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What Is The Personal Injury Coverage On A Homeowners Insurance?

What Is The Personal Injury Coverage On A Homeowners Insurance?

Homeowners insurance is a valuable asset for any homeowner to have. It provides financial protection for your home and your personal belongings. It also provides liability coverage for any damage or injury caused by you, your family, or your pet. This insurance protects you from unexpected events, natural disasters, and dangerous incidents. Among the variety … Read more

Additional Coverages: 5 Options To Consider When Purchasing A Homeowner’s Insurance

Additional Coverages: 5 Options To Consider When Purchasing A Homeowner's Insurance

While a standard homeowner’s insurance policy offers foundational protection, it often only covers the basics. It protects your home’s structure, belongings, liability issues, and living expenses during repairs. Yet, it might not cover all risks. Think of it as the base of a tree providing essential support. But like a tree, your insurance needs more … Read more

What Is Water Backup Coverage? A Comprehensive Overview

What Is Water Backup Coverage? A Comprehensive Overview

So, what is water backup coverage? In short, it’s an essential endorsement or addition to standard homeowners’ insurance. Its primary objective is to cover the damage caused by external water invasion that flows backward into your home from plumbing or drainage systems. These include incidents where water or sewer systems fail, a sump pump overflows, … Read more

How To Shop For Homeowners Insurance: Key Things To Consider

How To Shop For Homeowners Insurance: Key Things To Consider

Buying a home is a thrilling milestone, and getting homeowners insurance along with the property is prudent if nothing else. Protection against natural elements, unforeseen natural disasters, or simple theft won’t go amiss. But how can you reliably know if the policy is right for you?  The common pitfall for all coverage-seekers is that homeowners … Read more

9 Crucial Steps to Filing a Homeowners Insurance Claim

Why Your Insurance Company Should Know You Are Renting Your Home

What do you do when an unfortunate event occurs, such as a violent thunderstorm damaging your house or a burglar breaking into your home? Data from the Insurance Information Institute (I.I.I.) shows that fire/lightning has the highest claims severity in the U.S., causing homeowners an average claim of $79,765, while medical payment comes last with an average … Read more

Homeowners Insurance for Beginners: The A to Z Guide

Homeowners Insurance for Beginners: The A to Z Guide

Have you just recently bought a new home? Don’t get caught up in the excitement of closing payments and forget to protect your home by getting homeowners insurance. According to ISO, in 2018, 5.7% of insured homes had a claim, with 98.1% of the claims being for property damage, including theft. Hence, what should come to … Read more

The Hidden Benefits of Homeowners Liability Insurance Coverage

The Hidden Benefits of Homeowners Liability Insurance Coverage

Have you ever been reluctant to obtain personal liability coverage because you weren’t sure what it was all about? Well, the journey of owning a home involves a lot of paperwork and expenses. After closing the deal, you have to inevitably acquire homeowners insurance to protect your property from unexpected damage or loss. However, standard home … Read more

Everything You Need to Know About Scheduled and Unscheduled Personal Property Coverage

Everything You Need to Know About Scheduled and Unscheduled Personal Property Coverage

Have you ever asked yourself what would happen if you lost your valuable camera before a trip or your precious engagement ring before your wedding? Sounds unimaginable, but it does happen… People lose their most precious and valuable items all the time. Apart from sentimental value, these items are often expensive too. You might not be … Read more

A Beginner’s Guide to Homeowners Insurance and Water Damage Coverage

A Beginner’s Guide to Homeowners Insurance and Water Damage Coverage

Are you sick and tired of dealing with damage caused by leaking roofs and broken pipes every time there’s a storm? Then it’s high time you filed a claim against your homeowner’s insurance policy. In case you didn’t know, homeowners insurance actually provides coverage for water damage! In fact, the Insurance Information Institute states that water damage was … Read more