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December 26, 2024
5 Unexpected Factors Impacting Your Home Insurance Costs
1. Credit Score Your credit score doesn’t just impact loan approvals; it also influences your home insurance premiums. Insurers often rely on credit-based insurance scores to gauge risk, and those with higher scores may enjoy lower premiums. For example,…
December 18, 2024
Prepping for a Hurricane
Understanding Your Risk The first step in hurricane preparedness is understanding your home’s vulnerability. Assess your risk by: Review Your Insurance Policy Your insurance policy plays a pivotal role in hurricane preparedness. Here are key components to check: Take the…
December 11, 2024
Understanding Flood Insurance: Who Needs It and What It Covers
Who Needs Flood Insurance? Homeowners in High-Risk Zones: If you live in a designated flood zone (often labeled as a Special Flood Hazard Area, or SFHA), flood insurance is usually mandatory if you have a mortgage backed by a federal…
December 4, 2024
Will My Home Insurance Cover Home-Sharing?
Understanding Home-Sharing Home-sharing allows homeowners to rent out their space to travelers, providing an excellent opportunity to earn extra income. However, it’s essential to recognize that this can also introduce new risks, which standard homeowners’ insurance may not cover. Standard…
December 2, 2024
My Insurance Cost Went Down—What’s the Catch?
Why Your Premium Might Drop There are several reasons your insurance rate might decrease, and it’s usually a result of positive changes, like: Improved credit score: Insurance companies use credit information when determining premiums, so if your credit score has…