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
Insurance Tips For First Time Home Buyers
So you have now purchased your first home. What an exciting time! You probably have some plans on how you want to “make it your own.” In making these plans you should consider the best way to protect your investment. As a first-time home buyer, are you aware that the purchase of a home is…Read more
Know Your Insurance Deductible
Several states experienced the first catastrophe of 2014 when temperatures fell into the single digits. Pipes froze, burst and caused substantial water damage. Insurance claims were filed but policyholders didn’t realize they had a deductible or how much the deductible was and how it effected the policy. State Farm, the leading property insurer in the…Read more
Check Your Deductible
Several insurance companies are raising deductibles on Homeowners policies. When you receive your renewal information review it carefully and make sure you are aware of your deductible. Some companies are increasing your overall deductible and some are adding a separate Wind/Hail, Named Storm or Hurricane Deductible. In the case of a Wind/Hail deductible most companies…Read more