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Does My Homeowners Insurance Cover a Storage Unit?

Posted on January 23rd, 2023 by admin

If you are a homeowner, getting a homeowners insurance policy can financially protect your house from theft, burglary, fire, or natural disasters.  A standard homeowners insurance policy covers your house, attached structures like a garage, and unattached units like a shed inside your property. It will also protect your personal belongings that are kept inside the house. While most homeowners’ insurance would cover personal property, like jewelry, furniture, clothes, appliances, and other expensive items kept inside the house, it will cover them on a limited basis when kept in a storage unit away from home. Belongings kept in a separate…Read More

The Homeowners Insurance Vacancy Clause and Unoccupancy Clause- What You Need to Know

Posted on January 4th, 2023 by admin

If you are a homeowner and have purchased home insurance to protect your property, you must get familiar with the ‘homeowners insurance vacancy and unoccupancy clauses.’ To understand more about the homeowner’s insurance vacancy and unoccupancy clause, here are some terms you need to know: Vacancy Clause: According to Merriam-Webster, a vacancy clause is typically defined as an amendment made to the property insurance coverage that doesn’t allow the property to be vacant beyond the period mentioned in the contract. When included in the homeowner’s insurance, the vacancy clause would limit the insurance coverage for your home during the period…Read More

How To Lower Insurance Costs Without Reducing Coverage

Posted on January 3rd, 2023 by admin

While insurance is necessary to protect you from the uncertainties of life, you can take specific steps to ensure your overall insurance costs stay within your budget. Although there are some direct-to-consumer insurance companies whose idea of lowering your insurance costs is to reduce your insurance coverage as a quick way to save money, it’s certainly not advisable.  Here are some ways you can lower your costs for insurance while maintaining appropriate coverage. Car Insurance There are many ways to reduce car insurance costs without sacrificing coverage.  Reduce car insurance costs. Insurance companies base your car insurance rate on a…Read More

Different Insurance Needs for a Condo Association vs. Unit Owners

Posted on April 22nd, 2022 by admin

Condominium unit owners and condo associations have different needs than traditional homeowners. If you own a condo, you probably have insurance for your own unit, and the condo association will have its own insurance policy. There are many misconceptions about the insurance needs of a condo owner and the insurance association itself. For example, some people believe that the condo association’s insurance policy is enough to fully protect them, but this is not the case.  It’s important to understand the difference between the condo association and unit owner insurance policies in the case that something happens to your condo. Below…Read More

What’s Affecting Your Insurance Rates?

Posted on February 9th, 2022 by admin

Here are some of the factors that may influence premiums moving forward. Auto Insurance Home Insurance Have Additional Questions? We’re here for you. Please contact us and we can help answer questions you may have about the insurance market trends, assess your current coverages and explore discounts for which you may be eligible. The above graphic is credited to The Travelers Indemnity Company

Halloween Safety Tips

Posted on October 26th, 2021 by admin

The annual apparition of spooky skeletons, broomstick-riding witches, and carved pumpkins is a sure sign fall is well underway. Second, only to Christmas in terms of how much consumers spend on decorations, Americans of all ages seem to love celebrating Halloween. The Halloween spirit has spread to the inside and outside of the home as well, with homeowners setting up elaborate displays that range from haunted houses in the basement to graveyards on the lawn, as well as high-tech LED lighting outdoors. When planning and setting up your Halloween decorations, it is a good idea to consider any potential risks…Read More

Generator Safety

Posted on October 25th, 2021 by admin

Storms or natural disasters can have the ability to knock your power out for an extended period of time. During an outage, portable generators can offer temporary power, but there are potential risks associated with the use of these generators. Generators can be dangerous and can lead to illness and injury, and even death if used improperly. When using a portable generator, it is important to take precautions for your safety and the safety of those in your home. Follow these guidelines for safe generator use: Read the manufacturer’s safety and operating manual before using your generator.Never leave your generator…Read More

Fall Home Maintenance Tips and Checklist

Posted on September 16th, 2021 by admin

Many people have reported that fall is their favorite season. From the comfortable temperatures to all of the seasonal decor – what’s not to love?  Fall is also the perfect time to thoroughly inspect your home and perform any repairs that may be needed before those harsh winter months arrive. Below we have listed out some fall home maintenance tips to add to your checklist. Exterior Home Maintenance There are many things to consider when it comes to maintaining the exterior of your home. Below is a checklist we have provided for you to consider.  This will simplify the process…Read More

Severe Weather Insurance Policy Checkup

Posted on September 15th, 2021 by admin

There’s nothing as disappointing as finding out that your homeowners’ or business insurance policy doesn’t cover certain damages incurred from an accident or storm. In this age of hurricanes, tornadoes, thunderstorms, flooding, sump pump failures, and other unexpected natural disasters, the last thing you want is to pay for such damages out of pocket. And, when you throw winter weather in the mix, with early season ice storms that cause trees to fall with leaves on them, blizzards, and ice dams, there’s even more risk of acquiring costly damage to your home or business property.  Not only are you contending…Read More

Differences Between Condo Owners and Condo Association Insurance Policies?

Posted on September 13th, 2021 by admin

Understanding the difference between a condo owner’s policy and a condo association’s policy can save you lots of money. This is because some condo owners pay for coverage they don’t actually need.  Unfortunately, while these two policies are equally important, few condo owners know the differences between them. For this reason, we’ll discuss everything you need to know about these two types of insurance policies, including the differences between them, their importance, practical examples, and so much more!  But to understand these two insurance policies even better, let’s first define them.  What’s a Condo Owner’s Insurance Policy? A condo owner’s…Read More

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