Category: Homeowners Insurance

Do I Need More Homeowners Coverage After Renovating?

Renovations can add substantial value to your home. Adding on a front porch, putting in a swimming pool, remodeling your kitchen, and other improvements can not only make your home more pleasant and comfortable to live in, but also increase its market value. After a remodeling project, it is vital to reevaluate your homeowners policy and ensure you have the right coverage at the best...

Homeowner's Insurance - What is it and what does it cover?

What’s the deal with homeowners insurance? When purchasing a home, the term homeowners’ insurance comes up quite a bit. Although it’s an assumption that it’s a requirement, many new buyers don’t understand what homeowners insurance covers and why they truly need it. Let’s start with the basics: What is homeowners’ insurance? This is a series of coverages that assist in repairing or replacing your home,...

Understanding The Liability Portion Of Homeowners Insurance

Generally, homeowners insurance is designed to help repair or replace your home and belongings if they are damaged by certain covered perils, such as fire or theft. Most homeowners policies also provide liability coverage in case a visitor is injured on your premises, or you accidentally damage another person’s property. You may also add a personal umbrella policy – a type of insurance that provides...

Why Do I Need Separate Flood/Earthquake Insurance?

A number of disasters are covered under the typical homeowners insurance policy, but not everything. If you live in a flood zone or an area prone to earthquakes, you will need to purchase separate flood insurance or earthquake insurance. Our experienced agents can help ensure you have the coverage you need at the best available rates. What Disasters Are Covered By Homeowners Insurance? Although individual...

Wind and Hurricane Insurance - What Homeowners Need To Know

How strong is your homeowners’ policy? Having homeowners’ insurance is important, but knowing what that covers is crucial. With inclement weather popping up at a moment’s notice, the policy must include areas you may not think you need. For instance, you may live in an area that requires flood insurance. Did you know that’s an extra policy? Even with a policy in place, there are...