Homeowner Articles
Do Insurance Needs Change When the Mortgage Is Paid Off?
Paid off your mortgage? Congratulations! Your monthly mortgage payment probably included extra funds for property taxes and insurance. Of course, you’ll still have to pay taxes. But now that you…
The Difference Between Contents and Structures Insurance Coverage
If you’ve ever purchased—or simply researched—property insurance, you’ve likely encountered the terms “contents” and “structures” coverage. In a nutshell, “structures” refers to the insured building and other structures, and “contents”…
Protect Your Home While Traveling
Planning to travel this summer? If so, you’re not alone. According to the Summer Travel Survey 2024 published by The Vacationer, nearly 82% of American adults plan to travel this…
How to Identify and Address Gaps in Your Homeowners Insurance
You may not have considered homeowner’s insurance policy gaps. You own a home. You buy homeowners insurance. Simple, right? Not always. There are a number of situations a standard homeowner’s…
Stay Safe During National Electrical Safety Month
May is National Electrical Safety Month, making this a good time to review electrical safety. Electricity can be dangerous, whether the hazard is a crane contacting an overhead line or…
Spring Cleaning? Don’t Forget Your Homeowners Insurance
Spring has officially arrived. Daylight Saving Time has returned. And as the weather turns warmer, many people are taking part in the ritual of spring cleaning. This practice often involves…
12 Tips to Avoid Kitchen Fires (and What to Do if One Occurs)
It isn’t just sharp knives and overindulgence in cooking wine that makes kitchens dangerous places. According to the National Fire Protection Association (NFPA), cooking fires are the leading cause of…
Home Replacement Cost vs. Market Value: What’s the Difference?
Homeowners often wonder why their home's replacement cost differs from its market value and how those two numbers should affect homeowners insurance decisions. Your home’s replacement cost reflects what it…
Warning Signs Your Home Could Need a New Roof
The roof is one of the most essential—and expensive—parts of your home. While a roof is built to last years, it will need to be eventually replaced. Also, the actual…
Eco-Friendly Appliances Offer Long-Term Savings and Environmental Benefits
When it comes time to replace appliances, low- to mid-price devices can save money up front while eco-friendly appliances typically carry a higher price tag. It can be tempting to…