Everyone knows that homeowners insurance is essential to protect your investment, but many of us are in the dark as to how our rate is actually determined. Insurers consider a variety of factors when calculating rates and each of them has an effect on the total cost of the policy. It pays to understand the […]
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 […]
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 […]
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 the weather warms up and the snow starts to melt, the odds of water damage to your home rises dramatically. In many states, especially ones that experience a tough winter, water damage is the top cause of home damage and in many cases it can be hard to fix and very costly. While it […]
There are a number of advantages to owning your own home. Being able to make changes at will without the approval of a landlord, building equity in a place that is all yours and the simple joy of owning a piece of the American dream are just a few reasons to buy a house. Another […]
If your roof has been damaged by wind or hail, and you live in the wrong state, you may be on the hook for the cost of the new roof, or at least a large portion of it. In the past few years a number of states in the south have been hard hit by […]
There are plenty of reasons that teens get together for a party, prom, graduation, just about any Friday night and anytime someone’s parents are out of town. Regardless of whether you are hosting the party or junior throws a keg party when you are out of town, the consequences of teens and alcohol in your […]
Winter weather can be hard on your house as well as your homeowner’s policy. Frozen pipes, ice dams and falling trees can lead to expensive claims and in many cases a rate increase. It pays to not only prepare your home for winter but also maintain it properly during the winter season to help prevent […]
If you are thinking about asking your sweetheart to marry you or have recently tied the knot, you are not alone. The holiday season, stretching from Thanksgiving to Valentines Day is when roughly 39 percent of all engagements take place. While your days will soon be filled with seating charts and cake tasting don’t forget […]