What Does a Home Insurance Replacement Cost Look Like?

The goal of buying home insurance is so that your policy helps you rebuild if anything happens to your home. It replaces anything from high-end appliances to your smart gadgets and your favorite rocking chair. Insurance replaces these items if they get damaged. But as you shop for home insurance, one of the terms you […]

Do Home Insurance Breed Restrictions Apply to My Family?

Did you know that there are about 4.5 million dog bite incidents each year? According to the Insurance Information Institute, a dog bite claim costs approximately $44,760. Personal liability in home insurance ought to cover medical and legal expenses resulting from dog bites. However, there are certain breeds that are not covered as they are […]

Home Insurance Comparison: The Top Companies to Know About

If you own a home, you need home insurance. Home insurance policies cover a wide variety of damages and expenses. However, policies can be muddled with technical jargon. This blog will introduce you to the most popular home insurance companies and give insight into purchasing home insurance. When it comes to a home insurance comparison, […]

The Advantages of Working with an Insurance Broker

An insurance broker is a professional who acts as an intermediary between insurance companies and consumers. Insurance brokers sell insurance, but they do not work for insurance companies. They are qualified specialists in both insurance and risk management. The mission is to guide a consumer through an insurance buying process and help them find an insurance policy […]

What is Builders Risk Insurance? Everything You Should Know

The construction industry is wide-ranging and affects virtually all aspects of society. Consumers need builders for their new homes. Businesses need builders for their commercial developments. Governments need builders for infrastructure projects. There are many parties involved in the projects that builders build. Even the eventual homeowner is a significant party. That homeowner, ultimately, has […]

How to Compare Home Insurance Quotes to Make the Best Decision

Homeowners insurance is important to ensure you have the best possible protection to repair or replace your home if something bad happens to it. Unfortunately, many homeowners generally are at a loss about how to compare home insurance quotes. Homeowner’s insurance policies can vary greatly in what they cover and the cost to provide that […]

The Best Fireplace Safety Guide for Cozy Living

A fireplace is a perfect way to add a touch of cozy comfort to your home. But, like any household investment, fireplaces need proper care if they’re to function properly. Fortunately, this usually takes just a few basic fireplace safety tips like the following: Using a smart smoke detector. Cleaning out ashes regularly. Always use […]

Is There Insurance Coverage for Power Outage Losses?

A power outage could be especially troublesome when it lasts for more than a couple of hours. Your HVAC system will not work without power. And some items might perish. Fortunately, your homeowners policy might provide insurance coverage for power outage losses. A standard homeowners insurance policy usually protects against a variety of commonly occurring perils. […]