Category: Homeowners Insurance

Protecting Your Home Through The Seasons

Blazing sun, sub-zero temperatures, or any extreme weather conditions can wreak havoc on your home. Seasonal maintenance can go a long way toward preserving the condition of your home. The following are home maintenance checklists for winter, spring, summer, and fall. Winter Home Maintenance Vacuum HVAC registers to remove dust and debris. Flush out water heater to remove built-up sediment. Clean refrigerator coils. Check caulking... Read Article

Do I Need Flood Insurance?

You might think you don’t need flood insurance if you live in an area that is considered “high and dry.” Although some areas are more susceptible to flooding than others, flooding can occur anywhere. With heavy rains, spring thaws, or rapid accumulation of rain after a wildfire, flooding can occur in places that are not generally considered at risk. How Does Flood Insurance Differ from... Read Article

Underground Service Line Coverage can Now be added to the Homeowners Policy

Underground Service Line Coverage - Can Now be Added to your Homeowners Policy: As a home owner, it's your responsibility to maintain and repair the exterior water and sewer lines that are located on your property, from the utility service connection to your home.  If the exterior water or sewer line fails, the cost to locate and repair the leak or replace the line will most... Read Article

Homeowners Insurance: When Do You File a Claim?

Homeowners insurance is designed to cover damage to your property caused by certain covered events. It stands to reason, as you are paying your premiums, you should take advantage of available coverage. The reality is, it is not always advisable to file a homeowners insurance claim as it can lead to higher premiums or even cancellation in some cases. Underwriters tend to frown on policyholders... Read Article

Backup of Sewer, Drain, & Sump Pump Endorsement

The Backup of Sewer, Drain, & Sump Pump endorsement is a coverage that can be added to your Homeowners Insurance policy, Landlord Policy, or a Commercial policy.  With this endorsement added to your Homeowners insurance policy, you will now have coverage for events that would have otherwise been excluded.  Let's first look at the definition, to better understand the coverage this endorsement provides. Definition: Provides coverage... Read Article