Learning Center

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…

Types of Water Damage  a. Clean Water Damage  This type of damage is caused by clean water sources, such as broken pipes, overflowing sinks, or rainwater. Clean water damage is typically the least harmful and can often be addressed quickly.…

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 important…

What Is Homeowners Insurance?  Homeowners insurance is a type of insurance that provides financial protection for your home and personal belongings in the event of damage, theft, or certain types of liability claims. In exchange for paying a monthly or…

Assessing Your Current Policies  Before packing your boxes, take a moment to review your current home insurance policy. This will help you understand the coverage you have and identify any areas that may need adjustment. Look for specifics such as: …

Winter Weather and Insurance Implications  Winter can be harsh, bringing snow, ice, and freezing temperatures that pose significant risks to your home.  Common Risks: Frozen pipes, ice dams, and roof collapses are prevalent issues during winter. These can lead to…

What does homeowners insurance cover?  In general, homeowners insurance provides financial protection against damage to your home and personal property. Policies and carriers vary widely, but homeowners insurance typically covers:  Structural Damage: Repairs or rebuilding costs if your home is…