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
Insuring Your Home – Replacement Cost vs. Market Value
Unfortunately, disaster can strike at any time. No one is immune to the threat of losing his or her home due to any number of possible hazards. But a recent survey found that most homeowners are seriously underinsured. Marshall & Swift/Boekh, a leading insurance data services company, found that 66 percent of homeowners had inadequate…Read more
What Renters Need To Know About Insurance
Since most homeowners are also mortgage holders, they are required to have home insurance. However, most renters are not required to purchase renter’s insurance according to the terms of a lease. They face many of the same risks as homeowners. Although renters do not have to pay for the actual structure that is rented, they…Read more
Insurance for a Swimming Pool
You’re having a new pool installed in your backyard, and you can’t wait to dive into a summer of swimming fun. Of course, you may be so busy buying water wings, noodles and floats that you forgot to take care of one very important detail: your insurance. Now is the time to take a close…Read more
What Does Homeowners Insurance Cover?
Dan called and said the aluminum siding on his home is worn out and needs to be replaced. He asked if the siding would be paid for by his homeowners insurance. I informed him that worn out siding is not a covered loss which preceded his next question…what does homeowners insurance cover? Homeowners Insurance Homeowners…Read more
Hurricane Insurance – Are You Covered?
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
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