Okay, we get it. Taking a home inventory is hardly an exciting way to spend a weekend. Walking around, writing things down on a clipboard…yeah, maybe not the most fun thing to do on a Saturday. But it is very important when it comes to your insurance. A home inventory is basically a list of all the items in your house. No one wants or asks for their home to be destroyed, but if the unthinkable happens and a fire or burglary strikes your house, you’ll be better off if you have a detailed list of everything you own.
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.
Are termites covered in my homeowners policy?
If you found this article, then chances are you’re looking to know whether or not termite damage is covered by your homeowner’s policy.
Did you know that a silent destructive force could be slowly taking your home apart bit by bit? It sounds like the making of a bad science fiction movie, right? In reality, we are talking about termites.
Here’s a not-so-fun fact: Did you know that every year, termites are responsible for $1-2 billion in property damage in the United States?
How is a home insurance premium calculated?
Everyone wants cheaper insurance for their home that provides the best coverage.
How does an insurance company calculate your homeowner’s insurance rates? What makes one house more expensive to insure than another? The answer may surprise you. Here are some of the things that are used to figure out your homeowner premium.
How to protect your home from hurricanes
Did you know that hurricane season officially runs from June 1 through November 30 each year with the busiest time between mid-August and mid-September?
What does that mean for you? It’s time to batten down the hatches! While Georgia has not had a “direct hit” hurricane since the 1800’s, we certainly can get heavy rain, high winds, or tornadoes from the remnants of the Atlantic and Gulf coast storms. That raises an important question:
What can we do to protect our homes and families from hurricanes?
Here are a few helpful tips so that you and your family will be prepared ahead of time.
What is the dangerous dog list?
Our best advice for pet lovers is to call your insurance agent before buying your next dog. Why? Are you sitting down? Your insurance company might drop you if you select the wrong breed. Seriously. It’s the truth.
This raises a few common questions from our fellow animal lovers:
- Why are certain breeds blacklisted?
- Which breeds may cause me to be ineligible for home insurance?
Let’s go ahead and tackle one of these at a time.
What is renters insurance and what does it cover?
Renters insurance for apartment and home renters is the equivalent of what home insurance is for a home owner.
As you might already know, there are several forms of home insurance. Renters insurance is considered HO4 Contents Broad Form Insurance.
The major difference is that a homeowners policy covers structural damage, while renters tenant policy only covers the apartment dwellers contents.
Will my homeowners policy cover my college students belongings?
It seems like just yesterday that your child started grade school and here they are now headed off to college university. You have always been there for your child. You have done your best to teach them the difference between right and wrong. You have taught them how to make good choices. You have also done your best to protect them from harm. Now its time to send them off into the world to find their way on the road to adulthood and success.
Does My Homeowners Insurance Cover Flooding?
Does my home insurance policy cover floods?
Tens of thousands that suffered catastrophic consequences from Hurricane Sandy, Andrew, Katrina, and more recently Harvey learned the hard way that the answer is no. Many are surprised to learn that their homeowners and renters policies do not cover flooding.
Preventive maintenance is the key to lower home insurance rates
Ignoring these preventive maintenance tips is the same as just sitting back & watching your homeowners insurance skyrocket! Just as you need to eat healthy, take supplements and exercise regularly to maintain your health, their are certain things we all need to do to maintain our homes. Your home is probably the most expensive thing you’ve bought to date. Depending where you live, it could be anywhere from a hundred thousand to over a million dollars. That is a heck of a lot of money.
How to choose a roofing contractor for hail damage repairs
Don’t make these common mistakes when choosing a roofing company to repair your hail damaged roof
Hail storms cause everyone to stick the car in the garage and grab the kids to run inside. Let’s face it, just one short hail storm can cause a lot of damage very quickly. It can tear up your roofing shingles and cost thousands of dollars for the hail damage repairs. If you have suffered from hail damage, then you might be wondering who you should call to fix it. We want to help you to avoid some of the common mistakes homeowners make when selecting a roofing contractor.