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April 10, 2025
Why Is Home Insurance So Hard to Find in Your Area?
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…
March 27, 2025
What’s a Good Claim vs. Bad Claim?
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…
February 27, 2025
How Does Auto Insurance Affect Homeowners Insurance?
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…
February 13, 2025
The Power of Bundling: Get the Best Insurance Coverage
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…
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 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:…
October 31, 2024
Selecting Your Homeowners Insurance Policy
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…
October 24, 2024
Homeowners Insurance: A Partnership That Benefits You
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…