The word lawsuit is enough to strike fear into anyone’s heart. No homeowner wants to think about being sued, or about someone getting hurt on their property. But the reality is that these things happen, and they can happen all-too-easily. Homeowners who have pools, trampolines, or dogs can face higher liability risk. So, what’s a homeowner to do to lower their liability risk? We’ll go over a few helpful tips.
So, having people come over to visit is a lot of fun. Family and friends are oftentimes welcome guests, and it can be nice to spend time with people you care about and relax a bit. Whether you just planned a dinner with some family friends or you’ve got guests staying for a week, having company can be exciting. But what would happen if your guest accidentally caused damage to your home? We’ll go over how the situation could play out – and how home insurance could help.
Storms can be very scary – the force and wrath of Mother Nature is not to be trifled with. If you have to weather a storm, you might be wondering how you can put your home back to rights. How can home insurance help with storm damage? We’re going to go over some of the ways that your insurance can help you out when it comes to getting your home back to normal.
When to insurance, it can feel like an agent is speaking a second language when they’re talking to you about policies and quotes and whatnot. There’s a lot of jargon that you need to deal with, and there are a lot of big words that maybe no one ever took the time to explain. It’s important that you know what these words mean. We’ve put together a list of twelve common home insurance words that you should know about.
There are a variety of ways that someone may hit your mailbox. There could have been a group of kids that toppled it over for fun or a driver that wasn’t paying the best attention to the road. Either way, the remains are lying in a heap on your lawn. But is it big enough of a deal for your home insurance to cover damages to your mailbox? Let’s find out.
As hard as it is to admit during home renovations: You can’t do it all. So, at some point, you may need to hire a contractor to do what you can’t. However, what if the person you hire gets hurt while working on your home? Are their medical bills your responsibility or the responsibility of the company that you hired them through? The answer, as with most things, is that it depends. Let’s take a look.
Your home insurance does a lot of cool things. It protects you from different losses, and it serves as a financial safety net. While there are a lot of great things that home insurance does, there are some coverages that you may want to add to your policy as endorsements. (Don’t worry – we’ll explain what an endorsement is in a second.) But what are these home insurance endorsements that you should know about so you can consider whether you should add them to your policy? We’ll go over four.
The Fourth of July is a time for celebration, family, and summer fun. Maybe you get some time off work in observance of the holiday and you’re looking forward to relaxing, grilling out, and watching some fireworks. Sure, July 4th is a great time, but you also need to be sure to be safe. Check out the following reminders so you can have a happy and safe Fourth of July.
Going through the process of getting home insurance might seem intimidating and overwhelming. There are a ton of questions to answer, lots of big fancy words, and plenty of details. It might help to be prepared for what questions you’ll get ahead of time…and to know why the agent on the other end of the phone is asking what they’re asking. We’re going to explain 10 questions that an insurance agent might have for you and why the answers matter.
It might be intimidating to look at your home insurance policy. That thing looks, well, extremely boring and tedious. What if you just want a bird’s-eye view of what your policy does? Of course, it’s important to read your entire home insurance policy, but there has to be an easier way to get the basics. Well, insurance companies had the same thought. Enter the declaration page! Here’s an explanation of what the declaration page is.