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.

Tips for Protecting Valuable Items in Your Home

October 19, 2021October 14, 2021

If you think your homeowners insurance policy covers all your valuables, you’re mistaken. Most policies exclude coverage for certain items or limit it. These limits are put in place to keep homeowners policies affordable.

These limits or exclusions typically apply to high end items that are stolen or damaged, such as jewelry, watches, art, purses, etc. For instance, most policies have a coverage amount of $1,000 or $1,500 for stolen jewelry. Therefore, if you have a piece of jewelry worth $2,000 stolen and your policy limit is $1,000, you’ll only receive that amount from your insurer to replace it.

Luckily for you, there’s an add-on that increases your coverage for valuable items. If you’re unsure if you need extra coverage for your valuables, here’s some tips to make an informed decision.

2021 Fall Home Maintenance Checklist

October 12, 2021

Fall’s an excellent time to do some home maintenance before the cold and snowy days arrive. After all, you’ll have a harder time making repairs during the colder months. This is especially true if you live in a region that experiences cold and harsh winters. Here’s a checklist comprising the most essential fall home maintenance tasks to complete before the winter weather arrives.

5 Homeowners Insurance Discounts You Probably Aren’t Aware Of

October 7, 2021

Home insurance prices have steadily increased across the country over the years. In just the past decade alone home insurance premiums have risen 47 percent. According to ValuePenguin, the average yearly premium is around $1,500. In that case, does getting homeowners insurance discounts sound like a good deal?

Yes, you read that right! Just like bundling your auto and home, you can obtain homeowners insurance discounts to lower your rate. It’s important to know that insurers take into account several factors to determine your rates. That means you can get potential discounts on your existing homeowners insurance policy that you might not be aware of.

In this article we will go over 5 different homeowners insurance discounts that might apply to you!

Home Insurance vs. Home Warranty

October 19, 2021September 30, 2021

Home warranty and home insurance are terms many people use interchangeably. However, both have very different meanings from one another. A home warranty offers coverage for the repair and replacement of major appliances and systems in the home. Usually warranties last for one year or more and can possibly be renewed afterwards. A typical homeowners insurance policy provides financial protection in the event of an accident or disaster happening to the home.

It’s worth mentioning that home insurance and home warranty are both important tools that play a crucial role in reducing financial burden. However, both tools play very different roles for homeowners.

In this article we will talk about home insurance vs. home warranty and why you need it.

Does Homeowners Insurance Cover Mold Damage?

September 30, 2021

Dealing with mold can be quite a headache for any homeowner. The damage it can cause can be quite extensive and can cost hundreds of thousands of dollars in repairs. Not to mention, it can be extremely detrimental to you or your family’s health.

In fact, there’s several types of mold and some are more dangerous than others. Mold can grow more rapidly in your home due to warmer climates or water damage. Ultimately, the best way to avoid this stressful situation is to regularly clean your home and monitor it for any water damage. However, we can’t always prevent disasters from striking.

In this article we will discuss whether or not mold is covered under your homeowners insurance policy.

Was Your Home Damaged From Hurricane Ida?

September 23, 2021

Hurricane Ida has proven to be one of the most disastrous hurricanes in the past few years. The Consumer Federation of America pointed out that the National Flood Insurance Program and private insurers will pay for the damages. More specifically, the damage will cost insurers an estimated $31 billion.

If your home was one of the many to fall victim to the hurricane, you should be filing a claim with your homeowners insurance. As long as you have insurance coverage, you won’t have to cover the expenses yourself. However, no private insurance company has a policy for flood damage, as that is something that the NFIP covers.

Can My Credit Score Affect My Homeowners Insurance Rate?

October 19, 2021September 15, 2021

The companies that make a profit from your “history with money” will dig up your credit score one way or another. If your ratings in particular areas are good, you get plenty of benefits. However, if one of these records is in poor shape or is unsatisfactory, it becomes challenging to invest in property, buy a car, or even find a reasonable insurance policy.

Your credit score rating will dictate a lot of the decisions you make and your purchases. In fact, it can even affect the rates you pay on your insurance.

Will My Homeowners Insurance Cover Termite Damage?

September 1, 2021

Pesky bugs or insects can cause severe property damage. This may sound surprising, but termites cause $5 billion in property damage each year. This is according to the latest survey by the National Pest Management Association.

It makes “will my homeowners insurance cover termite damage” a worthy question to ask. Keep on reading to learn the answer.

What to Do if Your Insurer Won’t Renew Your Homeowners Policy

August 25, 2021

Over the past few months there’s been an increase in homeowners policies not being renewed. This is because many insurance companies have steered clear of high risk areas. While many Californians struggle to find the right coverage, a large group of Floridians have to deal with nonrenewals amidst hurricane season.

Since hurricane and wildfire season is here, having the right coverage is more important than ever for your home’s safety. But what if your insurer refuses to renew your homeowners insurance policy? Here are some options if you find yourself in this situation.

6 Tips to Lower Your Homeowners Insurance Rates

August 25, 2021August 25, 2021

Do you own a property? If yes, then you must know that homeowners insurance is one expense you can’t avoid. The two important factors that decide the cost of home insurance rates are your home’s age and its location. However, the average insurance premium for homes is $1,192.

It may seem like a big expense, but keep in mind that you get the amount reimbursed if your property suffers any damages. That means having homeowners insurance is one way to protect your most valuable investment. Moreover, lenders or mortgage companies also require homeowners to buy homeowner insurance.

Regardless of the type of homeowners insurance you opt for, you need to ensure that you get the best policy for an affordable price. Here are a few tips to decrease your homeowners insurance rate.