Homeowner Articles
Understanding Other Structures Coverage in Homeowners Insurance: What’s Really Protected
What is considered Other Structures on homeowner’s insurance? You’d expect homeowner’s insurance to cover your home from damage, theft and liability. And it does. Your homeowner’s insurance can also offer…
14 Situations When You Need to Contact Your Insurance Partner
When should you contact your insurance agent/broker or insurance company? Of course, you need to contact them to file a claim or when an event may lead to a claim…
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…