Category: Home Insurance




Rapid Rise in Construction Costs



Construction Costs Are On the Rise (Rapidly) As many have noticed, in the last year, the cost of building materials has increased exponentially nationwide. Our brokerage has local examples of contractors we work with who are putting expiration dates on bids at this time because they can no longer guarantee what the material costs will […]

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What happens if I get sued? Homeowners Insurance – Liability Coverage Explained



Homeowners Insurance – Liability Coverages Explained Have you ever wondered how the Liability Coverage on your homeowner policy works? Or what Medical Payments would cover? What exactly is Personal Injury? You likely have most if not all of these coverages on your current homeowner policy. So, what exactly are you covered for and how much […]

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Financial Asset Worksheet – How Much Coverage Do I Need?

Do you have the coverage you need? A quick calculation of the following items may help you determine a minimum appropriate limit of liability insurance for your current situation. Financial Assets Equity in your home: $______________ Investments: $ ____________________ Savings/Checking Cash on Hand: $ _________________ Future Wages: $____________ Total amount you have at risk = […]

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Homeowners Insurance – Know Your Coverage Options

Home Insurance Image

Homeowners Basics An essential step in purchasing a home is getting homeowner’s insurance. However, understanding terms like Insurance to Value, Replacement Cost, Extended Replacement Coverage and Market Value may seem like a tough feat.  If you want simple explanations to these important insurance terms, you are in the right place! Replacement Cost Replacement Cost: Coverage […]

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What if I lose my wedding ring?



Is your homeowners insurance policy enough? Homeowners and Renters policies provide coverage for personal property.  These items are covered for losses caused by all the perils listed on your policy such as fire, windstorm, theft and vandalism.  However there are special dollar limits for certain collectible items for specific perils. For example, there may be […]

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Does my home insurance cover my home based business?



Does my homeowners insurance cover my home based business? Good question!  As with many insurance questions the answer is yes, and no.  There are several things to consider when starting a business from home. Business property At your home Property purchased by your business has very limited coverage on your personal homeowners policy.  Property used […]

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Insurance for your STUFF – Household Personal Property



You Bought a House! You’ve purchased a home. (YEAH) You met with your agent and calculated the estimated replacement cost for your hew investment and you’ve requested an insurance policy (because it’s a requirement of your loan).  So, what are getting for your hard earned money? What does your home insurance policy give you? Most […]

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