Homeowners Insurance: When Do You File A Claim?
Posted: September 20, 2018
Homeowners insurance is designed to cover damage to your property caused by certain covered events. It stands to reason that as you are paying your premiums, you should take advantage of available coverage. However, the reality is that it is not always advisable to file a homeowners insurance claim, as it can lead to higher premiums or even cancellation in some cases. Underwriters tend to...
Understanding Your Homeowners Policy
Posted: July 31, 2018
Most people don't want to think about their homeowners insurance until they need it. Homeowners policies are lengthy, complicated, and written in legalese. Nevertheless, it could pay off to thoroughly understand your homeowners policy and know how it works. Our agency is happy to assist you with not only finding the right homeowners policy, but also with understanding what is in it. Basics of Homeowners...
Backup of Sewer, Drain, & Sump Pump Endorsement
Posted: July 11, 2018
The Backup of Sewer, Drain, & Sump Pump endorsement is a coverage that can be added to your Homeowners Insurance policy, Landlord Policy, or a Commercial policy. With this endorsement added to your Homeowners insurance policy, you will now have coverage for events that would have otherwise been excluded. Let's first look at the definition, to better understand the coverage this endorsement provides. Definition: Provides coverage...
Why It Is Important To Review Your Insurance Policies On A Yearly Basis
Posted: April 30, 2018
Insurance policies are living documents. They can, and should be, changed periodically to accommodate changes in circumstances and needs of the policyholder. Our agency can assist you with an annual review of your insurance policies to help ensure you have the coverage you need without paying more than you need to. Reasons to Review Your Insurance Policies Annually Certain factors should be checked with your...
Great Insurance Tips For First Time Home Buyers
Posted: March 19, 2018
Homeowners insurance is not required by law like automobile liability insurance. However, it is required by mortgage companies to protect the lender's investment. Even if you were able to pay cash for your home, homeowners insurance is an important protection for what is likely your biggest asset. The following are some tips about homeowners insurance for first time home buyers. Get Renters Insurance to Help...