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How much Sewer & Drain Backup Coverage do you need?
What is backup coverage and how much do you need? Are you covered? A homeowners insurance policy is made up of a number of separate coverages and endorsements, and one that is often misunderstood is the policy’s Backup Coverage Endorsement. You may not understand what it’s for, why you may need it, or how much…
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What is Flood Insurance?
Is homeowners insurance enough, or do you need Flood Insurance too? While you likely have homeowners insurance, in the case of flood, that is unfortunately not enough. This is because flood damage is not covered by standard homeowners insurance, requiring a separate Flood Insurance Policy. But what is flood insurance, and what does it cover?…
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What if your Insurance Company won’t confirm coverage?
What happens when your Insurance Company won’t confirm coverage and what should you do? When you experience damage to your home, you want it to be properly mitigated and repaired as quickly as possible. Perhaps even more important however – you want to make sure that your insurance company is paying for it! And that…
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Does Homeowners Insurance cover Basement Flooding?
When your basement floods, will your Insurance Policy cover the mitigation and repairs? When something happens to your home, one of the first things most people do is contact their insurance company. Homeowners Insurance is there for damage that occurs to your home and it’s only reasonable to hope that your insurance policy will cover…
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Understanding the Insurance Company Check
Being confused when you receive a check from the insurance company is extremely common. Here we address some common questions and concerns! While receiving the check from your insurance company can be a huge relief to you, it can also create even more questions. What is this check for? Why does the amount not match…
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Tornado Damage and Insurance Tips
Tornado damage is incredibly emotional. Here are some tips for staying safe during a tornado and beginning the process of putting things back together once the skies clear. Storms often bring rain and high winds, but sometimes we unfortunately get something even more severe. Tornadoes can cause a level of destruction that our area is…
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Renters Insurance Frequently Asked Questions
Are you renting and have questions about Renters Insurance? Here are some answers to commonly asked questions! Renting can be a great opportunity for those who do not wish to become involved with the costs and labor typically associated to home ownership. After all your landlord should take care of things like upkeep and maintenance,…
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Understanding Your Deductible
Your Insurance Deductible is the amount that you are responsible for in the event that you suffer a claim, but there are many options to choose from. Here, we will go over some options that may be available to you. Your Insurance Deductible is the amount that you are responsible for in the event that…
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Common things that increase your Home Insurance rate
While finding out that your insurance premium has increased is never great news, sometimes there are things you can do to reduce the increase’s impact on you. For tips on doing this, we asked the experts! Many homeowners assume that their insurance premiums are calculated solely based upon the value of their home, but this…
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Does my Home Insurance cover Hurricane Damage?
Following a hurricane, homeowners rely on their home insurance to help them put things back together. But is hurricane damage covered? Hurricanes can be truly devastating. In their wake, they can leave significant wind damage, flooding, loss of utilities, and cause some areas to be inaccessible. When you’re able to return to your home following…