We often take it for granted, but a water heater plays a vital role in our daily comfort. However, like any hardworking appliance, water heaters age and can develop problems. Recognizing the signs and understanding basic maintenance can save you from unexpected cold surprises and costly repairs
Read MoreAuto liability insurance doesn't need to be confusing! We've broken down the different parts to help you understand why it's so important: What is it? What it covers and what it doesn’t cover. Is it required? If so, how much coverage do I need. And what is the difference between liability and full coverage.
Read MoreLife insurance works by allowing your beneficiaries to claim a financial payout after your death. Life insurance policies can be categorized into three main groups, based on how they work: Term Life Insurance, Permanent Life insurance, and Final Expense life insurance.
Read MoreYou can get your jewelry insured in one of two ways: through your property insurance or through a specialized jewelry insurer. If you go through your home, condo, or renters insurance, you should "schedule" your jewelry (also known as adding a rider to your policy) to make sure the piece is covered for its appraised value.
Read MoreInsurance companies may offer optional building code insurance coverage, also called "ordinance or law coverage," which can help cover the cost of bringing your home up to code if it's damaged by a covered peril. Local building codes may mandate upgrades or changes that weren't required when your home was originally built.
Read MoreOver the past few years, you may have noticed a sizeable increase in your homeowners insurance premiums. In reality, your policy's rates have likely increased due to several factors, and climate change is just one of them. However, climate change has played a significant role in how home insurance companies are calculating higher premium rates.
Read MoreYour car’s glass can break in any number of ways. The good news is that it’s often an easy fix if you have comprehensive coverage as part of your car insurance policy. If so, your insurance carrier will pay to repair your windshield or window for a covered glass loss, less your deductible.
Read MoreIf your car is damaged due to flooding or other water damage, you are likely wondering if your car insurance covers the loss. The answer: It depends. Basic liability-only insurance policies will not cover damage from losses such as these. In order to be protected, your policy generally needs to include comprehensive coverage.
Read MoreVacant homes often carry more risk than meets the eye. From burst pipes and property theft to liability and squatter intrusion, a home left unoccupied for an extended period is exposed to a unique set of hazards, many of which may not be covered by a standard homeowners’ insurance policy.
Read MoreJust like leases have lessors, liens have lienors, or lienholders. The lienholder is the creditor to whom the debtor owes money. In some more specific cases, the lienholder may have given the debtor a loan to buy something, a car or a house, and their lien applies to that purchase until the loan is paid off.
Read MoreSummer fun is about enjoying celebrations and time outdoors with activities like swimming, grilling out, going to parades and more. Fireworks are often the highlight of any summer event. But fireworks can cause accidents and injuries to children and adults alike. Let’s review the risks involved with using fireworks along with some important safety tips.
Read MoreReplacing and repairing your windows is an inevitable part of homeownership. Do you know when you can and can’t get your windows replaced or repaired under your home insurance policy? We have the answers for you, plus some home maintenance tips for preventing window damage and replacing windows in a timely manner.
Read MoreGravel, rocks and various forms of debris can come flying toward your car when you least expect it and leave quite the mark on your windshield. Since windshields with cracks are the most frequent auto insurance claim in the United States, we’ll help you know know if you need windshield repair or windshield replacement.
Read MoreYour roof is more than just a covering; it's your home's primary defense against the elements. From scorching sun to torrential rain, your roof endures constant exposure, making regular maintenance critical. Failing to maintain its condition can lead to costly repairs, structural damage, and even compromise the interior of your home.
Read MoreIf a tree falls on your home, it could cause damage to your property or even injure someone. So you may be wondering if your homeowners insurance policy will cover the costs of tree removal and repairs. Read on to learn more about when homeowners insurance covers tree removal, and when it does not.
Read MoreYour sump pump might not be the flashiest appliance in your home, but its role in keeping your basement dry and safe from flooding is undeniable. A well-maintained sump pump can be the difference between a minor inconvenience and a major disaster. But do you know how they work, when they need maintenance, and how they impact your homeowners insurance? T
Read MoreThe American Veterinary Medical Association states there are nearly 90 million dogs living in U.S. households. About 4.5 million people are bitten by dogs each year, most of them children. Homeowners and renters insurance policies typically cover dog bite liability legal expenses, up to the liability limits. Some insurance companies will not insure homeowners who own certain breeds of dogs categorized as dangerous, such as pit bulls.
Read MoreIn most states, when an accident occurs one party is usually considered "at-fault" and must cover the injuries of the other driver and their passengers. In some states, known as "no-fault" states, medical bills are covered by each driver's individual personal injury protection coverage instead of the at-fault driver's insurance.
Read MoreHomeowners insurance may pay for hail damage to your roof, siding, and any other part of your property, minus your deductible. Hail is typically a covered peril on standard homeowners policies, but your policy may have a separate deductible for damage caused by hail — especially if you live in an area prone to hailstorms.
Read MoreOther Structures coverage provides financial protection for structures on your property that are separate from your main dwelling (i.e. not attached). Other Structures covered under Coverage B include: Detached garages, Sheds and workshops, Barns, Gazebos, etc.
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