When you start shopping around for home insurance, two types of policies stand out. You’ll have to choose between market value coverage (sometimes called Actual Cash Value coverage) and replacement cost coverage, and the decision you make about that will favor everything about the way your claims are processed and paid out if something terrible …Read More
Insurance Companies & Package Policies
Insurance consumers should be aware that the home insurance market, including condominiums and renters, is changing. Many carriers who once offered standalone, or monoline, homeowner’s policies no longer offer this type of policy. Other carriers who still choose to offer standalone policies generally do so with reduced coverages and higher premiums. In other words, as …Read More
Affordable Home Security Systems
No one wants to look back at a break-in or a tragic event involving home intruders only to realize there was something they could have done to prevent it. With a multitude of tragedies in life, there’s absolutely nothing you can do. But where intrusions and burglaries are concerned, you can protect your home and family. It simply …Read More
How to Insure a Vacant, Unoccupied, or Seasonal Home
Most of the time, the majority of homeowners will never have to deal with vacancy or inoccupancy. Both are insurance topics that generally don’t matter until something happens like a fire or a flood. At this point, both the vacancy and inoccupancy can be serious problems for homeowners, but we’ll get into that later. To …Read More
Hiring a Contractor – What Insurance Coverage Should You Require?
Are Contractors Responsible for Accidents During Home Improvement Projects? If you hired a contractor to work on your home and they sent a tree crashing through your neighbor’s roof, what would happen? Would the contractor pay for everything? Could your neighbor sue you? Keep reading to find out. Yes, Your Contractor is Responsible for Their …Read More
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