Homeowners Guide

Is the Cash Under the Mattress Safe? The last thing anyone ever wants to experience is a home robbery. There are few worse invasions of privacy and security. If you are a homeowner with a mortgage, homeowners insurance is required. If you have paid off your house, homeowners insurance is not required but you better ... Read more

Insurance is a legal contract that binds the company and the customer under certain conditions. These conditions are mainly to provide financial assistance to the customers by the insurance provider company in terms of any specified losses, damage, theft, illness or death. However, the insurance provider company in return takes a certain amount that is ... Read more

The sidewalk is a mobility barrier separating your home from the street which is used by thousands of pedestrians. Repairing cracks in the pavement is not just a good neighborly trait, but it’s required by law. There are numerous potential injuries that a broken pavement could cause to pedestrians, bicycle riders, and all residents in ... Read more

Accommodating roommates or boarders have varying effects on your homeowners insurance depending on your insurance company and living arrangement. There are lots of factors to be considered therefore it is advisable to contact your insurance company before going ahead to rent out that extra room.  Of course, calling your insurance company asking them questions about ... Read more

The question of whether your housing insurance covers hearing aids has become a regularly occurring question among homeowners that require hearing aids. Some aid specialists advise that you put your hearing aids under your house and content insurance. But is that enough? What if the damage occurs outside your home? Does it still count? Well, ... Read more

Millions of people in the US get their water supply from a private well. Albeit the cheaper option, private wells can cause a homeowner a ton of grief. Just like other structures and mechanisms on your property, a well owner is responsible for the upkeep and maintenance of their well. That said, what happens when you ... Read more

Homeowners insurance is about as easy to understand as an Ikea instruction manual, yet it is something we all require in order to protect our properties and belongings. Policies can be convoluted and difficult to read. Even if you have an existing policy in place, you might be uncertain as to what is actually covered.  ... Read more

Having a house has its own set of rewards. As a humble homeowner, you naturally want your house to feel more like home. After a while, home improvement projects may begin to pile up. Let’s say you decide to put your DIY capabilities to the test and build your own back porch oasis. Problem is, you ... Read more

The electric panel controls the electricity of the entire home and it is the origin of all electric power. The electric panel is referred to as the “breaker box” and it has a myriad of controls that allow electricians to manipulate the different ways electricity enters the home. The electric panel is directly responsible for ... Read more

Coverages A, B, C, D, E, and F are included in most standard homeowners insurance policies. It is important to understand what these coverages cover and what they exclude.