Category: Homeowners Insurance
Beginner’s Guide to Personal Umbrella Insurance
Posted: April 16, 2021
Beginner’s Guide to Personal Umbrella InsurancePersonal umbrella insurance serves an essential purpose, as it provides liability protection above and beyond the policy limits on your vehicle, home, or boat. Every insurance policy has limits, and personal umbrella insurance kicks in once you have exceeded those limits, expanding your protection if a claim or lawsuit is filed against you. Should I Have Personal Umbrella Insurance? One of the vital protections provided...
Umbrella Insurance Explained
Posted: March 26, 2021
An umbrella policy picks up where the liability limits of your homeowners and auto policies leave off, and is an extremely cost-effective way to protect your hard-earned assets. Do you own a dog? How about a trampoline? Do you have a long commute? If you answered yes to any of those questions, you have a greater than average chance of being sued. You’re also vulnerable...
When to File a Homeowners Insurance Claim
Posted: March 16, 2021
When to File a Homeowners Insurance ClaimA home is a major investment, and home insurance is designed to protect it. We pay premiums in exchange for coverage, so the natural inclination is to file a claim when a covered loss occurs. The reality is not so clear cut. Filing a claim under the wrong circumstances can affect your premiums and your finances adversely in the future. It is important to know...
Do I Need Different Insurance for a Vacation Home?
Posted: March 1, 2021
Do I Need Different Insurance for a Vacation Home?If you have the good fortune to own a vacation home, it is important to protect your investment. You may need a separate insurance policy to cover your second home. Vacation home insurance can help protect that property against a range of perils. Why Do I Need Separate Insurance for a Second Home? For a second home you don’t live in full time, you will...
What to do if you have an ice dam
Posted: February 19, 2021
According to the Insurance Information Institute, water damage and freezing that can result from ice dams and other winter weather disasters account for almost 20% of all homeowners insurance claims. During a cold and snowy winter, ice dams can form quickly, staining ceilings and walls, dislodging shingles, decaying structural framing and causing water to back up into your home. According to the Insurance Information Institute,...
