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Contractor Fraud: What It Is and How to Avoid It

With cases of contract fraud on the rise, homeowners must prepare to identify and respond to threats before they happen.

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Dwelling Coverage vs Market Value: What’s the Difference?

dwelling coverage vs market value

With home values significantly rising across the country over the past few years, it is important to understand the difference between dwelling value and market value when it comes to home insurance.

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Not All Homeowner Insurance Policies Are Equal

As I’ve mentioned before in previous blogs, I find it sad that personal insurance has gotten commoditized to the point where many consumers buy based upon funny commercials and/or cheapest price. However, it’s a battle that agents face every day…

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What factors can change the extent of hail damage on neighboring homes?

As the end of summer is approaching, now is a good time to revisit the phenomenon of hail and the possible damage it can do. As the National Severe Storms Laboratory indicates, hail is a form of precipitation consisting of…

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Protect Your Home-Based Business by Knowing the Coverage Options

A few years ago, my dad started his own archery business out of his and my mom’s garage. He LOVES hunting and has a passion for helping others improve their hunting experiences, whether it’s buying a new bow, fixing a…

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Utility Line Protection – A Hidden (or Buried) Treasure?

Our office had a couple of interesting conversations regarding digging up yards recently. In one instance, the husband of one of our account managers started to dig up someone’s yard to help them replace sewer lines. To his surprise, when…

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Medical Payments – The Forgotten Homeowner Insurance Coverage

There are a few homeowner insurance coverages that almost everybody has but very few think about. Personal liability is one of those coverages and even lower on the totem pole is medical payments coverage. However, that doesn’t mean it isn’t…

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De-cluttering and Taking Inventory

With Groundhog Day coming up this Sunday, what do you think Punxsutawney Phil will see when he emerges from his burrow? I’m hoping it’s cloudy and he doesn’t see his shadow, so SPRING can arrive early this year! Spring is…

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Saying “I Do”? Insure the ring too!

I’m still on Cloud Nine from my wedding day a couple weeks ago! I find myself looking down at my ring finger daily, not only because my rings are beautiful (if I do say so myself), but they are also very valuable…

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Should I Clear the Snow from my Sidewalk?

Winter is here and so is the age-old question: should I clear the snow from my sidewalk? To be completely honest, I had to do a little research on this, as I have been told “yes” as many times as…

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