Renters Insurance for College Students
While you already have enough to worry about when your child leaves for college, you don’t want the specter of them dealing with the theft or damage of their possessions while there. For about $150 a year, you can protect your child’s possessions against theft or damage caused by fire, lightning, smoke, vandalism, electrical surges,…Read more
Adjust Homeowners Insurance for Increased Construction Costs
The cost of buying and installing home building supplies is going through the roof, and it may leave you without enough insurance to rebuild should disaster strike. Lumber and other construction material prices have skyrocketed, and so has the cost of labor as the building industry struggles with a manpower shortfall. These issues are adding…Read more
Most Frequent Homeowners Claim
While most people are understandably concerned about insuring their homes against fire loss, that risk is not what causes the most losses for homeowners. Water damage is a more common threat that accounts for more claims than fire damage. Statistics show that one out of every five homes will experience some kind of water damage…Read more
Dog Bites and Homeowners Insurance
There are some 63 million dogs in the U.S. and while they make for great companions and help keep our homes safe from intruders, they can also be a significant liability. About 4.5 million people suffer dog bites every year, according to the Centers for Disease Control and Prevention. Of that number, about 885,000 need…Read more
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