As home prices claw their way back to prerecession levels, you may be wondering if you need to increase the limits of your homeowners insurance to cover the increased value of your home. Unfortunately, the answer to that question will vary, and it depends on many factors. One of the biggest questions you need to […]
Homeowner’s insurance will protect you from a variety of losses and damage. Everything from fire, theft, storm damage and injuries on your property will be covered by your policy. In order to provide this protection, insurers rely on an accurate assessment of your home. They have to take into account all risks associated with your […]
A recent report by Enservio Inc, a company that helps insurers settle contents claims on homeowners policies, found that claimants often report a value for their damaged or stolen belongings that is almost double the retail price. While the report does not provide proof that customers are lying about the value of their contents to […]
Home automation can quickly turn your humble homestead into a “smart home” that can warn you, or your insurer that your alarm system has not been turned on or the front door has been left open. As houses become smarter, insurers are considering the opportunities that home based telemetric devices offer for accessing and monitoring […]
The last thing any homeowner wants to hear is that they have mold in their home. It instantly brings to mind terrifying stories of toxic mold poisoning you and your family. Even if the mold proves not to be toxic, you can expect a long, difficult and very expensive cleanup before your house is back […]
The day that you close on a new house is unforgettable. It’s always exciting and a bit nerve wracking. At the end of the day you will get the keys to your dream house, but before that happens there are tons of papers to initial and sign as well as dozens of things to arrange. […]
Young renters across the country, from Atlanta, Georgia to Los Angeles, California are not carrying renters coverage and many of them are completely unaware of the benefits it provides. A recent study by Nationwide Insurance found that while millennials are renting houses and apartments in record numbers, the majority of them, roughly 56 percent, do […]
Shopping for a second home can be exciting. Sitting out on the deck drinking wine and taking in the beautiful views while getting away from the hustle and bustle of your regular life is a dream for most of us. It doesn’t matter if it is a beach home in Naples Florida, a lake cabin […]
As we move into wildfire season we thought it would be helpful to look at how you can prepare your home and property to defend against wildfire damage. Wildfire season starts in late spring, extends into late fall and causes billions of dollars in damage every year. Properly preparing your house can mean the difference […]
The recent and tragic mudslide in Washington has served as a stark reminder that Mother Nature is powerful force. Unfortunately, it is also a reminder that not all natural disasters are covered by your homeowners policy. While the typical homeowners policy provides protection against a large number of issues both big and small, it doesn’t […]