Homeowners endorsements are revisions to your policy designed to customize your coverage to suit your insurance needs.
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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...Living situations can change—whether you’re buying a home with a partner, taking in family, or renting a room. It’s important to make sure your homeowners insurance changes with you. As a homeowner, you may wonder who needs to be listed on your homeowner’s insurance policy. Generally, your home insurance policy should match the home deed. […]
Continue Reading...Thanksgiving is a day filled with warmth, laughter, and the mouthwatering aroma of roasted turkey — but it’s also one of the most dangerous days of the year for house fires. According to the National Fire Protection Association (NFPA), Thanksgiving ranks as the No. 1 day for home cooking fires, with incidents more than doubling […]
Continue Reading...As the air turns crisp and leaves start piling up, fall brings more than pumpkin spice and football—it’s also nature’s reminder to prepare your home for the colder months ahead. A few proactive maintenance steps now can save you from major headaches (and potential insurance claims) later. Whether it’s a leaky roof, burst pipe, or […]
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