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…
Within over 365,000 residents in 2019, Marion County is one of the most populous counties in the state of Florida. The county is just north of the close to the center of peninsular Florida and is made up of the Ocala Metropolitan Area, which crosses over the border of 3…
Putnam County is a landlocked area located in northeastern Florida, relatively close to the Atlantic coastline. There are close to 75,000 residents living in Putnam County as of 2019, with many of them living within a multi-county population cluster known as the Palatka Micropolitan Statistical Area, home to just under…
St. Johns County is located on the northern Atlantic coastline of Florida. The population of St. Johns County, as of 2019, is made up of 264,572 residents according to the US Census Bureau, which makes it one of the most populated counties in the state. Table of Contents1 Living in…
Sitting along the Atlantic coastline, Nassau County is located in Northeastern Florida and has a population of 88,625 residents, as of 2019. The county features a variety of ecological environments, including Amelia Island, the plethora of beach communities, fertile farmland, timberland forests, and numerous rivers. Table of Contents1 Living in…
Duval County is the third most northern county along Florida’s Atlantic coastline, and according to the US Census Bureau, the population of Duval County is 957,755 as of 2019. Although much of the county is considered urban and suburban, it also features two nationally protected areas, the Fort Caroline National…
Clay County is a landlocked municipality located in northeastern Florida. As of 2019, Clay County has 219,252 residents, making the county one of the most populated in the state of Florida. The largest contributing industries to the county’s revenue are mixed freight/goods transportation industry, pharmaceutical industry, and the technology/electronics industry. …
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