In many cases, when shopping for a homeowners insurance policy people tend to overlook the personal liability coverage portion of the policy. This can be a dangerous move as personal liability can be a lifesaver in certain situations. If you are shopping for a new homeowners policy, make sure your agent takes the time to […]
Hurricane Dorian approaching the Carolinas – September 5, 2019 Hurricane Dorian did major damage in the Bahamas and is currently lashing out at the Carolinas. If your home has been damaged or destroyed by Dorian or another major weather event, you probably have questions about just what your homeowners insurance will cover. We are here […]
Recently released data in California shows that insurance companies have declined to renew almost 35,000 homeowner insurance policies in wildfire prone areas since the state started collecting this data in 2015. The data did not specify how many of these homeowners managed to find another policy elsewhere or how much of an increase they had […]
There is no doubt that climate change will impact everyone’s future but as sea levels rise, temperatures climb and more hurricanes, tornados and forest fires hit the United States, it will impact some states harder than others. Recently, ValuePenguin used data from the Union of Concerned Scientists (UCS) and found that three states, Louisiana, New […]
Unfortunately, many homeowners never read their policies and are unaware of what is covered and even more importantly, what is not covered. The storm season is well under way and has already delivered some severe damage to numerous locations. When a severe storm hits, most homeowners want to know if their homeowners insurance policy will […]
Summer time is here and for many of us that means vacation. If you are headed off on a summertime break, make sure that in addition to packing your bags, stopping the mail and booking your accommodations that you take a few steps to help protect your home. According to the FBI, crime rates increase […]
When it comes to homeowner costs, most of us are aware we have to cover the mortgage, property taxes and homeowners insurance as well as regular maintenance costs. However, there is another expense lurking in your home and if you are not prepared it can be a financial disaster. We are talking about surprise emergency […]
The roof on your house provides shelter, moves water or snow off your house and protects you from the elements. It is an essential part of any house and should be properly maintained and replaced when it has reached the end of its useful lifespan. Replacing a roof can be confusing and expensive. What many […]
The Florida House passed an assignment of benefits reform bill on Thursday despite objections from contractors and the Restoration Association of Florida. The bill passed on a 96-20 vote on hopes that the changes will help keep insurance prices steady or even make them more affordable. However, the House and Senate have not been able […]
While the assignment of benefits (AOB) form is a pretty standard practice in the United States insurance industry, rampant fraud in Florida has led to a shocking increase in the number of AOB filings over the past decade. An AOB contract signs over your insurance benefits to a third party such as a contractor or […]