Your Source for Understanding Personal, Business, Life, Health, Group Benefits, and Medicare Insurance.

Homeowners Insurance

Do I Need Insurance for Undeveloped Property

Do I Need Insurance for Undeveloped Property?

If you own undeveloped property, does it need to be protected with a separate insurance policy? The personal insurance section of your homeowners policy may cover vacant land up to a specific limit. If a lawsuit is filed against you for personal injury on the property, the policy limit may

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Tips for Maintaining Your Roof

Tips for Maintaining Your Roof

You want to ensure the roof on your home lasts as long as possible. Performing basic maintenance can prolong the life of your roof and help you avoid the cost of a new roof for much longer.  Replace Roof Shingles If your roof has missing or damaged shingles, they should

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Beginner’s Guide to Personal Umbrella Insurance

Beginner’s Guide to Personal Umbrella Insurance

Personal umbrella insurance serves an essential purpose, as it provides liability protection above and beyond the policy limits on your vehicle, home, or boat. Every insurance policy has limits, and personal umbrella insurance kicks in once you have exceeded those limits, expanding your protection if a claim or lawsuit is

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homeowner-claim

When to File a Homeowners Insurance Claim

A home is a major investment, and home insurance is designed to protect it. We pay premiums in exchange for coverage, so the natural inclination is to file a claim when a covered loss occurs. The reality is not so clear cut. Filing a claim under the wrong circumstances can

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vacation

Do I Need Different Insurance for a Vacation Home?

If you have the good fortune to own a vacation home, it is important to protect your investment. You may need a separate insurance policy to cover your second home. Vacation home insurance can help protect that property against a range of perils. Why Do I Need Separate Insurance for

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contractor-damage

If A Contractor Damages My Home, Whose Insurance Covers It?

Homeowners insurance is designed to provide you with financial protection from loss due to theft, disasters, and accidents. But what happens if a contractor causes damage to your home? In this case, your homeowners insurance may help cover the cost of repairs, but will likely seek reimbursement through the contractor’s

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Handyman caulking a window frame

Preparing Your Home For The New Year

With all the holiday activities coming to an end, the New Year is a great time to give your home a fresh start. These tips can help you get your home clean, organized, and prepared for the winter months ahead. Clear Out the Clutter Christmas decorations, wrapping paper, and odds

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homeowner hanging lights

Avoid Common Home Accidents During The Holiday Season

From late November to mid-January, the holidays bring good cheer and gatherings with friends and family. They are also a season when home accidents frequently occur. The following are some common holiday-related accidents, along with tips to help keep your family safe at home over the holiday season. Decorating Fall

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Home in fall

How To Prepare Your Home For Fall

When the thermometer begins to drop and temperatures get cooler, it’s time to start thinking about getting ready for autumn. The weather can be unpredictable, and it’s best to get a head start on seasonal chores so you are not caught unprepared. The following general “to-do list” can help you

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House

Am I Required To Have Homeowners Insurance?

There is no law that says you have to purchase homeowners insurance if you own a home, as stated by the Insurance Information Institute (III). However, very few home buyers can pay cash upfront for such an expensive purchase. Most people will need to finance most of the cost of

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