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homeowners insurance

Not All Homeowners Insurance Policies Are Equal

By cash out settlement, coverage choices, coverages, deductible, dwelling coverage, Home, homeowners, homeowners insurance, homeowners policy, independent agent, Insurance, insurance quote, perils, Personal

As I’ve mentioned before in previous blogs, I find it sad that personal insurance has gotten commoditized to the point where many consumers buy based upon funny commercials and/or cheapest price. However, it’s a battle that agents face every day…

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Utility Line Protection – A Hidden (or Buried) Treasure?

By Claims, corrosion, coverage, decay, deterioration, drainage system, endorsement, Home, homeowners insurance, homeowners policy, Insurance, perils, Personal, rust, sewer lines, underground piping, utility line, wear and tear

Our office had a couple of interesting conversations regarding digging up yards recently. In one instance, the husband of one of our account managers started to dig up someone’s yard to help them replace sewer lines. To his surprise, when…

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Medical Payments – The Forgotten Homeowner Insurance Coverage

By bodily injury, Central, Claims, comprehensive protection, coverage, coverage limits, exclusion, homeowners insurance, homeowners policy, Insurance, Liability, medical payments, Personal, personal liability coverage, protection, slip and fall, slip and fall accidents

There are a few homeowner insurance coverages that almost everybody has but very few think about. Personal liability is one of those coverages and even lower on the totem pole is medical payments coverage. However, that doesn’t mean it isn’t…

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Don’t “Buck” You’re Exposure! Hunter’s should read!

By accidents, ATV, deer, deer hunting, exposure, Home, homeowners insurance, homeowners policy, Household Inventory, hunting, hunting season, Insurance, Liability, liability coverage, liability limits, Personal, Personal Umbrella, personal umbrella policy, Prevention, Umbrella

FALL! My most favorite time of the year…Friday night lights, college football, local festivals, and of course, hunting season! There’s that magical feeling floating in the air this time of year, whether it’s the itch to get out into the…

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Don’t Take Any Chances: Properly Insure Your Valuables!

By Central, Employees, Financial, homeowners insurance, homeowners policy, inland marine policy, Insurance, Personal, personal jewelry, personal property coverage, scheduled coverage, scheduled personal property policy, Umbrella

Were you one of the lucky individuals who received jewelry as a gift this past holiday season? Or perhaps you received something special for Valentine’s Day? In either case, here’s the important question that you need to ask yourself: “Did…

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The Next Catastrophic Flood Could Be Coming For You

By Central, Claims, flood, flood exposure, flood insurance, flood policy, Home, homeowners insurance, homeowners policy, Insurance, Liability, National Flood Insurance Program, Personal, Personal Flood Coverage, Prevention, Weather

Rain, rain, go away! At least that is what most of us are thinking after a few months, or in some cases, years of heavier-than-normal rainfalls. The U.S. has experienced flooding in areas that haven’t been affected for hundreds of…

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6 Tips for Preventing Water Damage from Appliances

By appliances, Claims, dishwasher maintenance, Education, Home, homeowners insurance, homeowners policy, hot water heater, Insurance, Personal, Prevention, water damage, water leak

Did you know that washing machines are one of the main sources of water damage to homes?  Others that top the list include hot water heaters and dishwashers. Fortunately, there are a few easy and inexpensive steps you can take help to…

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Your Tree Fell in Your Yard – Are You Covered?

By Central, Claims, fallen tree, Home, homeowners insurance, homeowners policy, Insurance, Personal, Saving Money, tree damage, tree damage property damage, tree removal, Weather

  The past few months have been devastating for much of the country due to Hurricanes Florence and Michael causing a catastrophic amount of damage, especially in the southeast. There have been homes destroyed, businesses closed, and families displ…

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