Service line coverage is insurance against unexpected expenses related to the damage of service lines on your property, such as power lines, phone and cable lines, water and sewer pipes and more. It covers the potentially costly expenses of excavation and repair of underground wiring and piping. Why do I need service line coverage? If you are a homeowner, you … Read More

How do you know if your home is in a flood zone? No matter where you live, you’re at some risk for flooding, but certain areas are more likely to experience a flood than others. Here are some ways you can start to assess the risk in your area. Do I live in a flood zone? Technically, everyone lives in … Read More

An elevation certificate is a document that lists a building’s location, lowest point of elevation, flood zone and other characteristics, according to the Federal Emergency Management Agency (FEMA). It is used to enforce local building ordinances and to help determine flood insurance rates. When do I need an elevation certificate? If your property is considered high risk of flooding, you’ll … Read More

While no one plans for their home to get damaged, the truth is that accidents happen. The Insurance Information Institute (III) reports that one out of every 15 U.S. homeowners files a claim on their homeowners insurance each year. However, even if your homeowners insurance covers the cost of replacing some or all of your damaged property, you’ll still have … Read More

Along with understanding how different types of coverage give your home the protection it needs, it’s important to understand how a homeowners insurance deductible is part of your policy. This way you can better financially prepare for the unexpected. What Is a Deductible for Homeowners Insurance? A homeowners insurance deductible is the amount of money you’ll pay out of pocket … Read More

While personal property coverage is an important part of your homeowners insurance, it’s a good idea to take a close look at your policy to understand what this coverage may help protect. You may find that an additional coverage, known as scheduled personal property, can help provide greater protection for some of your most valued belongings. To properly protect your … Read More

What’s one of the biggest—and worst—risks you can take when buying homeowner’s insurance? Not buying enough. If a wildfire devours your home and you’re forced to rebuild, wouldn’t it be awful to discover you don’t have enough homeowner’s insurance to cover costs? You don’t need us to tell you the answer is yes! Unfortunately, three out of every five Americans … Read More