Water backup can happen when a gutter, drain, or sewer backs up, or when a sump pump stops working, leading water into your home. Accidents caused by water backup can be a nightmare for homeowners and expenses pile up quick. Sitting idly on these issues isn’t an option, unfortunately. Time is of the essence to […]
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Your appliances are protected in the same way that personal property is protected on your policy. This means for a standard HO3 homeowners insurance policy, your appliances are protected from the commonly named perils that are explicitly listed on your policy.
Continue Reading...Homeowners endorsements are revisions to your policy designed to customize your coverage to suit your insurance needs.
Continue Reading...There are several different types of homeowners insurance policies to consider, with HO2 and HO3 being the most common. But what’s the difference between these types of policies? Both HO2 and HO3 policies cover your home structure and personal belongings. So, to help you decide which is the better fit, we’ve broken down both options […]
Continue Reading...With the numerous treats the Halloween season brings, it also has its fair share of tricks. Home insurance claims caused by fire, theft, and vandalism typically increase on Halloween, according to data from Lemonade. As a homeowner, there are plenty of things you can do to prepare and best avoid the nightmare of an insurance […]
Continue Reading...Additional Insured vs. Additional Interest Explained Additional insured and additional interest are two different ways someone can be included in your homeowners or auto insurance policy. In simplest terms, an additional insured is covered by your insurance, while an additional interest is not covered. But an additional interest will be notified when you make any […]
Continue Reading...A homeowners insurance quote is the estimate you’ll pay for a policy. Learn how to read your quote line by line with our handy guide!
Continue Reading...With the recent increase in severe weather and wind-related claims, insurance carriers have been raising windstorm deductibles, some reaching 5% or higher. Homeowners in coastal and storm-prone areas could face thousands of dollars in deductible costs before insurance even begins to kick in. Luckily, carriers are introducing wind deductible buyback policies to help bridge that […]
Continue Reading...When your property is damaged, the last thing you want to think about is paying your deductible. Thankfully, you can lower that cost by purchasing a buyback deductible. A deductible buyback policy is one of the most efficient ways to help save money on your deductible and ease the stress of paying out-of-pocket. Key Takeaways […]
Continue Reading...You put in the work to be a safe driver, why not be rewarded for it? Usage-Based Insurance (UBI) is one option drivers can pick that saves them more money the safer and less they drive. Understanding this auto insurance option can help lower your annual premium significantly. Key Takeaways What is Usage-Based Car Insurance? […]
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