homeowners

Not all homeowners insurance policies are created equal. Just by talking to your independent agent and securing a policy that is the best fit for your individual needs, you can save hundreds of dollars per year on insurance payments. Here are five tips to help you discover how to start saving now:  1. Deductibles: Think […]

This time of year, there’s something peaceful about lighting a candle and enjoying the flickering light on a cold evening. As an added benefit, many candles come in tantalizing scents like pumpkin pie or cinnamon apple to give your house a wonderful smell. Candles may look harmless, but they can cause devastating damage and loss. […]

Some people refer to mistakes as “happy accidents,” but there’s nothing happy about making mistakes when it comes to home insurance. Here we’ll cover the four biggest mistakes you can make and how to steer clear of them.  Mistake #1: Value vs. Replacement  When you purchase a home insurance policy, you likely want it to […]

Most people purchase homeowners insurance because the mortgage lender requires it. While you may be aware of how homeowners insurance can benefit you, do you know what your policy excludes?   Standard Homeowners Insurance Does Not Cover Flood Damage  There is a general rule of thumb about coverage for water damage to your home. If the […]

For most of us, our home is the most expensive thing we will ever own. So it only makes sense to be sure our homeowners insurance will be there to provide coverage for the more common unexpected events such as fire, theft, wind or hail.  But there are some unusual circumstances that your homeowners insurance […]