Townhomes & Duplexes: How Much Will A Homeowners Policy Cover?
Posted: April 1, 2019
Townhomes & Duplexes: How Much Will A Homeowners Policy Cover?If you are considering purchasing a townhome or duplex, you may be wondering if coverage under a homeowners policy would be different than coverage for a single-family dwelling. Our knowledgeable agents will be happy to explain the coverage for each type of dwelling and help you find a policy that suits your needs at the best available rates. What Are Townhomes and Duplexes? Perhaps the...
Home Buyer
Posted: February 9, 2019
Today we approach a common occurrence for a home buyer: Your offer (or “bid” for you Wall Streeters) was just accepted on your home purchase. Your lender has requested a binder for homeowner insurance prior to scheduling the closing. Now what? What makes up proper Replacement Cost coverage for the dwelling or structure? We believe appropriate coverage would begin by first determining the cost to...
Protecting Your Home Through The Seasons
Posted: January 1, 2019
Protecting Your Home Through The SeasonsBlazing sun, sub-zero temperatures, or any extreme weather conditions can wreak havoc on your home, but seasonal maintenance can go a long way toward preventing catastrophe. The following are home maintenance checklists for winter, spring, summer, and fall. Winter Home Maintenance Vacuum HVAC registers to remove dust and debris. Flush out water heater to remove built-up sediment. Clean refrigerator coils. Check caulking around showers and...
Homeowners Insurance: When Do You File A Claim?
Posted: September 20, 2018
Homeowners Insurance: When Do You File A Claim?Homeowners insurance is designed to cover damage to your property caused by certain covered events. It stands to reason that as you are paying your premiums, you should take advantage of available coverage. However, the reality is that it is not always advisable to file a homeowners insurance claim, as it can lead to higher premiums or even cancellation in some cases. Underwriters tend to...
Water Damage to the Home…How Can it be Prevented?
Posted: August 15, 2018
Water damage accounts for about 25% of all homeowners’ property insurance claims. Some of these problems are the result of events beyond our control such as torrential rain and hurricanes. Significant water damage is often caused when ordinary household appliances or plumbing fail. We can do quite a bit to avoid the costs and inconvenience of water damage. Step one: Locate the “main water...