July 17, 2024
jdowdins10 Signs A Tree May Fall On Your Property
Trees can be valuable additions to any property; however, each year, fallen trees and branches cause millions of dollars in property damage. It is crucial to proactively recognize signs a tree may be at risk of falling to help prevent dangerous and costly accidents. Cracks in the trunk could signal a structural weakness. An increase […]
July 12, 2024
jdowdinsTo File or Not to File: Understanding the Impact on Your Insurance Premium
Filing an insurance claim can be a straightforward process after an unfortunate event such as a car accident or damage to your home. However, what many people don’t realize is that filing claims can have a significant impact on your insurance premiums. Here’s a breakdown of when you should think twice before filing a claim, […]
July 3, 2024
jdowdinsWhat Is The Process For A Home Insurance Claim?
Knowing how and when life will return to normal helps give you peace of mind when an unexpected loss occurs. Check out this general guide to the home insurance claims process, so you can understand what to expect if you have to file a home claim. Home Claim File a claim For many carriers you […]
June 20, 2024
jdowdinsWhat Kind Of Water Damage Coverage Does My Home Insurance Cover?
The amount and type of water damage coverage your homeowners policy has depends on what coverages you selected when purchasing the policy. Choosing the right water damage coverage for your home can be quite confusing. To make sure you have the right coverage for your home starts with understanding the coverage options available homeowners insurance. […]
June 12, 2024
jdowdinsDoes My Insurance Cover Dog Bites?
Sharing your home with dogs can be a delightful and rewarding experience, often providing you and your family with company and comfort while encouraging you to enjoy the outdoors. However, while these furry friends can be beloved additions to your family and household, they may also come with potential risks. After all, regardless of how […]
May 13, 2024
jdowdinsHow To Avoid Contractor Scams
As a homeowner, you may need to make repairs or renovations to your home, or otherwise enlist the services of contractors. However, scammers and con artists may attempt to impersonate contractors and take advantage of your needs. Detect suspicious parties and avoid falling for their contractor scams by being wary of the following behaviors: Arriving […]
April 29, 2024
jdowdinsCan Home and Renters Insurance Cover Incidents Involving Your Pets?
Even the most docile or well-behaved pets could be startled by an unknown party, such as a guest, neighbor or passerby, potentially causing them to lash out or react unexpectedly. Fortunately, the liability coverage portions of many home and renters insurance policies can include incidents involving your pets, such as the following: Injuries—If your pet […]
April 22, 2024
jdowdinsIf a Tree Falls, Who Pays?
Every year, storms are responsible for felling countless trees and limbs. Unfortunately, some of those fallen trees damage homes and other property. Cleaning up the damage from a storm can be a difficult task, both physically and emotionally, and things can become especially tense when you discover that it’s your neighbor’s tree that damaged your […]
April 5, 2024
AgencyWhy Home And Auto Insurance Rates Are Continuing To Rise
Thanks to an unusual convergence of market trends, ushered in by the pandemic and followed by other disruptive events, you may see a bigger change to the cost of your home and auto insurance than usual when it comes time to renew your policies this year. Insurance rates are based on what an insurer thinks […]
March 21, 2024
jdowdinsWhat Are Insurance Coverage Exclusions?
Insurance policies are very commonplace. Chances are most people you know have at least a homeowners or auto insurance policy—many have both. Beyond these, other popular offerings include life insurance, dental insurance and health insurance. Insurance is designed to help pay for losses you experience. For example, homeowners insurance may help pay for a broken […]