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Category: Homeowners Insurance Resources

What is The Difference Between Open Perils and Named Perils?

Posted on August 25, 2022August 26, 2022 by Lisa Totino

Insurance policies cover you in the event of a “peril,” which is something that causes or can cause a loss. Events that constitute perils vary from policy to policy. So what is open peril vs. named peril coverage? Coverage for “open perils” means you are possibly covered in the event of any peril unless it has […]

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Are Swimming Pools Covered By Homeowners Insurance?

Posted on August 10, 2022November 1, 2022 by Lisa Totino

Having a pool is a necessity in the grueling heat of Texas summer and the perfect way to stay cool. You can relax on a float, work out with some laps or play games! However, it can be a liability, especially when insurance is involved. Known as an attractive nuisance in insurance, getting coverage for […]

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Is Damage From Fireworks Covered By Home Insurance?

Posted on June 29, 2022August 3, 2022 by Lisa Totino

When we think of July Fourth, we often think of enjoying a day off from work with pool parties, barbecues, and fireworks. While the day is often filled with laughter and celebration, it’s also typically one of the year’s busiest days for fires. According to the National Fire Protection Association, fireworks start an average of 18,500 […]

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What Is the Difference Between HO2 and HO3 Homeowners Policies?

Posted on June 7, 2022September 23, 2022 by Lisa Totino

With several different types of homeowners insurance to consider, the decision as to which is the best fit for you can become quite overwhelming. Both HO2 and HO3 policies cover your home structure and personal belongings, but which is the better option for you? To help you decide which is the better fit, we will […]

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What is the Difference Between Policy Cancellation and Nonrenewal?

Posted on February 18, 2022July 15, 2022 by Lisa Totino

An insurance policy cancellation and non-renewal are two different things but both mean you need a new insurance policy.

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What Kind of Home Insurance Do You Need If You’re Selling Your Home?

Posted on December 23, 2021September 27, 2023 by Lisa Totino

If you’re selling your home, you likely need new insurance coverage. Learn more about how vacant or unoccupied insurance works to cover you.

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Five Insurance Mistakes Everyone Makes

Posted on December 17, 2021June 20, 2023 by Lisa Totino

Let’s review the five most common insurance mistakes everyone makes and how to avoid them.

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Does Homeowners Insurance Cover Stolen Packages?

Posted on December 7, 2021November 3, 2022 by Lisa Totino

Most people living in the United States today order items from Amazon from time to time. With all those packages ending up on doorsteps across the country, this is also the most popular time of year for package thieves. That’s why today, we are going to go over a few tips to keep your packages […]

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Winterize Your Home: What it is and Why it is Important

Posted on December 3, 2021December 21, 2022 by Lisa Totino

Getting your home ready for the colder months is essential in preventing costly and major home damage. Check out our 8 tips for winterizing your home.

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Texas Social Host Liability Explained

Posted on November 26, 2021November 3, 2022 by Lisa Totino

Everyone loves a great holiday party, and usually, when there’s a party, there’s usually alcoholic beverages. Have you wondered about your liability as a party host? It’s important to know what Texas social host liability is and your responsibilities as a host in case of an injury or accident during your event. What is Social […]

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