Homeowners Guide

If you are financing your home through a lender, they will help you decide how your home insurance will need to be paid. They will require that you have insurance as they have a vested interest in the property and won’t allow you to move in until you have provided them with insurance information. If ... Read more

Your standard home insurance plan has basic limitations and exclusions that some homeowners may not be aware of and, therefore, could be underinsured when it comes time for a devastating event. Supplemental policies fill the voids left by the basic homeowners plans. In your standard plan, there is Coverage A which sets aside a majority ... Read more

More and more people are tending towards alternative living conditions, such as tiny houses and floating homes. This is awesome but it makes insuring their options a bit more arduous. Finding carriers to take on these as a risk is daunting.  In this article we will take a deeper look at insuring a floating home. ... Read more

It may surprise most people to find out that home insurance carriers use your credit score to decide what your premium is going to be for your policy. A majority of us feel this is only the case when we’re getting a loan or applying for a new credit card. A high percentage of insurance ... Read more

The difference between a home warranty and your homeowners insurance is that the home warranty will protect the things that allow your home to function properly when they begin to wear down while the homeowner’s insurance will protect the home and your personal belongings from sudden, accidental loss and not due to normal wear and ... Read more

Extended dwelling coverage may protect you from increased costs that may occur in the aftermath of natural disasters. If your area is prone to hurricanes, tornadoes, or other sudden destructive weather events, extended dwelling coverage may be necessary to keep you from breaking the bank.  In this blog post, we’ll talk a little more about ... Read more

Most everyone wants to save as much as they possibly can with their homeowners insurance premiums. Many want the answer to the same question, do I have to pay for additional structures if I don’t have any? And the answer is not really cut and dry. With a standard homeowner’s policy, you are getting a ... Read more

Other structures coverage, also known as detached structures coverage is section B of a homeowners policy. The purpose of this coverage is to protect a homeowner from any damage that occurs to structures on the homeowner’s property other than the home or structures attached to the home.

Bicycling is becoming a popular mode of transportation as well as a recreational form of exercise and sport. People are spending anywhere from a few hundred dollars to upwards of a few thousand dollars for high-quality bikes. Bicycles are covered under your standard homeowners insurance plan as part of your personal property. You will be ... Read more

Yes, your homeowners insurance will typically cover the damages caused by a tree falling from your property on your neighbor's house or property. Home insurance will kick in if you are found responsible as long as tree didn't fall due to lack of maintenance or because of an uncovered peril.

Your backyard gazebo may not be the featured piece on any of the high-priced designer living magazines. It may be simplistic with very few embellishments or architectural elements that would typically make a gazebo shine. But your gazebo is valuable to you and it may still require that you have additional coverage beyond what your ... Read more

When you’re researching for a homeowners insurance company, the biggest thing you want to take into consideration is how many complaints there are and what type of complaints stand out. Many carriers are going to have a smudge here or there from their policyholders in one category or another due to claims that may not ... Read more