In short, yes, absolutely, 100%. Having a flood insurance policy is imperative to ensure that your house is fully covered, and with spring on the way, there is plenty of rain in the forecast. We don’t expect you to just…
Your Homeowners Insurance Declaration Page, also known as the “dec” page, summarizes the essential information pertaining to your insurance coverage. The declaration page includes your name, address, insured property descriptions, and premium. Also included are the coverages, limits, deductibles, discounts,…
Today, we’ll discuss insurance-to-value replacement cost vs. market value. Every homeowner needs home insurance. But, this type of insurance can be confusing and ask you questions. By defining terms such as insurance-to-value replacement cost, reconstruction cost, and market value, homeowners…
When your homeowner’s insurance policy renews, there are a few factors to keep in mind about the replacement cost of your home. First, you may see an increase in your replacement cost from your carrier this year. So, we are…
There is more to your home than just a roof over your head. It’s the place you raise a family and make memories. There are also threats and dangers in and around your home, placing you vulnerable if the unexpected…
Material misrepresentation in insurance happens, even if it’s accidental. It’s important to properly document and disclose accurate facts when obtaining or renewing insurance policies. Otherwise, you could be in danger of material misrepresentation, leading to possible issues if you ever…
A personal cyber insurance policy is designed to provide financial reimbursement for costs associated with digital information theft and assets up to your cyber insurance policy’s limits. Should I Consider a Personal Cyber Insurance Policy? Even though we see…
There are myths about life insurance. The idea of shopping for a life insurance policy can seem morbid, suspicious, and confusing. Plus, there are many misconceptions about the value life insurance offers, how to buy it, and what the policy…
You may have heard of the term “umbrella insurance policy.” Is this type of insurance something you need to consider as part of your insurance plan? For example, do you need umbrella insurance? We’ll answer questions about umbrella insurance frequently…
Before hitting the road this holiday, check out our top ten driving safety tips As we approach the long Independence Day holiday weekend, it’s a great time to review our ten driving safety tips before you head out with the…