Homeowners 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.
Read MoreThunderstorms are most likely in the spring and summer months and during the afternoon and evening hours, but they can occur year-round and at all hours. To prepare and reduce damage to your home, follow these steps that include trimming trees, securing outdoor units, and installing protectors.
Read MoreWater backup can be a homeowner’s worst nightmare, causing significant property damage that can lead to costly repairs. The good news is that there are proactive measures you can take to safeguard your home against water damage.
Read MoreJust as you’d go to the doctor for an annual checkup or perform routine maintenance on your vehicle, having an annual insurance policy review is just as important. Reviewing your insurance coverage at least once a year is an excellent idea to help ensure that you, your family and your belongings are all protected.
Read MoreWinter brings cozy evenings by the fire, hot cocoa, and holiday cheer — but it may also bring harsh weather that can cause some serious damage to your home’s roof. Snow, ice, and constant temperature changes challenge even the sturdiest roofing systems, and without the right care, these seasonal stressors can turn small issues into big, pricey problems.
Read MoreThe ideal time to get ready for a snowstorm is long before one is in the forecast. Winter storms can bring cold temperatures, icy roads, power failures and a loss of communication services. Such conditions bring safety challenges, so you’ll want to plan ahead.
Read MoreIf you are a homeowner, or perhaps rent a home in which you are responsible for a certain level of maintenance, it is critical to winterize your home’s water system before the temperature drops to help ensure a winter season free from frozen pipes and potential water damage.
Read MoreHome inspections play an important role in the real estate process, especially for home buyers. It's the homeowner’s opportunity to uncover any hidden issues lurking beneath the surface of their dream home. A thorough home inspection can save homeowners from a financial nightmare down the road, and ensure a safe and sound property.
Read MoreWaking up to a flood in your basement due to a faulty water heater is anything but pleasant – especially after you realize your floor is damaged. One of the first questions you’ll likely ask yourself is, does my homeowners insurance cover water damage?
Read MoreHomeowners may often be confused by how escrow accounts interact with their real estate taxes and homeowners insurance. An escrow account helps make sure your insurance premiums and real estate taxes are paid on time; typically, your insurance company will do most of the heavy lifting.
Read MoreBefore closing on a new home, your lender will require you to purchase a home insurance policy. While many lenders provide insurance referrals, choosing a home insurance company is your decision. You're responsible for making sure the coverages on your policy adequately protect your residence, detached structures, and personal belongings.
Read MoreWhile no one plans for their home to get damaged, the truth is that accidents happen. Here are seven of the most common home insurance claims homeowners make, plus what you can do to avoid them in the first place.
Read MoreCoverage eligibility and insurance requirements for your swimming pool will vary by insurer and pool type. Dwelling, personal property, or other structures coverage on your homeowners insurance policy may help repair or replace your swimming pool if it's damaged or destroyed by a covered peril. Your home policy's personal liability coverage may pay for damages or injuries for which you're legally responsible.
Read MoreWhether you’re stepping into the world of homeownership or looking to downsize, condos may be a suitable choice for your needs. In this blog, we’ll explore what a condo is, the pros and cons of buying one, how to buy one, and whether condos are a good decision for first-time buyers.
Read MoreThe process of buying a house can be filled with excitement, but it also comes with a fair amount of questions. One question you might ask yourself is, “When is the best time to buy a house?” There’s no easy answer, but if you come prepared with the right knowledge and strategies, purchasing your dream home on your own timeline may be easier than you think.
Read MoreMore and more people are choosing solar for their home’s electricity needs. Many homeowners also hope to save money over time by reducing their energy bills and taking advantage of tax incentives. While solar panels come with many benefits, they’re not a fit for every home. To decide whether solar power is a good decision for your home’s energy needs, consider the factors.
Read MoreIn Illinois, nearly 80% of all tornadoes occur from April 1st through June 30th. Adverse weather, such as high winds, heavy rain, hail and tornadoes, can cause extensive damage to homes and vehicles. Therefore, homeowners and drivers like you need appropriate insurance coverage, including policies and endorsements designed to provide financial protection against storm damage.
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If your home is used solely for your personal residence, then your homeowners insurance is not tax deductible. However, there are exceptions. Here are some instances to consider that could, in fact, make your homeowners insurance tax deductible.
Read MorePart of the benefit of being a homeowner is being able to entertain friends, family and other guests. But what happens when something goes wrong and a guest causes damage?
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