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Fire Pits are a Hot Trend for Backyards Are they covered?

12 Nov
Backyard Fire Pit

Winter is getting closer every day but just because the temperatures are dropping and the snow will be flying doesn’t mean you have to close up your backyard. A fire pit can make a cold evening an enjoyable adventure and according to landscaping experts, fire pits are gaining in popularity and are a hot choice […]

Oh No! Dog Bite Claims Hit Record High

17 Oct
Dog Bite Claims for Homeowners Are on the Rise

According to the Insurance Information Institute, dog bites are on the rise. The number of claims related to Fido taking a chunk out of a neighbor, friend or family member jumped up roughly 6 percent to 17,359. This figure shattered the previous record which was set way back in 2003. The average cost of a […]

The Top 10 Most Disaster-Prone States

01 Oct
Victims of Hurricane Sandy

Disasters can happen just about anywhere but the truth is that some areas are more prone to catastrophic weather. Floods, hurricanes tornadoes and fires have favorite locales that they pound over and over, putting those cities and states into a special category when it comes to experiencing disasters. If you happen to live in one […]

Insurers adding new, much higher deductibles for wind and hail damage

22 Aug
Home Insurance claims and rate hikes due to wind or hail damage.

If you are shopping for a new homeowners policy or recently renewed your policy, you may want to examine the policy in detail as some insurers are sneaking in a new line item that may have a big effect on your pocketbook if you ever need to make a claim due to wind damage. Insurers […]

Do Solar panels affect your homeowners rates?

31 Jul
Do solar panels affect your home insurance rates?

While solar panels are not yet a mainstream source of power there are getting much closer. More and more people are putting panels on their roof to power their homes and even sell power back to the local utility. According to GTM Research, a new solar system was installed every four minutes in 2013, and […]

Do I need a home inspection to get homeowners policy?

29 May
Do I need a home inspection to get homeowners policy?

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 […]

Homeowners Insurance And Mold: What Is Covered?

08 May
Is mold covered under your home insurance policy?

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 […]

Do you need a homeowners policy in force to close on a house?

02 May
Real Estate closing and homeowners insurance coverage.

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. […]

Flood Insurance Update – they are working on a bill to lower the premium increases

12 Mar
Biggert-Waters Flood Insurance Reform Act

The Florida real estate industry, as well as buyers and sellers of Florida property, are excited about a plan that will scale back the changes to the National Flood Insurance Program which have sent premiums skyrocketing. Huge premium increases have had a dramatic affect on Florida, North Carolina, and Georgia real estate, making the cost […]