You haven’t filed a claim. You haven’t built an addition or made any changes to your home. So why did your insurance premiums go up? With inflation raising the costs of many items, you may assume that’s why your premiums…
Whether you collect unique items as a hobby or you own expensive jewelry or artwork, it’s important to make sure these high-value items are covered by your homeowner's insurance policy. While your policy likely provides general, limited coverage for collectibles,…
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 you’ve filed multiple claims in a short time frame, drop…
Congratulations! You’ve paid off your mortgage. Your mortgage payment probably included extra funds for property taxes and insurance. Of course, you’ll still have to pay taxes. But now that you don’t have a lender requiring insurance, can you drop your…
Property, casualty and vehicle insurance can be complicated. This probably helps explain why some misconceptions about insurance persist, even among people who’ve been buying insurance for years. Here are some mistaken beliefs that are surprisingly common. All policies are pretty…
One of the most valuable things you can do to protect yourself in case of a fire, burglary or similar event is to compile a home inventory. Now, when you’re probably home more than usual, is a great time to…
Some things (like the importance of quality service) never change... and that's a good thing. We came across an article written 19 years ago featuring our agency's dedication to quality service. All of our "Secrets to Success" still ring true,…
It's unbelievable how such a rare, incredibly valuable collection like the British Crown Jewels is uninsurable. Your precious collection may be worth slightly less than £2.7 billion so it would be worth your time to inquire about its insurability. The…
What is considered Other Structures on homeowners 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 protection for other structures. “But,” you say, “I don’t have…
Chances are, if your home were destroyed tomorrow, your insurance company would only pay for part of it. According to national surveys, 60% of all homeowners are underinsured. And not just by a little: CoreLogic estimates that some homes are…