1. Regional Risks Certain areas face more natural disasters or environmental risks, which make insurers hesitant to provide coverage. For example:  2. Insurer Withdrawals Some insurance companies pull out of high-risk markets altogether. If several insurers exit a region, fewer…

Not every home insurance claim is created equal. Knowing when to file — and when to pay out-of-pocket — can save you money and help you maintain your coverage. Here’s how to spot the difference between a “good” claim and…

Exterior Preparation:  Roof Inspection: Check for missing shingles or signs of wear.  Gutters and Drainage: Clean out debris to prevent water backup.  Yard Maintenance: Trim trees and bushes that could damage your home during storms.  Interior Preparation:  Plumbing: Ensure no…

  Bundling Benefits:  Combining auto and home insurance often unlocks discounts that reduce overall costs.  Bundling can simplify claims management by having a single provider handle both policies.  Shared Risk Profile:  If you’ve filed multiple auto claims, some insurers may…

  Significant Savings Through Bundling   One of the primary benefits of bundling your home and auto insurance is the potential for substantial savings. Many insurance carriers offer significant discounts when you bundle these policies together, with some requiring the bundle…

  What Are Mudslides?  Mudslides are a type of landslide where masses of earth and debris rapidly slide down a slope. They often occur due to the destabilization of soil on a hillside, triggered by events like heavy rainfall, earthquakes,…

  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…

  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…

  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…

  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…