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.

6 Tips to Lower Your Homeowners Insurance Rates

August 25, 2021August 25, 2021 by Baily Sandage

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.

Top 5 Common Insurance Mistakes

August 18, 2021August 17, 2021 by Baily Sandage

In today’s world, it’s impossible to go without insurance and live a stress-free life. Insurance is a safety net that keeps you from experiencing financial burden due to insurance claims. It can protect you from liability suits, natural disasters, or any unforeseen circumstances. However, it can be complicated and there are some common insurance mistakes that a lot of people make.

Unfortunately, a majority of these people don’t find out they’ve made a mistake until it’s too late. You don’t want to be stuck paying too much for insurance or not having the proper coverage.

Here’s a list of the top 5 insurance mistakes people are making.

How to Prevent Your Desktop or Laptop Fire From Burning Down Your House

August 3, 2021 by InsuranceHub

Who would think that a laptop could catch fire? The statistics are pretty surprising.

In 2007-2011, there were an estimated 730 reported U.S. home structure fires involving office equipment per year, resulting in:

11 civilian deaths per year
51 civilian injuries per year
$28 million in direct property damage per year

Forty-eight percent of the time, a computer was the cause of the fire. So, what causes the fires?

What Does a Typical Homeowners Insurance Policy Cover?

June 20, 2022August 2, 2021 by Katelyn Betts

Your home is probably one of the largest investments you’ll make in your life. Homeownership comes with many benefits, not to mention the pride of owning your own house. However, there are some more complicated aspects of being a homeowner. One of those things is buying home insurance. You might be wondering what exactly homeowners insurance covers and how it protects your home. We’ll go over five different areas that a homeowners insurance policy covers and explain how it protects your home.

call your insurance agent to see if you can get insurance discounts

15 Common Homeowner’s Insurance Discounts to Ask Your Agent About

July 26, 2021 by Baily Sandage

Being a homeowner can be hard work. There’s a lot to think about – what color to paint the walls, how to arrange the furniture in the family room, what kind of light fixtures to put in the hallways…and then, of course, there’s home insurance. If you’re going through the process of buying home insurance, you might be holding your breath and bracing yourself for the cost.

But we’ve got good news: you can save money on your home insurance.

There are these magical things called discounts that can knock the price of your homeowner’s insurance down. We’re going to explain about 15 home insurance discounts to ask about.

Hurricane Season Is Here, Make Sure Your Property Is Protected

July 20, 2021 by Baily Sandage

When hurricane season comes around every year, you’re bound to hear some intense local stories of flash flooding and thunderstorms. Therefore, now is the right time to make sure your home is protected from hurricanes.

While your homeowner’s insurance policy may cover some of the flood damage, it will not offer full protection against the investment losses. So, instead of startling yourself with an unpleasant revelation by the insurance provider that your policy doesn’t cover any or all hurricane damage, it’s best to look for appropriate coverage.

This is where flood insurance comes into play. This post explains how adequate flood insurance can protect your home during hurricane season from damages.

The Rise in Construction Material Costs Can Impact Your Insurance Claims

July 20, 2021 by Baily Sandage

The increasing prices of construction materials have become a threat to many policyholders. Even though soaring prices are well-documented, it is essential to watch out for the trend and its possible implications.

As per the Associated Builders and Contractors analysis, the latest costs of materials has increased by 73 percent since 2020. This change in costs has increased the price of single-family houses by $36,000. In fact, the recent reports indicate that these prices have hit $1,500 per thousand for the first time in the housing market’s history.

Generally home insurance covers falling trees.

With Hurricane Season Starting, Now Is the Time to Take Down Your Dead Trees

July 16, 2021July 15, 2021 by Baily Sandage

Now that hurricane season here, it is time to take down those dead trees surrounding your home. Waiting to address this issue may cause you a lot of money in property damages due to strong winds and storms. And the worst part is that your insurance may deny your claim to cover the cost due to the damage caused by a natural disaster.

This is one of the hurricane-related damages you can prevent if you know the existing threat the trees pose to your property. So, get your thinking cap on and start taking a look around your house to see which of the trees may need removing.

If you believe that some of the trees are quite high and may pose a danger of falling onto your home due to strong windstorms you may need to have someone prune them. Talk with a local tree removal company and see what trees are dead or pose a threat to your home.

Smart Gadgets You Need for Your Home

July 15, 2021 by Baily Sandage

Modern-day homeowners prefer to maintain a state-of-the-art household with the latest smart gadgets and appliances. Thanks to the Internet of Things (IoT), you can now connect your appliances and gadgets with your smartphone for remote access.

Do not think of smart gadgets as a waste of money; they can actually add value to your home’s resale value. For instance, having smart garage doors or a smart heating system will help you get more money for your house.

Does My Home Insurance Cover If Someone Hits My Mailbox?

August 3, 2021July 3, 2021 by Dee Barnett

There are a variety of ways that someone may hit your mailbox. There could have been a group of kids that toppled it over for fun or a driver that wasn’t paying the best attention to the road. Either way, the remains are lying in a heap on your lawn. In these situations you probably wonder who’s going to pay to fix it. Does homeowners insurance cover these types of damages?