Why Your Home Insurance Rates Are Going Up at Renewal

Here are some of the reasons why your premiums are on the rise. While you understand that your home insurance premiums will go up when you file a bunch of claims, you may be surprised when you see your rates increase even though you have a clean claims history.  However, your insurance premiums can also go up due to factors outside of your control.  Here are some of the reasons why your home insurance rates may be increasing. Frequency of Extreme Weather Events In recent years, the Read More

How You Can Avoid Property Damage and Home Insurance Claims This Winter

Homeowners, take these steps to avoid damage and insurance claims caused by winter conditions. Many states throughout the country experience severely cold temperatures and extreme weather conditions during the winter months.  Oftentimes, these harsh conditions can pose a threat to homeowners.  To reduce the chances of your home sustaining damage this winter, here are some of the precautionary measures that you should take. Keep Your Home Heated- Homeowners should keep their home heated to Read More

Homeowners, Protect These Commonly Stolen Belongings

Home burglars target these items the most. During the month of December, the number of home invasions increases significantly.  This is because many people leave their homes unoccupied while they visit their loved ones for the holidays.  If you plan to travel this holiday season, then it's important that you protect your home and belongings.  Here are some of the most commonly stolen household items and what you can do to protect them. Cash Burglars tend to begin their search in the Read More

Secure Extra Coverage with Home Insurance Endorsements

How you can extend your homeowners insurance coverage. As a homeowner, you know that you can rely on your home insurance policy.  Unfortunately, your policy cannot offer you all the coverage that you need.  Oftentimes homeowners need to secure additional coverage through policy endorsements.  But what exactly is an insurance endorsement, and how do you know which ones are right for you?  Here's what you should know. Knowing Your Policy's Limits Before you consider your insurance Read More

Watch Out for These Dangerous Design Trends

Avoid these risky interior design trends. When it comes to decorating your home, you may be tempted to adopt the latest design trends.  However, it's important to understand that certain design trends actually pose a risk to your loved ones and your home.  Here are some of the dangerous interior design fads you should avoid. Vintage Lighting Fixtures One new design trend is incorporating vintage lamps and chandeliers into homes.  However, as vintage lighting fixtures tend to have Read More

What Your Home Insurance Will and Will Not Cover

What your homeowners insurance covers when it comes to these common risks. As a homeowner, you expect your insurance to have your back.  Unfortunately, all insurance policies have limits, and your homeowners insurance is no different.  To ensure that you are not caught off guard, here is what your homeowners insurance will and will not cover when it comes to these common perils. Does home insurance cover theft? Homeowners insurance covers theft both inside and outside your home.  For Read More

Preventing Common Home Insurance Claims

Addressing common sources of home damage. As a homeowner, you want to avoid filing home insurance claims for easily preventable damages.  Fortunately, many common sources of damage can be taken care of with routine maintenance and continued vigilance.  Keep an eye on these vulnerable areas to prevent common home insurance claims. Washing Machine If your washing machine malfunctions, then it can cause significant water damage to your home and belongings. To prevent this issue, you must Read More