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Information on home insurance for individuals.

Creating A Home Inventory

We’ve talked about why creating a home inventory catalog is important. Having a record of your possessions can help in the event of a claim or loss. Now, let’s discuss how exactly you go about creating a home inventory catalog… Step 1. Determine What Tool You Will Use. You could keep a simple written version, for example, check out this one from one of our carriers, or a digital format such as a spreadsheet or Google doc. There are even apps that will help you to create one, you can learn more about [...]

2022-04-26T17:33:18+00:00May 8th, 2022|
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Flood Damage VS Water Damage

From flash floods to roof leaks, we’ve all heard the stories of someone who lost their home to water. The most commonly asked question we get in this case is what is flood damage vs water damage? Let’s dive in… no pun intended. Flood Damage Flood damage is defined by the National Flood Insurance Program as “A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties from: Overflow of inland or tidal waters Unusual and rapid accumulation or [...]

2022-04-26T17:37:39+00:00May 1st, 2022|
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Other Benefits Of Renters Insurance

Renting is a great option when you aren’t quite ready yet to purchase a home or aren’t sure of where you want to settle down. It also has the added benefit of not having to pay property taxes or repair the property when something breaks. However, when renting, there are still some responsibilities and risks you as the renter may be responsible for. Having renters insurance may help mitigate the costs associated with some of those risks and responsibilities. Renters insurance is coverage for your personal property and personal liability. If a loss [...]

2022-03-04T16:50:24+00:00March 19th, 2022|
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Smart Homes and Insurance

“Hey Alexa, can you turn on the lights and lock the doors?” “Hey Google, close the window blinds.” “Hey Siri, change the channel.” From voice-activated hubs to doorbells and locks you control with an app on your phone, the idea of a smart home has become reality. More homes are converting to smart technology lightbulbs, blinds, plugs, and everything you can think of. This evolution has brought about a lot of convenience to our lives, but it also brings a ton of questions… One of the biggest questions we hear from our clients [...]

2022-01-31T16:55:16+00:00February 6th, 2022|
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Personal Article Floater Checklist

When looking to insure your valuable items, a personal article floater is where you go. This coverage is a separate policy, or a rider on your homeowner’s insurance, that provides coverage beyond your standard policy and often includes coverage for losses typically excluded from your standard policy. In other words, a personal article floater is a valuable policy to have. No pun intended. But how do you go about getting one? We have put together this checklist to help! Make a list. Start by making a detailed list of your valuables. Include descriptions, [...]

2021-12-28T19:58:18+00:00January 9th, 2022|
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Home Renovations? Update Your Insurance.

Spring is here and for many that means home renovations! From adding a pool to remodeling the kitchen, many are looking to refresh and renew their home by doing some updates, but you may want to take a moment to consult your insurance agent. Homeowners insurance is dependent on factors such as a home’s size, condition, and the cost to rebuild in the event of a loss. What if those factors change? Home renovations such as adding a deck, or a family room addition can alter the amount of coverage you need. Any [...]

2021-07-27T14:27:39+00:00April 26th, 2021|
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How Ordinance or Law Changes Effect Your Insurance!

Building codes constantly change and are regularly updated. Your home may have been in total compliance with the building codes just a few years ago, but now, it may no longer meet your community's current building codes. In fact, it is reasonable to assume that houses built more than 10 years ago likely do not comply with today's ordinances or laws. This is a problem because any lack of compliance, although unintentional and even unknown, could result in a major out-of-pocket expense following a major loss to your home. Your homeowners' policy provides [...]

2021-07-27T15:40:46+00:00December 6th, 2020|
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If You Love It, List It!

We have seen tragedy and great loss after events such as tornados, hurricanes, flooding, or even fires. No matter where your home is located, the threat of a catastrophic loss is looming. If this were to happen to you, would you know what it takes to make you whole again? It is important to have a home inventory. This will give you the opportunity to discuss with your insurance agent about what on that list you want to make sure is covered and for how much. This will also aid in the event [...]

2019-10-02T12:54:31+00:00October 2nd, 2019|
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Frozen Pipes and How To Protect Yourself

Colder temperatures can freeze pipes, creating disastrous property losses and wreaking havoc on your life. Frozen pipes can lead to expensive damages and depending on the extent of the damage it could force you to temporarily close your business resulting in loss of income. Systems that are at risk of freezing in colder weather include fire protection equipment and piping, heating, ventilation, and air conditioning equipment, compressors and piping, water and sprinkler mains, valves, and sanitary systems. It is not just the colder states that are affected, moderate climate states can be [...]

2021-07-28T13:59:18+00:00January 5th, 2019|
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The Ultimate Cheat Sheet on Winter Home Safety

Winter is upon us once again and that means holiday time with our family, hot cocoa and a warm cozy fire, and playing in the snow. While all of that may seem great, it is important to remember that winter also brings with it many hazards around your home. Whether it is a frozen water pipe bursting and flooding your home or basement or an ice dam in your gutter causing water damage to your walls, it is important to know how to protect your home against winter’s dangers. Outside Clean out [...]

2021-07-28T15:26:43+00:00December 22nd, 2018|
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