Homeowners Guide

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 payment for both the dwelling ... Read more

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 insurance. Personal lines insurance is ... Read more

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 to purchase a certain amount ... Read more

Standard homeowners insurance typically does not cover building code upgrades. A homeowner needs to add an ordinance or law endorsement to their homeowner policy.

If you have a student getting ready to head to college, it can be stressful thinking about how they and their belongings won’t be under roof (and your home insurance) anymore. Fortunately, many college students are still eligible for insurance coverage under the parents’ policies, and there are other accessible options you can choose to ... Read more

Your homeowners insurance can cover more than just your house itself and includes personal property coverage, which provides financial protection in case of damage to your personal belongings. But, how does that coverage apply to expensive technology like a laptop you might need to use every day? Your laptop is very likely to be covered ... Read more

Landscaping around your home and property can take a large amount of time and money to get right. You want to be sure that your efforts won’t go to waste, so it’s important that you understand how you can financially protect your landscaping. Fortunately, standard home insurance policies do cover many elements on the exterior ... Read more

Yes, your septic tank or drain field is covered by your homeowner’s insurance policy. Your septic tank is technically a part of your home, meaning it falls under your dwelling coverage details. Let’s look at how a conventional septic tank falls in line with your homeowner’s insurance.  Septic systems can create a world of headaches ... Read more

Most homeowners will agree that at some point, someone will come to work on your house. For some people, it can be a day to day thing. There may be a gardener one day, perhaps a landscaper the next. Maybe a family has tutors or a cleaning service. There could be a housekeeper to help ... Read more