If a tree falls due to a covered peril and damages your home or other insured structures (ie., a fence, detached garage, shed), your standard homeowners insurance policy covers the structures. It doesn't matter who owned the tree, you will file a claim with your insurance...
Read MoreDo you have Replacement Value or Fair Market Value coverage on the contents of your house or apartment? The amount of coverage for your personal property is determined by a percentage of the value of your homeowners policy. This percentage amount can be anywhere from 40%...
Read MoreMy favorite client is the first-time home buyer. They are excited, nervous, and most important of all a captive and eager audience to learn about how to properly protect their biggest investment. A lot has changed in the industry regarding homeowner’s insurance over the last 15...
Read MoreMany people have a tendency to collect things. When young, you might have had a bug collection, a rock collection, or many other types of "treasures" you chose to keep in a box, often hidden under your bed, in a dresser drawer, or way far...
Read MoreYou have insurance, but are you sure that you have proper and sufficient coverage? If you don't have an annual insurance review, you could find - at one of the worst times of your life - that you're under-insured. Many insurance agents tell us that they...
Read More[caption id="attachment_52008" align="alignleft" width="138"] © Denis Ryan Kelly Jr.[/caption] Most homeowners are unaware of personal property theft sub-limits within their homeowners’ Coverage C (contents). Sub-limits are special limitations (dollar limits) within a homeowner policy regarding personal property that is stolen. There are specific dollar limits for theft...
Read MoreTypical property owners don’t spend much time pondering the nuances between burglary and theft when it comes to insuring their property. Their only concern is, they just want "it" to be covered if or when they make a claim with their insurance company. We’ve all...
Read MoreIt's mid-July, and if you have a recent high school graduate preparing for college - or a child returning for their 2nd, 3rd, 4th and possibly 5th year, you know that there are a plethora of items on your to-do list! Many will be leaving...
Read MoreOne monumental life event that calls for an inventory of your belongings is when your son or daughter heads off to college. Millions of young adults will be making the move this year, if they haven't already departed. In addition to their clothes, they will...
Read MoreDid you know that you can save up to about 40% in your homeowner's insurance premiums if you raise the deductible on your policy? However, with that savings comes a huge risk, and the amount you could save depends on where you live. Savings vary from...
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