A resource hub for homeowners.
Liability coverage included in a homeowners insurance policy provides financial protection in the event that you are liable or legally responsible for others’ injuries or property damage. That coverage extends to damage other members of your household, including your pets, may cause. However, if you have a dog and are…
While standard home insurance policies include several different types of coverage to protect your home, they include lists of events that are excluded from coverage as well. If any damage occurs from one of these events, your insurance company will not accept any claims to provide financial protection or recompensation…
In the world of insurance, there always seems to be a catch or clause hidden within the context of any given policy. The water exclusion clause is no exception. Water damage is a contentious issue in most homeowners insurance policies. Especially if you live in an area that frequently receives…
No matter what type of limits of liability are shown on your insurance policy’s declaration page, every homeowner will also contain a loss-settlement provision. This provision outlines how a claim will be paid subject to the various conditions of the policy itself. Generally, loss settlement applies to the replacement cost…
When you need to be safeguarded from a loss you cannot cover on your own, personal lines insurance comes into play. While you may not hear of personal lines insurance every day, odds are, you’re already a policyholder of many insurance types that fall under the umbrella of personal lines…
A homeowners policy is only as good as the amount the home is insured for. An underinsured home is one that won’t be fully recovered in the event of a loss. This is why most insurance policies contain what is known as a coinsurance clause. Each coinsurance clause requires policyholders…
Every Florida homeowner knows that the state is no stranger to high winds. Whether it is a hurricane, tropical storm, or weather front, Floridians deal with more than their fair share of wind-related incidents. This is why programs have been put into place to help residents to lower the risk…
When you choose to refinance your mortgage, you’re essentially paying off your old loan using the new loan (the refinanced mortgage) in order to obtain better terms and a lower interest rate. Overall, a mortgage refinance can save you money long term and may even help you to reach the…
From the outside, condos and townhomes can be difficult to discern. Most share a similar facade and even boast many of the same interior features. There seems to be little difference between the two dwellings, yet when insurance involved, condos and townhomes couldn’t be more different. When looking into insurance…
Every family fears the daunting day in which their city or municipality declares a mandatory evacuation due to weather. Sadly, mandatory evacuations happen almost annually in certain regions of the US. In the event of a hurricane or a flood, people who are ordered to evacuate often have no nearby…
Homes contaminated with radon can be serious health-hazards and need to be treated. Unfortunately, this problem is fairly common, with one in fifteen homes in the United States experiencing elevated levels of radon. As testing and preventing elevated radon is the home is considered a part of home maintenance and…
If your property is damaged by heavy storms, you may want to know if your policy covers the damage sustained to your land. An extreme downpour can result in extensive erosion and damage to the topsoil on your property and require significant repairs to be undertaken. Unfortunately, many homeowners insurance…
Lakewood is a fast-growing all-American city, located at the foot of the Rocky Mountains, 7 miles west of Denver. It is surrounded by major roadways, including Interstates I-70 and I-25, U.S. routes 285 and 6, and Colorado State Highways 26 and 470. Red Rock Community College and the main campus…
If you are a homeowner, then the subject of insurance has crossed your mind. Insuring your property is majorly important. Having an accident or natural disaster that puts your assets at risk can happen to anyone. Fires and liability accidents are the leading cause of homeowners losing their assets. Rather…
Homeowners need an HO-3 policy to cover their homes and assets. An accident can happen at any moment, and coverage keeps you from losing everything. Accidents do not have to be fire or damage-related either. Sometimes, a liability accident can happen, and you can get sued for the things that…
Grand Junction is the largest city on the Western Slope in Colorado. It is located in Mesa County and serves as a hub for shipping and transportation between Salt Lake City and Denver. It is home to The Colorado National Monument where you can do outdoor activities such as biking…
All homeowners need insurance. An HO-3 policy is meant to protect personal property from any liability or accidents. If there is a fire, all of your things inside of the home as well as the home itself should be covered. Typical HO-3 policies also include medical payments. Expect to pay…
Home insurance protects a homeowner’s personal property and their actual home. This is a common type of insurance that covers most parts of the home. Most HO-3 premiums also cover liability and medical payments. An HO-3 policy should cover the cost of your assets. If it is too far below…
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