November 17, 2020
AgencyHomeowners insurance 101
Basics of a Homeowners Policy A homeowners insurance policy is charged with an extremely important task: providing financial protection to make you (the policyholder) whole after an insurable incident that damages your greatest asset—your home. But if you don’t understand what you are getting with the purchase of your homeowners insurance policy, you could be […]
November 10, 2020
AgencyUnderstanding wind deductibles
Understanding Windstorm Coverage and Deductibles on Your Homeowners Policy Many people view their homeowners insurance policy as a comprehensive document that protects their home regardless of the peril behind the insurable event. While this is true in theory, your homeowners policy actually has many different layers and different deductibles that must be covered for […]
November 3, 2020
AgencySmoke alarms keep families safe
Smoke Alarms Smoke alarms offer one of the most basic and least expensive tools you can find to help keep your family safe. According to the Consumer Protection Safety Commission, about 66 percent of fire deaths occur in homes that have either no smoke alarm or one that doesn’t work. Sadly, this is an easy […]
October 26, 2020
AgencyUnderstanding home insurance deductibles
Understanding Different Home Insurance Deductibles An insurance policy is not entirely a unilateral agreement because while your insurance company agrees to mete out insurance benefits up to a certain limit for qualified losses, you also agree to make some payments. First, you must pay your premiums on time in order to keep the policy in-force, […]
October 13, 2020
AgencyKeep your home from going down in flames
According to the National Fire Protection Association, home fires caused over 2,500 civilian deaths and almost $7.8 billion in damages last year. It may prove impossible to prevent all home fires but, there are several measures you can take to protect your family, home and valuables from going down in flames. Keep it clean. Remove […]
October 5, 2020
AgencyTop 5 Home Insurance claims
When you live in a home, accidents happen. You can do your best to prevent them, but sometimes things just happen no matter what. It’s good to know what are the common accidents that do happen so you can best be prepared when you go over your home insurance policy Here are the top five […]
September 28, 2020
AgencyInsuring your jewelry correctly
Your homeowners or renters insurance policy may or may not include contents coverage. If your policy does include this protection, it is often very limited and may even put caps on valuable items such as jewelry. The last thing you want is to lose your deceased grandmother’s engagement ring in a robbery only to discover […]
September 22, 2020
AgencyAre natural disasters covered by Home Insurance?
Homeowners insurance is designed to protect your home and property from risks such as damage from severe storms, fires, theft and your personal liability. Sometimes windstorm and hail can be on your homeowners policy, but is typically separate. Let’s take a look at some common coverages: Personal property loss: Covers damaged, lost or stolen personal […]
September 14, 2020
AgencyCan a trampoline affect your home insurance?
Children love springing into the air atop the backyard trampoline. But they’re all too often unaware of the dangers. Tens of thousands of kids are brought to the emergency room each year to treat injuries that involve trampoline use. Some of the most common injuries are caused by improper landing, roughhousing, flipping, uncovered springs and […]
September 8, 2020
AgencyIs your shed covered by home insurance?
You spent years tripping over the riding lawn mower and figuring out how to park in the garage among bikes, yard tools and other odds and ends. You finally saved up and got the perfect shed to house that lawn mower and other garden equipment that was previously crammed into the garage. The shed is […]