A resource hub for homeowners.
Raccoons and other animals such as squirrels, birds, bats, and mice are treated differently by insurance companies. Raccoons exist all over North America and they can cause significant damage to the structure of the home. If you have a homeowners insurance policy and it covers raccoon removal, there are special…
If your vehicle is stolen, insurance companies have the responsibility to compensate you for the market value of your vehicle. If you have comprehensive insurance and renters insurance, you can reap the benefits of both coverages. Collision insurance will not protect you if your car is stolen because it only…
Renters insurance protects your rental unit or home from damage and this includes personal property and liability insurance for unpredictable events such as vandalism. Renters insurance provides a high level of coverage, similar to homeowners insurance. HO-4 renters insurance policies have three levels of coverage: Personal property, liability insurance, and…
Hurricane season runs in the United States from June through October. According to statistics from the National Oceanic And Atmospheric Association, we see an average of 6 hurricanes and 12 named storms during the Hurricane season. To prepare for damaging hurricanes, you need the right insurance. Renters insurance or HO-4…
If you’re renting an apartment or townhouse, renters insurance (HO-4) will cover your personal property. The main purpose of renters insurance is to cover the tenant’s personal belongings. Yes, this includes your jewelry. Other personal property includes clothes, furniture, appliances, and more. Each renters insurance policy includes a clause for…
Flood insurance is an optional insurance policy for homeowners insurance that protects you against floods in the home. Storms and burst pipes are common perils that lead to flooding on all levels of the home. This guide will look at the different coverage options you have in a burst pipe…
Homeowners insurance policies cover most water damage as long as it’s sudden and accidental. Millions of households in the US are experiencing flood conditions that can cause extensive structural damage to the home. Flood conditions aren’t always caused by floods and hurricanes but they can be caused by a sewer…
Flood insurance can be purchased as an endorsement on a homeowners insurance policy as it’s not automatically included. This includes coverage for structural damage and personal property caused by floods. FEMA spearheads the National Flood Insurance Program (NFIP) that provides flood insurance coverage to all homeowners in the United States….
If you’re a homeowner and want to start renting your property, you must insure the property and the tenants. Homeowners insurance protects you on multiple levels: It includes dwelling coverage for structural damage and property coverage for all your belongings. This coverage is mandatory when you let strangers into your…
Renters insurance, also known as HO-4 policy, is insurance designed for tenants. This insurance policy can be used to protect your personal belongings while you rent an apartment unit or a house. Renters insurance will cover you for all personal property inside the home and abroad when you’re traveling, albeit…
Fire damage can be devastating to a home and cause significant property damage and injuries. The most common form of fire damage are electrical fires, kitchen fires, candle fires, and wildfires. Wildfires have the potential to burn through millions of acres and engulf thousands of homes in flames. This is…
Jewelry is an extremely valuable property and it’s easily damaged and stolen. Homeowners insurance can provide a degree of protection for jewelry, but it’s essentially treated as any other property unless you individually insure it. This guide will cover how you can secure your jewelry at full replacement value to…
Volusia County is located centrally along the Atlantic coastline of Florida. The US Census Bureau estimated Volusia County’s 2019 population at 553,284 people, which makes it one of the most populated municipalities in Florida. Table of Contents1 Living in Volusia2 Home Insurance Premiums in Volusia County3 Flood Insurance in Volusia…
Lake County is a centrally located county in peninsular Florida, and the county has a relatively large population compared to many of its neighboring counties; as of 2019, the county has close to 370,000 residents. As its name suggests, Lake County has numerous natural bodies of water within its borders,…
Sumter County is a landlocked area of Florida that is home to over 130,000 residents as of 2019. Located in central peninsular Florida, Sumter County contains The Villagers Metro Area, which is included in the Orland-Deltona-Daytona Beach Statistical Area and is home to a majority of the county’s residents. Table…
Pasco County is located halfway down the Gulf Coast of Florida’s peninsular and is among the most populous counties in Florida, and as of 2019, the US Census Bureau estimates the county has over 550,000 residents. The county is made up of several of the state’s mid-sized cities as well…
Located midway down peninsular Florida’s gulf coastline, is “known as Florida’s Adventure Coast,” and it offers visitors a variety of cultural and natural attractions throughout its various communities. Hernando County has a decently sized population, with an estimated 193,920 residents as of 2019 according to the US Census Bureau. Table…
Centrally located along the Gulf Coast of peninsular Florida, Citrus County has a moderate-sized population, with just under 150,000 residents according to 2018 estimates from the US Census Bureau. The county is home to a variety of wildlife, especially within the county’s completely or virtually uninhabited islands along the coastline….
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