Homeowner’s insurance is extremely important in protecting your home from damages or other losses. It is essential to have in case of a disaster, robbery, or other instance. However, there may be things in your policy that are not covered that you are unaware of.
In this article, we will discuss what items or events may not be covered under your homeowner’s insurance policy. No home should be without insurance. Therefore, knowing what to look for in your policy can help you get the best possible coverage without any surprises down the line. To get more information on the subject, reach out to so that we can assist you in picking the best insurance coverage.
Why buying a home is more than just “having some money saved.”
So you’ve decided to buy a house—congrats! 🏡
You’ve been saving like crazy, skipping lattes, selling random stuff on Facebook Marketplace, and maybe even putting off that beach trip. But now someone hits you with:
“You’ll need a down payment and closing costs.”
Wait… what now?
Don’t worry—at Johns Creek Mortgage, we’re all about breaking things down into normal-human language.
Let’s be real: picking the right homeowners insurance can feel overwhelming. You’re not just buying a piece of paper—you’re buying peace of mind. Whether it’s protecting your family home, a summer retreat, or a high-value property, the fear of overpaying or missing out on the right coverage keeps a lot of folks up at night. Maybe you’ve wondered if Travelers homeowners insurance is the right choice but felt stuck, unsure if you’re getting the best deal or if it even covers what you truly need.
Owning a luxury home is a source of pride, but it also comes with unique challenges. Standard homeowners insurance simply doesn’t provide the level of protection needed for high-value homes, leaving many homeowners underinsured. If you’ve ever wondered whether your home qualifies as high-value or why specialized insurance is crucial, you’re not alone. Many homeowners face the frustration of policies that don’t fully cover their property’s true worth.
You’ve filed a claim, gone through the assessment process, and finally, your insurance company has issued a check for the damages. But now you might be wondering—do you really have to use that money for its intended purpose, the repairs? Or is it okay to pocket the cash and use it for something else? As with most things in insurance, the answer depends. Let’s break it down.
The best time to learn about what’s included in a basic homeowners insurance policy is before you have a claim. We’ve gathered the answers to the most common “Am I covered if…” questions about your homeowners insurance policy to help you minimize any coverage surprises.
No home is immune to the risk of theft. Whether you’re looking to protect your home while you are on an extended vacation or simply away at work for the day, it’s important to take precautions to help deter criminals from targeting your property. Be sure to utilize these home theft prevention tips to keep your property secure and help mitigate the likelihood of burglary while you are away.
When it comes to your home, making sure you’re adequately insured is of the utmost importance. Despite this, many homeowners are unaware of the “80% rule” for home insurance and, as a result, find themselves underinsured when trying to replace their personal property after a loss. Understanding the 80% rule—and following it—can help you protect yourself and your home.
Home insurance costs homeowners around $1,200 a year on average. If we’re being honest, you may be paying more than you need to. Luckily, there are a few ways you can save on your home insurance. Follow these 9 steps to ensure you’re getting a quality policy for a reasonable rate.
Vacations should be stress-free and easy-going. However, enjoying trips to the fullest is a bit difficult if you constantly worry about your property back home. It’s quite understandable if you’re worried about the security of your home and don’t want to face any issues when you get back. Fortunately, there are some easy-to-follow steps to prepare your home for vacation.
We understand that planning vacations are hectic enough on their own. Therefore, we’ve compiled some tips to keep your home safe while you’re on vacation.
Having a smart home security system is a great way to avoid burglaries, theft, and unwanted intruders. Due to the advancements in technology, security systems have become more connected. For example, most systems now include smart thermostats, outlets, and smoke/carbon monoxide detectors. These devices also allow you to control them via an app.
So, not only do these cool new gadgets add convenience to your home, but they also save you money in the long run. In this article, we will discuss how smart home security systems can save you money.