Your homeowners insurance policy includes coverage for your personal property, also known as Coverage C. This coverage provides protection for your personal belongings – essentially anything not permanently attached to your home. However, just as any other insurance coverage, there are limits to this protection. It’s imperative to understand your personal property coverage limits so […]
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Insurance policies cover you in the event of a “peril”, which is something that causes or can cause a loss. Events that constitute perils can vary from policy to policy, so it’s important to understand the way your provider writes your policy. There are two types of policies that you can purchase: open perils and […]
Continue Reading...We typically think of Thanksgiving day as a warm, laughter-filled day with lots of anticipation building up to the big feast. However, 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 number one day for home cooking fires, […]
Continue Reading...With a cool breeze returning and leaves starting to pile up, it’s a good reminder to prepare your home for the colder months to come. We have put together a fall home maintenance checklist to help you prepare your home for winter before the temperatures drop. Taking a few proactive maintenance steps now can save […]
Continue Reading...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 […]
Continue Reading...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 […]
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