Are golf carts covered on a homeowners insurance policy? The short answer is yes, but with major limitations. While a standard homeowners policy usually provides some coverage, it is often restricted to specific locations and uses. Here is how the coverage generally breaks down: Where You Are Covered On Your Property: Most policies cover the […]
Protecting What’s Underground: A Guide to Service Line Coverage
When you think about home maintenance, you probably picture leaky faucets, roof repairs, or maybe a furnace tune-up. But there is a massive network of infrastructure buried right beneath your lawn that most homeowners completely forget—until it breaks. Service Line Coverage is an increasingly popular endorsement (an optional add-on in most cases) to a standard […]
How Much Liability Coverage Is Enough?
“How much liability coverage do I need?” The honest answer is often uncomfortable: it may depend on how much you are being sued for. Many people choose lower liability limits on Auto Insurance and Homeowners Insurance to save money. On paper, that choice can look harmless. The monthly savings feel real and immediate. The risk, […]
Why You Should Review Your Insurance Every Year
Life tends to move fast. In a single year, you might buy a new car, finish a basement, or even get married. While these moments are exciting, they often change what you need from your insurance. Most people tend to buy a policy and then forget about it. However, setting aside time for an annual […]
Understanding Rental Insurance
Renting a home can be a great way to enjoy flexibility, convenience and lower upfront costs. But many renters are surprised to learn that a landlord’s policy is likely to protect only the building itself. Your belongings and your personal liability are separate issues, and that is where Rental Insurance comes in. This type of […]
Insuring Your Next Event
When planning a big event, most of the attention goes into details like food, music, decorations, and location. What often gets overlooked is something that can protect the investment of time and money behind the scenes: Event Insurance. Event Insurance is designed to help cover risks that come with hosting or attending large gatherings. It […]
Considerations when Replacing Your Roof
When the time comes to replace your roof, many homeowners find themselves weighing several choices. Roofing is more than shingles or tiles; it is about protecting your home, controlling costs, and the effect each roofing option has on your Homeowners Insurance. While the right choice depends on budget, climate, and personal preference, it is helpful […]
Why Insurance Rates Have Risen.
Insurance has become more expensive over the past year, and many people are asking the same question: Why? While there are several factors, one of the most important is the severity of claims and the continued impact of catastrophic, or CAT, losses. These events affect the entire system, even if you personally have not experienced […]
Back-to-School Insurance Considerations
As summer comes to an end, families across the community prepare for a busy back-to-school season. New routines often bring new responsibilities, from adjusting daily schedules to thinking about safety on the roads. For many families, it’s also a time to revisit insurance needs, especially with older children leaving home for college. Whether it’s ensuring […]
Why Your Homeowners Coverage A Limit May No Longer Be Enough to Rebuild
If you bought your Homeowners Insurance 15 years ago, you probably haven’t forgotten how affordable things once were. In 2010, the cost to build a new home was about $130 per square foot. Today, that number is anywhere between $225 and $300 or more. That kind of increase can mean that the coverage amount on […]
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