Homeowners insurance is a must have to protect your home as well as your possessions. However, what if it’s a home that you don’t live in permanently, such as a rental or sublet, second home or other property that you don’t occupy on a regular basis, does it still need to be protected by homeowners […]
Homeowners insurance can be a financial lifesaver if your home is damaged or destroyed by a covered peril. However, once you make a claim on your policy, there is a good chance that your premium will be headed up. It is always a good idea to understand what happens after you file a claim and […]
The quick answer to the question “is foundation damage covered by your homeowners insurance” is yes. In most cases any damage to your foundation would be covered unless it is specifically excluded in the policy wording. It should be noted that damage from flooding or earthquakes is almost always excluded from a standard homeowner’s insurance […]
Regardless of whether you live in a townhome, a single-family home or a condo there is the possibility that your property is part of a homeowners association (HOA). An HOA is simply an association based in your neighborhood that is responsible for overseeing the maintenance of common areas, certain amenities, and services in your neighborhood. […]
Purchasing home insurance is an absolute necessity and is an important part of your financial portfolio as a homeowner. Understanding the coverages that your policy provides is also extremely important. While a home insurance policy can seem complicated, they are typically pretty standard and not that mind bending if you have a basic understanding of […]
Moving is difficult, and there are certainly different degrees to it. A short move across town is a lot easier and less expensive than moving an entire household across the country. There is a lot to consider when planning a move, everything from the cost of living in your new location to where you will […]
The answer to the question “does insurance cover roof replacement,” is not always clear cut. In most cases, it will depend on the reason that your roof needs to be replaced. If your roof has simply reached the end of its life, the cost to replace it will fall to you. On the other hand, […]
If you live in a development that has a Homeowners association (HOA), you already know they are designed to maintain the shared community parks, playgrounds and even swimming pools. However, a HOA comes with a fee that can be monthly, quarterly or even yearly. These HOA fees are used to cover repairs or upgrades to […]
Hurricane Ian caused massive damage when it came ashore in southern Florida. One of the most damaging features of Ian was the storm surge which left behind tons of mud, water, muck, and mold where water rushed into homes. Unfortunately, many Floridians are not carrying a separate flood insurance policy to help cover the cost […]
Owning a home is huge financial commitment. There is the cost of the mortgage as well as maintenance costs and the cost of insuring your home. When it comes to insurance, the price you pay for coverage can vary dramatically depending on the variety of factors. Insurers consider the location of your home, the cost […]