August 25, 2023
AgencyDoes My Homeowners Insurance Cover Hurricane Damage
Hurricanes can cause significant damage to homes, resulting in costly repairs and even total property loss. Hurricane season starts May 15 on the west coast and June 1 on the east coast and along the Gulf of Mexico. As a homeowner, it’s essential to understand what types of hurricane damage are covered by your homeowners […]
September 7, 2023
AgencyWhy Homeowners Insurance Premiums Are Rising and What You Can Do
Many people have seen their homeowners insurance rates to go up this year — along with the cost of materials and supplies — in this economy. Several factors are behind the rising rates. Severe weather events continue to cause serious damage and costly insurance claims. The rising cost of building materials, supply chain issues and unfilled jobs […]
September 14, 2023
AgencyHow To Insure Your Home for Its Correct Value
If trouble befalls your home or personal property, it can be devastating to learn that insurance won’t cover all the necessary costs. Help avoid this situation by insuring your home for its correct value. This video discusses the difference between replacement cost and actual cash value as it pertains to home insurance.
October 6, 2023
AgencyAre You Properly Protected Against Your Liability Risks?
Hosting events at our homes, such as cookouts and seasonal celebrations, can be enjoyable and rewarding. While these events can be a lot of fun, they can also increase your liability risk, particularly if you have a pool or other attractive nuisances on your property. Understand Your Homeowners Liability Limits Homeowners insurance is designed to […]
November 3, 2023
AgencyWhat Type Of Damage Does My Home Insurance Cover?
Insurance policies are often filled with terms that can be difficult to understand, particularly for the average insurance buyer. Of these terms, “named perils” and “open perils” are some of the easiest to confuse. When it comes to understanding what their coverage entails and ensuring their policies are adequate enough to protect against the most […]
November 20, 2023
AgencyWhat Is A Personal Article Floater?
It’s a common misconception that homeowners or renters insurance policies cover all personal property. Even if they do cover personal items, there is often a financial limit as to what those policies will cover. Sometimes the amount covered is well below the item’s value. For highly valuable items, unique or hard-to-find items or items that […]
January 18, 2024
jdowdinsDon’t Make These Home Insurance Claims Mistakes
Navigating the intricate landscape of home insurance claims can be daunting, and avoiding common mistakes is crucial to ensuring a smooth and successful process. Whether you’re a first-time homeowner or a seasoned one, understanding the pitfalls to avoid can make a significant difference in the outcome of your claim. The following are the most common […]
January 31, 2024
jdowdinsTips for Home Insurance Buyers in 2024
While most significant factors, such as weather conditions, climate change and economic inflation, are out of the control of homeowners, policyholders must still consider steps they can take to mitigate rising premiums and find any potential savings that may be available. Retaining adequate insurance protection is vital for financial security, even during difficult times. Consider […]
March 8, 2024
jdowdinsHow to Prevent Mold in Your Home
Mold can wreak havoc on your home and lead to significant property damage and financial losses. Mold can also cause various health issues for you and other members of your household, potentially leading to medical complications and expenses down the road. In addition to the various potentially harmful impacts of mold, these issues can arise […]
March 18, 2024
jdowdinsAre You Prepared For A Flood?
March is National Flood Awareness Month, and it’s the perfect time to make sure you’re prepared for a flood. Flash floods can occur within minutes or hours of excessive rainfall, a dam or levee failure, or a sudden release of water held by an ice jam. Overland flooding, the most common type of flooding event, […]