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Tag: Forest Facts

Umbrella Insurance Explained

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...

What to do if you have an ice dam

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,...

The Lower Premium Trap

Many insurers try to lure you with quick quotes and lower premiums, hoping you won’t notice suddenly missing or reduced coverages. Let’s face it, saving money is on everyone’s mind these days. But when it comes to insurance, well… you get what you pay for. Unfortunately, though, insurance can be confusing, and consumers may not fully understand exactly what they’re paying for. Believe it or...

The Risky Business of Trampolines

Misrepresenting your property to an insurance carrier—for example, telling your insurer you don’t have a trampoline when you actually do—is grounds for claim denial and policy cancellation in some states. You know your kids would love a trampoline, but something tells you that your homeowners insurance company may not. And, you could be right. According to the Journal of Pediatric Orthopedics, more than one million...

Smart Solutions to Avoid Getting Soaked

Home Water Damage on the Rise With home water damage (quite literally) on the rise, the potential for fire is no longer the biggest risk facing average homeowners. It’s a water claim. Driving the increases are a number of factors, including aging homes, pipes and valves, and luxury amenities such as second-floor laundry rooms. Aging Homes Not surprisingly, older homes are at greater risk of...

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