Homeowners Insurance and Property Protection Insights
The following articles provide practical information for homeowners seeking to understand insurance, protect their property, and make informed decisions about coverage and risk. You’ll find guidance on common claims, coverage options, maintenance considerations, and tips to help safeguard your home and your investment.
Are These Hidden Hazards Lurking in Your Home?
Don't wait until it is too late - spot hidden home hazards now.Many homes, especially older ones, harbor potentially expensive problems that aren’t obvious—until they are. Electrical systems can fail…
A Homeowner’s Checklist for Home Improvement Projects
For many homeowners, warmer weather means home improvement projects around the house and yard. Whether large or small, follow these steps before starting a project or hiring a contractor to…
What Is Your Liability if Your Dog Bites Someone?
Nearly 90 million dogs live in 65 million U.S. households, with roughly 600,000 dogs in New York City alone. It’s no secret that many humans dote on their “fur babies,”…
Top 5 Homeowners Insurance Claims (and Tips for Avoiding Them)
Homeowners’ insurance offers a financial safety net against many of life’s curveballs. However, each claim you file comes with a risk. Your insurance company can raise your rates, or, if…
Spring Maintenance and Safety Tips for Homeowners
As the days get longer and temperatures climb, many people tackle spring cleaning chores as they air out their homes and spend more time outdoors. We invite you to add…
Homeowners Insurance Quotes: Why Do Insurance Companies Ask So Many Questions?
If you think that shopping for homeowners insurance quotes often feels like an interview . . . you're not wrong. Insurance agents and brokers aren’t being nosy. They know what an…
These 6 Common Homeowners Insurance Myths Could Cost You Money
Homeowners insurance can be complicated. Maybe that’s why two-thirds of U.S. homes are underinsured, according to industry statistics. The complexity of property and casualty insurance probably explains why some misconceptions…
Natural Disasters Anywhere Can Affect Insurance Premiums Everywhere
When a fire, earthquake, hurricane or tornado happens elsewhere in the country, our hearts go out to the people who’ve suffered. We’re also thankful that the disaster happened somewhere else…
How Water Sensors and Leak Detection Technology Affect Homeowners Insurance
Water damage, combined with freezing, represents the second most common cause of home insurance claims, following wind or hail damage. According to the Insurance Information Institute, the average loss of…
Ask These 4 Questions Before Filing a Homeowners Insurance Claim
If your home undergoes major damage from an insured peril, filing a claim against your homeowners insurance policy is a no-brainer. But what if the potential loss is smaller? Is…