Which Disasters Are Covered by Homeowners Insurance?

Homeowners insurance covers you for many disasters, but which ones specifically, and which ones does it not cover? The standard homeowners insurance policy covers a diverse and wide range of disasters. Everything you need to know is inside of your home insurance policy, but the language can be a bit arduous to decipher. If this is the case, you can talk to your insurance agent and get a clear understanding of what is and is not covered. To get a broad idea of what is covered by the general Read More

Home Warranty & Homeowners Insurance: What’s the Difference?

Learn the real difference between a home warranty & homeowners insurance. While both a home warranty and homeowners insurance are great to have under your name and your home, they offer different types of protection. Be sure you know the difference between the two and why you should consider getting both. Home Warranty A home warranty is a service contract that provides cover, replacement, or repair of your components and systems that fail due to age, or standard wear and tear. This Read More

When to Update Your Homeowners Insurance

Ensure your home has the protection it needs when you need it the most. Tasks for home care and maintenance ranges from cleaning the gutters to shining the silverware, to reviewing your homeowners insurance regularly. As it turns out, the latter is the task most forgotten about, yet provides an abundance of protection for your finances, home structure and contents. If you don’t update your policy regularly, you could miss out on discounts and overlook glaring coverage gaps. Here are three Read More

Talking Turkey: Safety Cooking Tips

Hosts, keep an eye on your Thanksgiving safety. The kitchen is the heart of the home, especially on Thanksgiving when there is a festive feast being prepared! If your house is due to be bustling with people while you are cooking up a storm in the kitchen, review these fire prevention tips beforehand: Avoid wearing any loose or dangling clothing while cooking. (You can do a quick outfit change before sitting down to tuck into dinner!) Keep children and pets away from the stove and Read More

Do You Know What Your Stuff is Worth?

Your home is full of all of the belongings you’ve collected throughout your life! While you may know what you have, do you know what it’s worth? Knowing what everything is worth is the most important factor when deciding how much property coverage you need. You may have some items that are worth much more than you think. If you have any of the following items, you may want to consider raising the property coverage option in your homeowners’ insurance policy. Eclectic jewelry. Even if you’re Read More

Three Tips for Home Maintenance This Spring

Daylight savings time is here, giving everyone more evening sunlight. After you've adjusted to this time change, use those evening hours to get a jump on some spring home maintenance chores. Tackle one task each evening, and by the time warm weather is here, you will be able to enjoy the outdoors guilt-free. 1. Change your filters. Many people do well with remembering to change their furnace filters. However, many other expensive appliances have filters that should be checked and cleaned or Read More

Preparing Your Home for Natural Disasters

Natural disasters can strike without warning and cause hazardous destruction to your home. Here are some tips for preparing a disaster plan to keep your home safe through natural events that could strike in your region: Downpour and Flooding – calk exterior cracks, install a waterproof membrane along the foundation and apply sealant to your basement walls. Severe Winter Storms – Keep snow cleared from windows and walls, rake deep snow from the roof and insulate exposed Read More