Your roof has an effect on your home insurance rates.

How does your roof affect your home insurance rates?

Most of the time you’re probably not too fixated on the roof over your head. It does its job – it keeps the water out and protects you from the cold, the heat, and storms. Perhaps you don’t give too much thought to it. But here’s the thing – your insurance company does. They’re actually very concerned with roofs.

So, therein lies the question (well, questions):

How does your roof affect your home insurance rates? Can your roof help you get a discount on your premium?

Well, guess what? We’re going to answer those questions.

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You have to freeze your credit reports at all three credit reporting bureaus.

How (and why) to put a freeze on your credit report

Identity theft is no joke. We’ve got a suggestion for how to prevent people from using your credit information for their own gain – and leaving you in the middle of a big mess. It’s called a credit report freeze. We’ll go over what a credit freeze is and how to freeze your credit report.

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To protect your home while you're away, consider vacant home insurance.

Do I need vacant home insurance for my unoccupied house?

As a homeowner, you’ve got a lot of responsibility on your plate – even when you’re not actually occupying your home. Home insurance policies often don’t allow for a homeowner to leave their house unattended for an extended period of time. Now, there’s a difference between an unoccupied home and a vacant home, but the bottom line is that you may need to get special coverage if you’re leaving your house empty. We’ll go over why your normal homeowner’s insurance may not cover your empty house and how you can make sure your investment is covered.

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Be sure that you're aware of any exclusions in your home insurance policy.

Ten home insurance exclusions you need to know about

Home insurance is there to protect your home from losses. It’s also there to give you some peace of mind – there’s enough stress in life without worrying about how you’d pay for damage to your house if disaster struck. However, it’s really important that you understand what your home insurance policy covers. Home insurance policies have exclusions, or losses that are not covered – meaning that if that particular loss hit your home, the insurance company wouldn’t pay for it. We’ll go over ten common home insurance exclusions and explain how you can cover gaps in your insurance.

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Bundling your home and auto insurance can help you save money.

What you need to know about bundling your home and auto insurance

You’ve probably seen some insurance commercials that talk about bundling your home insurance and auto insurance. Maybe you’re wondering what’s so great about bundled insurance policies. Can bundling your home and auto insurance really help you save money on your home insurance? Bundling comes with numerous advantages, but there are also some things you have to consider when asking yourself if you should bundle your home and auto insurance. We’ll explain what you need to know.

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Missing a home insurance payment could put you at risk of having your coverage canceled.

What will happen if I miss a home insurance payment?

Home insurance payments perhaps aren’t your favorite things. The deadlines are usually doable and you get that check in the mail (or pay online) with plenty of time. But sometimes things happen and you miss a payment. Maybe an emergency came up and you couldn’t get the bill paid. Perhaps it’s been a tough month financially and you just can’t make that payment. Or you may have simply forgotten – it happens. Whatever the reason may be, the home insurance bill didn’t get paid. And now you’re wondering what happens if you miss a home insurance payment. We’ll explain.

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

Life changes that mean you need to talk to your insurance agent

Nothing in life is certain. Sometimes we experience major life changes, and when life events happen you might need to re-evaluate your insurance situation and needs. It’s important to make sure that you have the coverage you need to be protected from all the risks you face every day. You definitely don’t want to end up underinsured, whether it’s with your home insurance or your auto insurance. So, we’ll go over some life situations that could mean you need to give your agent a call.

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You can save money on your homeowners insurance.

8 easy ways to save money on homeowners insurance

Protecting your home with homeowners insurance isn’t always cheap. However, that doesn’t mean there aren’t ways to save money on your home insurance. Of course, your insurance would quickly prove that it’s worth every penny if you ever have a disaster or loss, but why not get the same coverage you enjoy now or the coverage that you’re looking for at a lower price? Here are our tips to help you lower your homeowners insurance premium.

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We have some tips for how to get home insurance.

How to get home insurance: 10 tips to make home insurance easy

If you’re trying to get insurance for your home, you may have a few questions. At the top of the list might be how to get home insurance in the first place. It certainly seems like a daunting process with all the fancy words and big numbers. Since your house is so important to you and your family, it’s essential to make sure that it’s protected by the right home insurance. So, to help you out when you get home insurance, we’ve got some tips to keep in mind.

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Having your home insurance canceled can make it difficult to get new coverage.

What do I do if my home insurance is canceled or nonrenewed?

What would you do if your home insurance company said that they were no longer going to insure you? The news would probably come as a pretty big blow. You depend on your home insurance to protect your house and losing that insurance might cause a little bit of panic. It can be difficult to get home insurance after being canceled or nonrenewed by an insurance company, depending on their reason for dropping your coverage. The question going through your mind might be: What do I do if my home insurance is canceled? There are a few things you can do in the event that your home insurance company drops you.

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