Home Insurance

Homeowners insurance protects you financially from losses related to the home you own or are purchasing. (If you rent your home, you would need insurance for renters.) If your home is damaged or destroyed by a fire, homeowners insurance can cover the repair or rebuilding of your home. If thieves rob your home or vandals damage it or your personal property, homeowners insurance can cover the repair, replacement or recovery of that property. If you are sued by someone who is injured in your home, you can turn to your homeowners insurance for help. If you find yourself liable for…

Building the home of your dreams requires you to think about insurance. Homeowners insure their homes with a homeowners policy—but what about the home that is still under construction? Perhaps some expensive lumber or copper piping is stolen from the construction site in the middle of the night: Some homeowners insurance policies might cover some losses, but their primary purpose is to cover existing homes. While your new home is under construction, builders risk insurance will financially protect it from perils related to its construction, as outlined in the policy. While builders risk insurance is not usually compulsory, it can…

Hey, Homeowner! You Should Review Your Home Insurance NowDid you know that one in 15 insured homes has a claim each year?Yes, according to the Insurance Information Institute, it’s only a matter of time before it’s your turn to file a home insurance claim. Wind, hail, water damage, freezing, theft, fire and lightning are just a few of the common culprits. Now tack on the probability of a liability claim or lawsuit being filed against you or a family member, and the likelihood of your home insurance staying on the bench forever is slim.Following is our handy checklist of to…