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Tag: Homeowners Insurance

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...

When to File a Homeowners Insurance Claim

A 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?

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

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,...

If A Contractor Damages My Home, Whose Insurance Covers It?

Homeowners insurance is designed to provide you with financial protection from loss due to theft, disasters, and accidents. But what happens if a contractor causes damage to your home? In this case, your homeowners insurance may help cover the cost of repairs, but will likely seek reimbursement through the contractor’s general liability insurance.  Damage to Your Home From an Accident Caused by a Contractor Although...

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