Hey, wait. What’s that smell? And why is yard covered in muck? You may have a sewer backup problem, and it could cost you hundreds if not thousands of dollars to fix. Great. Sewer backups are something that many people never see coming, so a lot of homeowners skip on sewer backup coverage. Or worse, they don’t know that they can get it. If you’re one of these homeowners, here’s a rundown of what sewer backup insurance is and how it can be a lifesaver if you own a home.
Home insurance might seem like a pretty complicated thing. And it kind of is. There are a lot of fancy terms you have to know; it’s almost like speaking a different language. You might be wondering how your insurance policy works. You know that it’s called an HO-3 policy, but what exactly is that? We’re going to answer several important questions about HO-3 policies to help you understand how that very important (and very wordy) document works.
Lots of people travel over the holidays to visit friends and family, whether they’re driving, flying, or teleporting (just kidding – but we wish we weren’t.) Taking a few days to go out of town and see loved ones is great, but you don’t want to be worrying about your house while you’re away. Before you leave for holiday vacation, check out these tips for securing your home against burglary while you’re away.
When it comes to home insurance, there are a lot of things that can get a little…confusing. It’s like it’s a different language – one that corresponds to a subject that they somehow don’t teach in schools. One aspect of insuring your home that might have raised a few questions is finding out how much home insurance you need. Do you need enough insurance to cover the market value of the house or the replacement cost of the house? And, well, what’s the difference? We’re going to explain why these two values are so different and explain why insuring your home for its replacement cost is essential.
You’ve probably seen commercials from different insurance companies promising big-time savings if you bundle your home and auto insurance. But perhaps you’re skeptical. Bundling, which just means getting multiple lines of insurance from the same company (for example home and auto), can save you money on your insurance…but how does it work? And, well, why does it work? We’re going to illustrate how bundling can help you save money on your insurance by going through a case study.
If you have a home and you’re having trouble getting home insurance for it, you might be ready to start throwing things across the room. You understand the importance of having insurance – your house is a big investment. So, you’re willing to pay for insurance, but you keep getting turned down. What gives? The reason for your home insurance difficulties could be that your house is considered “hard to place” or “hard to insure.”
But why would your house be considered hard to place? It didn’t do anything wrong. Well, we have a few reasons that your house could fall into the hard to place category, and we’ll explain a possible solution.
’Tis the season for online shopping, right? With a delicious Thanksgiving dinner behind us, it’s time to turn to the next big day on the calendar – Cyber Monday. There are a lot of deals to be found online on Cyber Monday, and if you’re planning on getting a head-start on your holiday shopping you’re probably gearing up to brew some coffee, put on your glasses, and stare at the computer for a few hours.
The only thing is that online shopping can put your credit card information and identity at risk. Sure, there are lots of great things about online shopping, but you have to be careful to keep your personal information, well, personal. Check out these eleven tips for preventing identity theft on Cyber Monday.
The National Fire Protection Association reports that over the Thanksgiving season, fire departments respond to an average of 1,000 turkey frying incidents. These accidents also cause about $15 million of property damage each year. Besides having a stellar home insurance plan, it’s important to know the other preventative measures to take before, during, and after frying up this famous Thanksgiving fowl. Here are some tips for deep frying your turkey so that you don’t have to make an emergency call to your fire department or your home insurance agent.
If you ever find yourself in the position of having to file a home insurance claim, you might be feeling a little stressed out. Whether it’s a fire, water damage, a fallen tree that damaged your roof, or a burglary, filing that home insurance claim might have you pulling your hair out a little. It might seem like a very intimidating thing. Maybe downright scary. But we’ve got some pro tips to help you through the process of filing that home insurance claim.
Your home insurance is more than dollar signs disappearing from your bank account in the form of premium. It’s kind of like a superhero that can swoop in to help you in a variety of situations. Along with providing coverage for your house and your belongings, it can also help you out by covering “other structures.” What is other structures coverage, exactly? We’ll explain what’s covered, how much coverage you have, and explain how it works.