With several storms hitting the country in the past few weeks there might be quite a bit of snow on your roof. The question: Can your roof handle it? The answer: It depends. According to Insurance Institute for Business and Home Safety, your roof should be able to support 20 pounds per square foot of snow. Of course, we don’t expect you to climb up and weigh it. Instead, we’ve created a guide to help you determine how much snow is actually on your roof.
Read MorePreventing roof damage to keep your family comfortable and secure all winter long is easier than it looks. Today’s homeowners don’t even need to get on their roofs to take necessary precautions. Here are ten timely tips to prevent roof damage as temperatures drop.
Read MoreLeaky pipes, burst water heaters and soaked carpets are common home disasters that can stem from the same culprit: plumbing. You might think that you don’t need to worry about plumbing-related problems because you carry a homeowners policy. You’re partially right. However, most homeowners policies exclude coverage for some of the most serious and damaging plumbing disasters.
Read MoreAs the seasons start to change, it’s the perfect time to prep your home for the colder months by getting ahead on your home maintenance. Tackling a few tasks now can help you reduce energy costs and avoid property damage during winter, allowing you and your family to enjoy a stress-free holiday season. Read our home maintenance checklist and learn tips on cleaning gutters, prepping your lawn, sealing cracks, and more.
Read MoreSometimes, a basic homeowners policy just isn’t enough. So as your career advances and your income increases, it’s important to keep your insurance protection up to date. This helps you avoid expensive gaps in coverage and prevents you from paying too much out of pocket in case of a claim.
Read MoreIf you’re thinking of buying a home, the current housing market is less than desirable for potential homeowners. Housing inventory is low, home interest rates are rising, and buyer competition is as intense as ever. All of these factors beg the question: Should I rent or buy a house?
Read MoreDeductibles have been an essential part of the insurance contract for many years. Understanding the role deductibles play when insuring a vehicle or home is integral to getting the most out of your insurance policy. Know how your deductibles work to prevent surprise costs—and save money.
Like any residence, your vacation home needs to be insured—but because the risks are different, the coverage might cost more than your primary homeowners policy. Before you leap into second-home ownership, consider the factors that will likely affect the price you’ll need to pay for insuring it.
Read MoreHomeowners insurance claims are something we typically hear about in the event of a flood, fire, or other catastrophes. Wondering about the main types of property damage? Here are six of the most commonly filed homeowners insurance claims.
Read MoreLandscaping can have numerous benefits. It beautifies your property and can add to the curb appeal and resale value of your home. Whether you rely on your own landscape design skills or hire a professional to implement your vision, you’ll want to consider the implications that your efforts – and how you maintain them—can have on your home.
Read MoreNo matter what you use your rental property for, you need the right coverage to keep you and your property protected from the unexpected. Depending on your situation, you may need to get either a homeowners or landlord insurance policy.
Read MoreReady to upgrade your home? Maybe you’ve just moved and want to install a pool. Perhaps you plan to transform the unfinished portion of the basement into an entertainment space. Or perhaps it’s time to finally replace that roof. Do you actually need homeowners insurance for homes in need of repair?
Read MoreAccidents happen. But sometimes, the injuries or damages incurred from those incidents can be devastating. Personal liability insurance can protect you financially when these unfortunate events occur. Learn more about personal liability insurance and find out it does and doesn’t cover.
Read MoreOne of the most common mistakes homeowners make is to wait until they see a leak inside their home before checking out their roof. After all, why look for trouble, right? Unfortunately, avoiding home maintenance in this manner could cost you a lot more money in the long run.
Read MoreDwelling Insurance helps cover the physical structure of your home — i.e., the foundation, walls, roof, etc. — as well as anything attached to or permanently installed in your house. If any of these things get damaged due to a covered loss, dwelling insurance may help pay for the replacement, repair, or rebuilding costs.
Read MoreApril showers bring May flowers – and sometimes a little flooding as well. While it’s true that spring rains are great for new plant growth – which is a welcome sight after a long winter- Add a little snowmelt, and the ground quickly becomes saturated, storm drains overflow, and rivers and streams spill over their banks. The resulting floodwaters can wreak havoc on everything and anything that gets in the way – including your home.
Read MoreIf you’re not sure what kinds of structural repairs are covered by your home insurance policy, you aren’t alone. Find out what structural damage is covered under most homeowners insurance policies. Plus, learn about additional insurance policies that can help you get the best protection for your home.
Read MoreShopping for your dream house? There are many considerations when looking at real estate, like property taxes, school district, the appeal of the neighborhood—and, of course, the bottom line. Don't overlook the financial implications of homeowners insurance as part of your overall investment. Use this guide to help think through all the costs associated with buying a home.
Read MoreAt the end of each year, we are whisked through a series of holiday celebrations, all leading up to the most contemplative day of the year: New Year’s Eve. Whilst reflecting on our accomplishments and goals, it’s easy to forget about the logistics of updating our home insurance policies. We have created a checklist so you can focus on ringing in 2021 knowing you’re prepared for any surprises that life has in store in the upcoming year.
Read MoreIf you asked homeowners to create a list of situations they hoped to never have to deal with at home, a sump pump failure would likely rank just underneath having a fire. Here we give you 4 reasons to add water back up coverage to your homeowners policy.
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