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January 29, 2025
Your Insurance Score: What It Is and How It Affects Your Costs
What is an Insurance Score? An insurance score is a numerical representation of your risk profile based on various personal and financial factors. Your insurance score is typically derived from your credit report and includes several important factors. It’s…
January 22, 2025
Admitted vs. Excess & Surplus Carriers: Understanding the Difference
What Are Admitted Carriers? Admitted carriers are approved by the state’s insurance department. This means they must follow strict regulations and offer policies that are backed by the state’s guaranty fund. If the company becomes insolvent, the guaranty fund…
January 15, 2025
The 411 on Lender-Placed Insurance
What Is Lender-Placed Insurance? Lender-placed insurance (also known as forced-placed insurance) is a policy your mortgage lender buys when you don’t maintain the insurance coverage required for your property. It ensures the property is covered, but often provides less…
January 8, 2025
Types of Home Insurance Policies: A Guide for Every Homeowner
HO-1: Basic Form Covers a limited set of perils such as fire and theft. This policy is rarely used today because of its restricted coverage. HO-2: Broad Form Offers slightly expanded coverage for events like windstorms, hail, and vandalism. HO-3:…
January 2, 2025
High-Value Home Carriers: What You Need to Know
What Are High-Value Home Carriers? High-value home insurance caters to homeowners whose properties exceed the limits of standard policies. These carriers specialize in insuring homes with high market values (typically $1.5 million or more), distinctive architecture, and valuable contents like…