Civil unrest can occur anywhere – from big cities to a small-town community. Looting, theft, and vandalism are possible in the midst of the mayhem. But if something happens to your home or business as a result – will your homeowners’ insurance or business insurance cover it? Homeowners Insurance Standard home insurance policies are in…Read more
Understanding your Homeowner policy
Sure, you get the declarations page in the mail each year when comes time for your home policy renewal. It’s easy to just file it away and forget about it, but taking a little bit of time to understand the primary coverages outlined on the declarations page is a worthwhile investment of your time. A…Read more
Vacant Homeowners Insurance
At certain points, anyone may need to insure a vacant home. The reasons for this vary and may include certain life events such as inheriting a relative’s home or moving out of your own home before it has sold. Liability coverage is also important on a vacant home in case there is an accident that…Read more
Hurricane Insurance Can Save You Big When the Storm Arrives
Protect Your Home with Hurricane Insurance Hurricanes are one of the most destructive storms that occur. If you live in a region that routinely faces the threat of hurricanes, you know how scary they can be. There are steps you can take to help protect your home from an impending storm. But, when damages do…Read more
Flood Insurance May Be More Important than You Think
Did you know that everyone lives in a flood zone? It’s just that every area has a different level of risk, low, moderate, or high. It’s common to think floods only happen on the coasts. However, millions of flood insurance claims have come from states with no coastal land. So, are you at risk? You…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
Three Ways to Save on Vacation Home Insurance
At last, you’ve arrived. Your dream vacation home is or will soon be yours! However, if it’s near the Atlantic Ocean, or not inhabited year round, it’s more at risk of damage, flooding, theft and fire. Shield your dream vacation home from potential nightmares, and gain peace of mind with vacation home insurance. We’ve compiled…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
Protect Your Greatest Asset with Homeowners Insurance
You think it never will happen to you. Surely you never will have a fire, theft, storm, or accident in your home. But, if the unthinkable does happen, you’ll want to have homeowners insurance to protect you. Homeowners insurance is there during your times of greatest need to protect what is probably your biggest asset.…Read more
Water Backup – What’s Covered, What’s Not?
Homeowners insurance is designed to cover a sudden and accidental loss but there are exclusions. One of the most common exclusions is water backing up from a sewer line and overflowing into the home. There are policies that provide coverage for water backing up through sewers or drains as long as it originates on premise.…Read more
