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…

  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,…

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…

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…

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: …

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…