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Full-Time RV Insurance
When you own a recreational vehicle, it is important that you get it properly insured. Much like a home, there are many unexpected circumstances that can occur to cause damage. You want to make sure you have appropriate coverage in place in case this happens. Since recreational vehicles need aspects of homeowners and auto insurance ... Read more
What Is an Assignment of Benefits Form?
When the unthinkable occurs, it can leave you with a severely damaged home and a lot of work to organize and implement. This can translate to thousands of dollars, and all of that money typically comes from an insurance policy claim payout. When an assessment takes place, and work is set to start, a vendor ... Read more
All In Condo Master Policy Insurance
When researching the condo association you want to move to, you will likely request to view their insurance policies. This is a great proactive measure so that you can plan out your own insurance needs when purchasing a condo. Some condo associations offer All In condo insurance in their master policy, but what exactly does ... Read more
All Other Peril Deductible in Homeowners Insurance
Most homeowners are aware that they must pay a deductible before their homeowner insurance pays for a claim. What many people do not know is there is more than one kind of deductible when it comes to homeowners insurance. The most commonly used deductible is an All Other Peril (AOP) deductible. An All Other Peril ... Read more
Personal Property Coverage with Replacement Cost Value
When selecting a homeowners policy, you will be faced with many decisions. A lot of math, state minimums, and endorsements will be reviewed and added to the policy to ensure it is comprehensive and matches your needs and the requirements of a mortgage company. When it comes to personal property coverage C, you will be ... Read more
Does Home Insurance Cover Cracked Walls?
The walls in your home provide structure to the entire dwelling. If one of your walls has significant cracks you need to make sure that your home insurance policy is able to cover damages because getting these repairs done quickly is essential. As long as your walls are not cracking due to wear and tear, ... Read more
Four Point Home Inspection
If you want to make sure your home is updated and safe, you need to get an inspection done by a professional. A four-point home inspection takes a look at four major systems in your home to verify they are all in good condition. The systems are your roof, electrical, plumbing, and HVAC. This is ... Read more
Does Home Insurance Automatically Renew?
When you have a homeowners insurance policy, you get the confidence in knowing that your home is protected from many different perils. You must make sure your policy is active if you want to keep receiving coverage, so learning more about the policy will help you make sure your coverage does not lapse or end. ... Read more
Does Homeowners Insurance Cover Gutters?
Your gutters play an important role in keeping your home safe. Even when you have home insurance, clearing out your gutters and ensuring there are no blockages is essential. Home insurance does cover damage to your gutters, as long as it is not seen as preventable damage. This is why maintaining your gutters is a ... Read more
Itemized Contents List for Home Insurance Claim
If you need to file a homeowners insurance claim, it is important that you accurately assess your home for damages. This means taking a look at your belongings to see what has been damaged and what is in need of repairs or replacements. Creating this list is simple when you know exactly what the insurance ... Read more
Does Home Insurance Cover Fallen Electrical or Utility Poles?
Fallen electric or utility poles can cause a world of damage and potential hazards. What do you do when one of these structures falls on your roof? What if a pole on your property falls on someone else’s house? Does your homeowner’s insurance cover fallen electrical or utility poles? The simple answer is – yes, ... Read more
Equipment Breakdown Coverage: Details, Cost & Claim Examples
When you have an existing homeowners insurance policy, there are endorsements that can be added to provide additional coverage. If you have equipment breakdown coverage on your policy, this will protect your appliances that are affected by electrical or mechanical issues. If you have a washing machine, dryer, dishwasher, stove, and other similar appliances, it ... Read more
