Our Blog

Posted on March 17th, 2021 by admin

Did you know that as little as one inch of water inside your home can cause roughly $27,000 in damage? Without flood insurance, repairing that damage is entirely out of your pockets. Most homeowners insurance policies specifically exclude flood damage from protection. As a result, you must purchase flood insurance through the National Flood Insurance Program (NFIP) or through a private insurance company to protect your home and possessions.  Ultimately, through either program, flood insurance offers protection for your home and personal belongings if they are damaged in a qualifying flood event. The better you understand the differences between the…Read More

Posted on February 18th, 2021 by admin

If you’re like most people, you already have multiple insurance policies. Some of the policies you have may include things like: Home insuranceAuto insuranceMedical insuranceLife insuranceWatercraft or RV insurance But do you have umbrella insurance? So, What is Umbrella Insurance? Here’s a hint. It’s not about umbrellas at all. In this instance, the term refers to what it does. Umbrella insurance provides additional protection when it’s raining on you, financially speaking, at a rate that outstrips your current liability insurance protection. In other words, umbrella insurance is a specialized type of liability insurance that handles the overflow when your existing…Read More

Posted on February 17th, 2021 by admin

Far too many people purchase a standard homeowners insurance policy and believe that is all they need. Unfortunately, that leaves them unprotected from more than a few everyday risks, like the eight listed below. Work with your independent insurance agent when choosing your home insurance to ensure you have protection from these risks and others that are important to you. 1. Service Lines You have all kinds of service lines running into your home from the street. In many cities, you may have buried electric lines, gas lines, water lines, sewer lines, and more. Without specific service line insurance, you…Read More

Posted on January 27th, 2021 by admin

You’ve probably heard of loss of use protection when purchasing your homeowners insurance policy. It may not have completely sunk in what it means for you if you ever need to take advantage of this valuable coverage. Whether you are a homeowner or a landlord, loss of use insurance, sometimes referred to as additional living expenses or ALE, can be a life-saver when covered damage occurs to your home.  What Does Loss of Use Protection Include?  For homeowners who reside in their homes, loss of use protection takes on an entirely different meaning. When you’re displaced from your home while…Read More

Posted on January 27th, 2021 by admin

Most homeowners agree that homeowners insurance is essential. At least, this is the case if you want to protect your major investment in your home. However, there are times when you may find yourself without home insurance protection. What happens then? Here’s what you need to know so you can get the protection you need for your home and remain in the good graces of your mortgage company. How Can I Get Homeowners Insurance After Non-Renewal? It’s not fun to feel rejected — especially by your insurance company. Regardless of the reason for your non-renewal, it is important to get…Read More

Posted on January 9th, 2021 by admin

As a new year is here, it’s a good time to review your insurance policies. Life happens, things change, and you want to make sure you are adequately insured.  We’ve put together a list of 5 reasons why it’s a good idea to review your policies annually. 1. Manage Your Personal Life Changes A lot can happen in a year that can have huge effects on your insurance costs, coverage options, limitations, and more. Some of these things include: Getting married Getting divorced Children leaving home/empty nest/child off to college Starting a new job Starting a new business Starting a…Read More

Posted on December 17th, 2020 by admin

If you’re a relatively new homeowner, you may have heard several terms that are new to you. Or, you might have come across terms that are often used interchangeably but serve different purposes. One topic that’s a bit confusing for some is hazard vs. homeowners insurance. But is there a difference between hazard insurance and homeowners insurance? This article will explain and hopefully answer this question for you.  What Is a Hazard Insurance Policy?  Hazard insurance, which is sometimes referred to as building coverage, typically refers to your home’s structure, roof, walls, and floor coverage only. It protects you, the…Read More

Posted on December 10th, 2020 by admin

In the world of insurance, you’ll come across a lot of fancy words and strange jargon that can be extremely challenging to understand. If you’re a contractor, for instance, and you’re speaking with a potential client on the phone, it might seem things are going smoothly, and then they ask you for proof of insurance coverage. You might automatically think they want to see a copy of your current policies and then come to find they’re requesting for you to provide a certificate of insurance (COI). But, do you know what this is exactly and what it does? To help…Read More

Posted on November 30th, 2020 by admin

A basic life insurance policy is a contract between the policyholder and the insurance provider which obligates the provider to pay a death benefit upon the death of the named insured.  The death benefit is then paid to the to the describd beneficiaries. This is in exchange for premiums the policyholder or policyowner pays to the insurance provider.  What Does Life Insurance Coverage provide? Some things life insurance can provide are: 1. Everyday Expenses and Monthly Bills Chances are, you’re paying for a mortgage or rent, utility bills, and essential household items like groceries, cleaning items, and more. These bills…Read More

Posted on November 24th, 2020 by admin

You’ve just found the ideal place to rent. It’s close to work, has an amazing view, and comes with a bunch of other perks. But, one thing you might not have thought of is “will my landlord require me to have renters insurance?” They might have told you your application looks good, and with a down payment, you’re all set to move in. But, in some cases, they might also require you to get renters insurance before finalizing the lease. That may make you wonder, can landlords require renters insurance? The answer is yes, landlords can require their tenants to…Read More