Category: Homeowners Insurance

Do I Need Flood Insurance?

You might think you don’t need flood insurance if you live in an area that is considered “high and dry.” Although some areas are more susceptible to flooding than others, flooding can occur anywhere. With heavy rains, spring thaws, or rapid accumulation of rain after a wildfire, flooding can occur in places that are not generally considered at risk. How Does Flood Insurance Differ from... Read Article

Homeowners Insurance: When Do You File a Claim?

Homeowners insurance is designed to cover damage to your property caused by certain covered events. It stands to reason, as you are paying your premiums, you should take advantage of available coverage. The reality is, it is not always advisable to file a homeowners insurance claim as it can lead to higher premiums or even cancellation in some cases. Underwriters tend to frown on policyholders... Read Article

Great Insurance Tips for First Time Home Buyers

Homeowners insurance is not required by law like automobile liability insurance. However, it is required by mortgage companies to protect the lender’s investment. Even if you were able to pay cash for your home, homeowners insurance is an important protection for what is likely your biggest asset. Following are some tips about homeowners insurance for first time home buyers. Get Renters Insurance to Help Lower... Read Article