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Tag: Homeowners Insurance

Understanding What Your Home Insurance Policy Covers

Understanding your home insurance policy and what it covers is essential but easier said than done. Insurance contracts are written in a legal language unfamiliar to most of us. To understand your coverage, you may want to get help from a local insurance agent. You need to know what is covered – hopefully long before you need to file a claim. You likely have homeowners'...

Flood, Water Backup, & Seepage Coverage

Knowing which water perils are (and aren't) covered can help ensure you don't get soaked come claim time. When it comes to insurance, not all water damage is the same. Let’s look at how perils such as flood, water backup, and seepage differ: Flood Flooding—water damage that occurs from water breaching an egress threshold of your home (for example, a window or doorway)—is defined by...

Home Renovations That Can Affect Your Insurance

Renovating your home can enhance your living environment and increase the value of your property. Home renovations can be chaotic at first, with debris from demolitions piling up. While looking forward to an improved home environment, you need to be aware of some types of home renovations that could affect your insurance coverage. Pools A pool can significantly enhance the value of your home and...

5 Spring Home Maintenance Tips

When spring arrives, it is time to get ready for the warmer months. These five spring maintenance tips can help you maintain and protect your home. Roof Inspection Your roof has been subjected to harsh winter weather and should be inspected yearly. You can inspect the roof yourself, but it is not recommended. It is advised that you contact a professional roofing company to inspect...

The Importance of Umbrella Insurance

Umbrella insurance is one of the most important—and affordable—types of coverage you can buy. 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 if you have teen drivers at home, own more than one home, employ domestic...

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