home insurance tips Archives

One of the things we always say is that home insurance seems to be the same until you have a claim. Here is an example to help explain what we mean. We recently had a gentleman call in for a home insurance quote for a large house. We provided a...

Today we’re talking about something that you may expect to be covered by your home insurance when it actually is not. Today we’re talking about water back up coverage. With water backing up we’re dealing with dirty water so we’re talking about a drain lines or sewage lines failing and...

Almost every week we have customers call in who are looking to purchase a home, but the home has some existing damage or some component of the home is outside of insurance guidelines that would generally make the home uninsurable – such as an old roof. The concern is that...

We were recently going over the personal property coverage with a first time home buyer and he said, “if my house burns down and my car is in the garage, will my home insurance cover it.” And the answer is…..unfortunately, no. In a standard home insurance policy there is a...

Did you know that many insurance companies have verbiage in the policy that will cap payouts from water damage at $10,000 on older homes? In this situation, we’re not talking about water back up but rather damage caused by pipes breaking or leaking, appliances leaking, roofs leaking, etc. You see...

Did you know the roofing material on your home can impact your insurance? This topic is especially important if you’re looking to purchase a home. Insurance companies have a ton of data on the degradation of roofing material. There is a high correlation between the age of the roof and...

home insurance tips

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