Home Insurance

Have you ever been kept awake at night because you’re worried about something happening to your home? The possibilities are endless – fire, burglary, flooding, lightning. Your home is, well, your home. If something were to happen to your house, it would be devastating. It’s no wonder you have a hard time sleeping if you’re dwelling on the things that could go wrong.

But the good news is that homeowner’s insurance will be there for you. With a great home insurance policy, you can sleep well knowing that your home and belongings are covered if you’re hit with a catastrophe. A homeowner’s policy covers and protects you from a multitude of disasters, so even though you can’t predict the future, you know you’ll be protected from whatever life can throw at you.

We know that your home and your family are unique, so you need a personalized insurance policy to fit your needs. InsuranceHub would be happy to help with that. We can help you identify your risks and make sure you’re covered. We want to keep you and your family protected from anything that could come your way.

call your insurance agent to see if you can get insurance discounts

15 Common Homeowner’s Insurance Discounts to Ask Your Agent About

July 26, 2021

Being a homeowner can be hard work. There’s a lot to think about – what color to paint the walls, how to arrange the furniture in the family room, what kind of light fixtures to put in the hallways…and then, of course, there’s home insurance. If you’re going through the process of buying home insurance, you might be holding your breath and bracing yourself for the cost.

But we’ve got good news: you can save money on your home insurance.

There are these magical things called discounts that can knock the price of your homeowner’s insurance down. We’re going to explain about 15 home insurance discounts to ask about.

Hurricane Season Is Here, Make Sure Your Property Is Protected

July 20, 2021

When hurricane season comes around every year, you’re bound to hear some intense local stories of flash flooding and thunderstorms. Therefore, now is the right time to make sure your home is protected from hurricanes.

While your homeowner’s insurance policy may cover some of the flood damage, it will not offer full protection against the investment losses. So, instead of startling yourself with an unpleasant revelation by the insurance provider that your policy doesn’t cover any or all hurricane damage, it’s best to look for appropriate coverage.

This is where flood insurance comes into play. This post explains how adequate flood insurance can protect your home during hurricane season from damages.

The Rise in Construction Material Costs Can Impact Your Insurance Claims

July 20, 2021

The increasing prices of construction materials have become a threat to many policyholders. Even though soaring prices are well-documented, it is essential to watch out for the trend and its possible implications.

As per the Associated Builders and Contractors analysis, the latest costs of materials has increased by 73 percent since 2020. This change in costs has increased the price of single-family houses by $36,000. In fact, the recent reports indicate that these prices have hit $1,500 per thousand for the first time in the housing market’s history.

Generally home insurance covers falling trees.

With Hurricane Season Starting, Now Is the Time to Take Down Your Dead Trees

July 16, 2021July 15, 2021

Now that hurricane season here, it is time to take down those dead trees surrounding your home. Waiting to address this issue may cause you a lot of money in property damages due to strong winds and storms. And the worst part is that your insurance may deny your claim to cover the cost due to the damage caused by a natural disaster.

This is one of the hurricane-related damages you can prevent if you know the existing threat the trees pose to your property. So, get your thinking cap on and start taking a look around your house to see which of the trees may need removing.

If you believe that some of the trees are quite high and may pose a danger of falling onto your home due to strong windstorms you may need to have someone prune them. Talk with a local tree removal company and see what trees are dead or pose a threat to your home.

Smart Gadgets You Need for Your Home

July 15, 2021

Modern-day homeowners prefer to maintain a state-of-the-art household with the latest smart gadgets and appliances. Thanks to the Internet of Things (IoT), you can now connect your appliances and gadgets with your smartphone for remote access.

Do not think of smart gadgets as a waste of money; they can actually add value to your home’s resale value. For instance, having smart garage doors or a smart heating system will help you get more money for your house.

If the water damage was caused by something gradual and ongoing, it will most likely not be covered.

Does Your Home Insurance Cover Water Damage?

July 1, 2021

Regardless of the cause of the water damage in your home, it can cost you a significant amount of money. Though there can be numerous reasons of water damage, pipe burst, severe weather, and floods are the common ones. It can also affect your home in the form of sneaky leaks such as drip outs and condensation.

According to some recent data, one in fifty insured homes file claims for water damage each year. If you leave water damage untreated, it may lead you to several other problems including foundation cracks and mold. This makes finding out if your homeowner’s insurance covers water damage or not extremely important.

Here is everything you should know about water damage claims (when it is covered and when it is not).

Getting a Pool or Trampoline May Lead to Higher Homeowner’s Insurance Costs

July 1, 2021

When was the last time you reviewed your homeowner’s insurance policy?

If you haven’t for quite a while, now would be a good time to do it and find out whether your house has decreased or increased in value. In fact, it is one way to prepare you for the due property taxes.

Although you may have kept the coverage in place, it may increase your homeowner’s costs if you have made any purchases or upgrades such as trampoline or an aboveground pool.

Of course, the purchases seem like good additions and make your home more relaxing and livable; however, they often lead to higher homeowner’s insurance cost. This is perhaps the reason why experts emphasize on considering your insurance policy before adding these fun elements to your home.

If you’re interested in learning more about how home improvements may increase your homeowner’s insurance costs, keep on reading.

Is My House Protected from Hail?

June 23, 2021June 22, 2021

Living in areas that frequently experience hurricanes, tornadoes, and storms increases the odds of property damage. While standard insurance policy offers coverage for hail, you need “windstorm insurance” if your area is prone to frequent hail storms.

Let’s delve into the details to learn more about hail protection.

How to Put Your Property up for Rent in Atlanta

June 23, 2021June 22, 2021

Most people consider Atlanta the main hub of the South because of its scenic and strategic location. The bustling city has rising numbers of workers and tourists, making it an attractive haven for many realtors and property investors to rent in Atlanta.

If you’re a property owner in the area, ensuring that your home quickly fills up or has occupants to prevent any interruption in rental income is essential. You can advertise or list your property yourself or hire a real estate agent to do the job.

Either way, knowing useful tips to put up your property for rent in Atlanta is important to succeed.
Here, we have listed some tips to help you prepare.

Is your home really safe with insurance?

June 6, 2021April 26, 2021

Having homeowners insurance is important, but is your home really safe and sound with your homeowners’ insurance policy? Homeowners insurance is supposed to protect your home from property damage and other losses. It should also include a liability provision in case someone is injured while on your property. While this sounds good, there are some things that may not be covered: