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homeowners insurance increase

Why Did My Homeowners Insurance Premiums Go Up?

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…

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high value item coverage

4 Steps to Insuring Collectibles & High-Value Items

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,…

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Do I need insurance if I’ve paid of my mortgage?

Do Insurance Needs Change When the Mortgage Is Paid Off?

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…

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Crown Jewels of Britain

The British Crown Jewels Are Uninsurable!

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…

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insurance for other structures

Other Structures: What They Are and How They’re Insured

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…

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