Home insurance is one of the most important policies a person will have because it covers what is, for many people, the most valuable asset they have. This insurance will help provide coverage and pay for damage that the home, property or other buildings on the property sustain in certain situations. One of the most expensive, and worrisome, damage that can occur at a home is a slab leak. Not only can the damage caused by a slab leak be significant, but the repair can be as well — in terms of what it takes to fix the problem, how long it takes and how much it will cost. So, does home insurance ..read more

Prospective homeowners count on home inspectors to provide valuable information about the state of a house they have agreed to purchase. Home inspections are typically one of the final “checks” on the home itself before a purchase is completed. Home inspectors are hired to provide a professional analysis of a home. They serve as the “trained eyes,” pointing out to homeowners any current or potential future issues they may have with the home. Generally speaking, the items identified in a home inspection report will either need to be replaced and/or repaired right away, or could be just somethin ..read more

Some people who want to make a difference in the lives of children consider starting an in-home daycare business. The ability to provide hands-on care for little ones can be very rewarding. However, there are a lot of risks associated with supervising children in your own home. There are the usual risks to injury and illness that go along with being in a home, as well as the fact that you’ll be supervising multiple children at one time who are not your own. In addition, if you hire employees to help you run your in-home daycare business, you will be taking on some risk associated with potentia ..read more

The way people work has been changing slowly but steadily over the last few years. But, due to the COVID-19 pandemic, those changes ramped up at an exponential pace. More and more people decided during the pandemic that they wanted to start their own business, or at least work from home as a full-time freelancer or gig worker. Today, 50% of all small businesses in the U.S. are home-based, according to the Small Business Administration. There are roughly 15 million of these home-based businesses and about 60% of them are considered to be non-employer businesses. In other words, a majority of ho ..read more

Every business needs insurance to protect its interests. Some businesses, though, need specific insurance plans to cover their specific and unique circumstances. One of those types of businesses are bakeries. These businesses not only have the same risks as other businesses, but they have unique ones that are related to the preparation and serving of food. That’s why having the proper baker’s insurance is important for any business in this industry. Whether you own a bakery that only manufacturers and sells products wholesale, a bakery that has a retail storefront or you operate out of your o ..read more

Homeowners insurance policies provide protection for your home, your possessions, your property and much more. It’s one of the most important insurance policies you can have, as it protects what is potentially the biggest asset that you own. That being said, there are some things that homeowners insurance does not cover. Understanding what a typical policy doesn’t cover is equally as important as understanding what it does cover. Knowing this information will help you decide whether you need to purchase supplemental insurance to cover these items — if it’s available to you — and what expenses ..read more

Depending on the type of home you purchase, you might have to pay extra fees in addition to your local property taxes. Much like taxes, these extra fees go to pay for various services and amenities for the neighborhood in which you live. These extra fees could come from a condo association or a homeowners association, depending on the type of residence you have purchased and where you live. While both of these associations are similar, and the fees that they charge help to fund similar things, there are differences between Condo Fees and HOA Fees. Below, we’ll dive deeper into what the two fe ..read more