homeowner’s insurance

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.

Getting home insurance for a hard to place home can be a challenge.

Why is my home “hard to place” for insurance?

June 6, 2021November 26, 2018 by Katelyn Betts

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.

We've got some tips for filing a home insurance claim.

How to deal with a home insurance claim

June 6, 2021November 12, 2018 by Katelyn Betts

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 a home insurance claim.

Your home insurance most likely includes other structures coverage.

Other structures coverage: Is my shed covered by home insurance?

June 6, 2021November 5, 2018 by Katelyn Betts

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.

Loss of use coverage can protect your family in the event of a loss.

Additional living expenses coverage: Will home insurance cover my hotel bill?

June 6, 2021October 29, 2018 by Katelyn Betts

Your home insurance covers a lot of different things – and it does a lot of cool tricks. It protects the structure of your home. It covers your personal belongings. It even covers your liability if a guest gets hurt. But will it cover your hotel bill if you face a loss that requires you to leave your home and stay somewhere else? There’s this other section that your policy should have that’s called additional living expenses (or loss of use coverage), and it can cover a hotel stay. What is additional expenses coverage? We’ll explain.

Your home insurance premium is the cost of your insurance policy.

Three home insurance numbers you need to pay attention to

June 6, 2021October 1, 2018 by Katelyn Betts

Well, you’ve got this insurance policy to protect your home – and your bank account – in case a disaster happens. The thing is, there are a lot of different terms and vocab words in there that are confusing. Some of them are even attached to numbers – yikes. We’re going to explain three different insurance numbers you need to know about when dealing with your home insurance.

Certain perils are covered by home insurance

What perils are covered by home insurance?

April 11, 2024September 24, 2018 by Katelyn Betts

So, you have this shiny, fancy home insurance policy to protect your home. It’s got lots of words in it. While you know that your home insurance is like an invisible financial safety net, you might be wondering what home insurance does. What tricks does it do? What special features does it have? What’s the quality of the camera? Just kidding. Bottom line: what does home insurance do? We’re going to explain what perils are covered by home insurance.

Did you know these eight home insurance myths?

8 home insurance myths that you need to be aware of

June 6, 2021August 13, 2018 by Katelyn Betts

Home insurance can feel very complicated, and there are many home insurance myths you should be wary of. Many of the rumors that persist about home insurance can be harmful to you financially, and it’s important to have all the facts when you insure your home. We’re in the mood to bust a myth, so check out the following home insurance myths – and discover the truth.

Home insurance will protect your belongings against covered losses.

Does home insurance cover personal belongings?

June 6, 2021August 6, 2018 by Katelyn Betts

Your home insurance does a lot of cool things. Yeah, it might seem like it’s just kind of there most of the time, but it’s protecting you from the possibility of financial loss. You might have some questions about what your home insurance covers – including whether home insurance covers personal belongings. We’ll explain how home insurance covers your possessions, how much personal belongings coverage you need, and the difference between replacement cost value and actual cash value coverage.

Your home insurance can cancel your policy for a handful of reasons.

Can my home insurance company cancel my policy?

June 6, 2021July 30, 2018 by Katelyn Betts

Home insurance might not be your favorite thing to think about, especially if you get a scary letter saying that your policy has been nonrenewed or canceled. Wait – can they even do that? Just drop your home insurance policy and leave you with no coverage? Well, the answer is yes, in certain circumstances. But first of all, we have to explain the difference between your policy being nonrenewed and your policy being canceled – they’re two different things, and the distinction makes a difference when you’re trying to get home insurance after losing your coverage. We’ll explain what nonrenewal is, what cancellation is, and why home insurance companies cancel insurance.

July 28th is National Insurance Awareness Day

June 25, 2021July 27, 2018 by Katelyn Betts

July 28^th is a very important day in the insurance world – and it’s one that we encourage you to observe! It’s National Insurance Awareness Day. Okay, okay, we get that insurance might not be the most exciting thing in the entire world. You might wonder why you should care about a day devoted to insurance of all things. While the Fourth of July might be a tad bit more exciting, that doesn’t mean National Insurance Awareness Day should be overlooked.