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Homeowners Insurance 101

What is Other Structures Coverage – Coverage B?

Other Structures coverage, otherwise known as Coverage B on your homeowners insurance policy, which is typically the second line item on your policy declarations page. Other Structures coverage protects physical structures which are on your property and not attached to your home.

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Homeowners Insurance: Dwelling Coverage- Coverage A Explained

Valuable information on Coverage A

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Are You Properly Insured? – Coverage A

When considering your Coverage A limits, it is important you know how much it would cost to replace your home should a total loss occur at today’s building costs.

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Understanding Liability Coverage

Here is some important information about liability coverage to help you better understand what is covered within your homeowners insurance policy.

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Are My Personal Possessions Covered?

      Over the years we accumulate lots of personal belongings. These belongings can include furniture, clothing, sports equipment, and jewelry.  Your personal possessions are likely to be worth more than you may think, and should they become lost, stolen, or damaged, you will want to make sure you have enough coverage to help replace them. This coverage is known as Coverage C.   Before you experience a loss to your personal property, it is highly recommended to create a home inventory of your personal belongings in the event you should need to file a claim. The Washington Post reports only 44% of homeowners have taken the time to create an inventory of their belongings. Although creating an inventory of all your belongings can seem like quite a daunting task, it can be quite simple. Start by listing your items, their estimated value, and their make and model numbers if applicable. Update your inventory annually to add or remove items as necessary.   Should y ...

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Renter’s Insurance for Your College Student Living Off-Campus

When preparing your children for college, you may be contemplating what classes they will be taking more than thinking about insurance. If you are leasing an off-campus apartment for your college student, it is important you protect their possessions. In college, many students bring very expensive belongings with them such as their electronics, furniture, clothing and other valuables. You may think your homeowner’s insurance policy will cover a college student’s belongings who live off-campus. However, homeowner’s insurance policies usually do not cover belongings, which is why it is essential to purchase a renter’s insurance policy.   Renter’s Insurance usually includes:   1.    Personal Belongings Coverage: Coverage for student’s belongings if they are stolen or damaged.   2.    Liability Coverage: If the student is found legally responsible for someone else’s injuries or accidental damage to their p ...

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Is Your Home at Risk of Flood Damage?

Find out if you need flood insurance.

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3 Things to Know About Flood Insurance

Here are three things you should know about flood insurance.

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Homeowner Responsibilities

Do you know your responsibilities as a homeowner?

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Why Homeowners Insurance is Necessary

Here are three reasons why homeowners insurance is necessary.

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