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.

The Best Homeowners Insurance for Seniors

November 4, 2021 by Baily Sandage

With the right homeowners insurance, seniors can have peace of mind and focus on the things that are important. These can include spending time with family or enjoying retirement.

But what’s the best home insurance for seniors?

This can be determined by having a sufficient understanding of coverage limits, options, and discount opportunities. The best policy will meet the unique needs and circumstances for each person. If you were wondering what the right homeowners insurance is for seniors, you’re in the right place.

What Happens if My Home Insurance Lapses?

November 2, 2021November 2, 2021 by Baily Sandage

As a homeowner, your home insurance policy lapsing can mean bad news for your property. If your home faces damage during this period, your insurance company won’t compensate you. But how can a home insurance policy lapse in the first place? Even small reasons like failing to make a payment on time can cause your provider to drop the policy.

Luckily, handling a lapse in your insurance is relatively simple. All you need to do is pay your late bill and they should reinstate your coverage. However, that doesn’t mean that you should let your homeowners insurance lapse. While you can address the issue fairly easily, it’s risky and may have serious consequences.

We say that because if your policy lapses even for just one day, any damage done during that time won’t be covered. Also, a lapse in coverage will deem you high-risk, resulting in increased premiums. Therefore, learning what can cause a lapse in coverage and how to avoid one is crucial.

What to Do After a Home Burglary

October 19, 2021 by Baily Sandage

Burglaries can be a traumatizing experience for most people. In most cases, homeowners feel like they lost their sense of safety and they’re unsure what to do. It’s always best to have a game plan in case anything happens. Here’s a list of what you need to do if you find out your home’s been burglarized.

Tips for Protecting Valuable Items in Your Home

October 19, 2021October 14, 2021 by Baily Sandage

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 by Baily Sandage

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 by Baily Sandage

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 by Baily Sandage

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 by Baily Sandage

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 by Baily Sandage

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 by Baily Sandage

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.