The best time to learn about what’s included in a basic homeowners insurance policy is before you have a claim. We’ve gathered the answers to the most common “Am I covered if…” questions about your homeowners insurance policy to help you minimize any coverage surprises. Common Home Insurance Policy Questions What property and perils are excluded from my policy? Typically, coverage does not apply to damage caused by flood, surface water, water that backs up through sewers or drains, earth movement, nuclear damage, war, etc. Personal liability and medical payments do not apply to the operation ..read more

No home is immune to the risk of theft. Whether you’re looking to protect your home while you are on an extended vacation or simply away at work for the day, it’s important to take precautions to help deter criminals from targeting your property. Be sure to utilize these home theft prevention tips to keep your property secure and help mitigate the likelihood of burglary while you are away. Home Theft Prevention Tips Daily Precautions Install motion sensor lighting around your home and garage that illuminates your property. Consider installing home security cameras on your property. Many affor ..read more

When it comes to your home, making sure you’re adequately insured is of the utmost importance. Despite this, many homeowners are unaware of the “80% rule” for home insurance and, as a result, find themselves underinsured when trying to replace their personal property after a loss. Understanding the 80% rule—and following it—can help you protect yourself and your home. The 80% Rule for Homeowners Insurance The Basics There are two valuation options available when purchasing insurance on your home. Typically, homeowners can elect to insure their home and personal property on an Actual Cash Value ..read more

Home insurance costs homeowners around $1,200 a year on average. If we’re being honest, you may be paying more than you need to. Luckily, there are a few ways you can save on your home insurance. Follow these 9 steps to ensure you’re getting a quality policy for a reasonable rate. 9 Ways to Save on Your Home Insurance The following are some of the best ways to save on homeowners insurance. Increase Your Deductible A deductible is the amount a homeowner agrees to pay out of pocket in the event of a claim. For example, people with a $500 deductible, can save up to 20% by increasing it to $1,000 ..read more

Vacations should be stress-free and easy-going. However, enjoying trips to the fullest is a bit difficult if you constantly worry about your property back home. It’s quite understandable if you’re worried about the security of your home and don’t want to face any issues when you get back. Fortunately, there are some easy-to-follow steps to prepare your home for vacation. We understand that planning vacations are hectic enough on their own. Therefore, we’ve compiled some tips to keep your home safe while you’re on vacation. Tips to Prepare Your Home for Vacation The following are some of the ti ..read more

Having a smart home security system is a great way to avoid burglaries, theft, and unwanted intruders. Due to the advancements in technology, security systems have become more connected. For example, most systems now include smart thermostats, outlets, and smoke/carbon monoxide detectors. These devices also allow you to control them via an app. So, not only do these cool new gadgets add convenience to your home, but they also save you money in the long run. In this article, we will discuss how smart home security systems can save you money. How a Smart Home Security System Can Save You Money P ..read more

During the winter you’ll typically be paying more for your electric bill, especially if you live in a colder region. This is because people stay inside more in the winter compared to other months. Therefore, you’ll be having to click the heat up to keep your house at a comfortable temperature. Not to mention, during the winter people are more likely to have house guests due to the holidays. All of these factors affect the amount of energy being used in your home. No one likes being stuck with a high energy bill. Therefore, in this article, we’ve included some ways you can save money this winte ..read more

Marriage is a huge milestone and it brings significant changes in every aspect of your life. Therefore, it’s the right time to sit down and discuss crucial financial aspects, such as your insurance needs. Once you become newlyweds, you can go on the same auto and home policy and you may need to update your life insurance. In this article, we will go over some tips for updating and changing your insurance once you’re married. We will also discuss some discounts you can receive too! Insurance Tips for Newlyweds 1.      Update Your Information One of the major changes aft ..read more

Life is unpredictable but having a good insurance plan provides financial stability against unwanted events. However, there are a few life events that may impact your insurance needs. These events may increase or lower your insurance policy premiums, affect your coverage, give you access to discounts, and much more. It’s important to be aware of these changes; therefore, we’re going to go over how certain life events can affect your insurance. 6 Life Events That Can Affect Your Insurance Needs New Home Ownership Buying a new home is an exciting milestone for people to reach. However, having th ..read more

Keeping a home clean and hygienic doesn’t have to be difficult or overwhelming. You can have a nice, spotless home if you follow some basic cleaning tips. Here’s a quick breakdown for you. How to Maintain a Tidy Home 1.      Clean Regularly One way to maintain the tidiness of your home is to clean it often. Cleaning on a routine basis saves you a significant amount of money and time. You can use a damp cloth to clean countertops, stoves, tables, and other pieces of furniture. If you ignore the messes and spills for too long you’ll be spending even more time and energy ..read more