If you own a luxurious home with sophisticated features, architectural significance, historic properties, and advanced facilities, a standard home insurance policy may not be sufficient to protect your property. The reason is your home is worth more, and so are its repair or replacement expenses. This is where a high-value home insurance policy can help. Read More
A second home is just as much an investment as your primary home. No matter how you use it, you have invested a substantial amount of money in its purchase and maintenance. You need to purchase an insurance policy that you can count on to ensure sufficient coverage if anything should happen to your property. Read More
Your homeowners’ insurance is an expense you need to maintain. If you have a mortgage or other type of lien on your home, you may be required to maintain coverage, or the lender will buy the coverage and charge your account. Since it is a monthly expense you can’t do without, you must shop around Read More
Roof damage is not something that you should take lightly. Aside from your HVAC system, your roof is one of the most expensive things you will ever have to replace. With proper care and maintenance, you can protect your roof from different types of damage. No matter how hard you try to prevent damage, sometimes Read More
It’s important to understand what your homeowners insurance policy covers. A quick review of your policy will help you know the finer details. Your insurance agent can go over your policy with you to make sure there are no misunderstandings. No Concept of Retroactive Coverage Retroactive coverage does not exist. You can’t buy a homeowners Read More
Suppose you hope to start renting your property full-time; what type of insurance policy should you have in place to protect your property when tenants live there? In most cases, you’ll need a landlord insurance policy. However, if you’re only hosting tenants occasionally, a homeowners policy is a more suitable option. Rental Agreement Determines Type Read More
Owning a home means that you have invested a large portion of your income into your home. If a catastrophe occurs, you will lose everything if you don’t have homeowners insurance. Most people buy homeowners insurance without any hindrance, but there are certain situations in which you may be denied coverage. Why Were You Denied Read More
Your prospective insurer may require a home inspection to assess your homeowners’ insurance coverage needs. However, this isn’t always the case, and you might even qualify for standard coverage without a home inspection. As explained below, the final decision is up to the insurer. Do You Need a Home Inspection to Obtain Insurance? An inspection Read More