It can. Many insurance companies offer discounts when customers purchase multiple policies with the same insurer. However, the amount you save, and whether bundling is actually the most affordable option, depends on your individual situation.  Here’s what you should know before deciding whether to bundle…

In many cases, homeowners insurance may cover damage caused by hail when it is a covered peril under the policy. However, coverage depends on the specific policy, deductible, exclusions, and circumstances surrounding the loss.  Here’s what homeowners should know.  What Can Hail Damage?  Hail can…

Here are seven things homeowners’ insurance may not cover.  1. Flood Damage  One of the most common misconceptions about homeowners’ insurance is that it covers flooding.  Generally, standard homeowners’ insurance does not cover damage caused by flooding. This can include water that enters your home because…

When should homebuyers start thinking about homeowners insurance?  Chris: Ideally, homebuyers should start thinking about insurance as soon as they are under contract. Waiting until the last minute can leave buyers scrambling to secure coverage and may create challenges during the…

Insurance premiums are influenced by many factors beyond an individual homeowners claim history. Carriers consider the overall cost of protecting homes, including construction expenses, weather risks, and changes in the insurance market.  Understanding what impacts your premium can help you make informed…

An annual policy review can help ensure your coverage reflects your current needs and gives you the opportunity to ask questions before the unexpected happens.  What should homeowners review?  Has your home changed?  Have you made major purchases?  Has your lifestyle changed? …

We spoke with Chris Walton, Agency Manager, about why homeowners should review their insurance coverage before and after making major improvements to their home.  Q: Do I need to update my insurance policy if I’m making improvements to my home?  Chris Walton: Yes.…

We sat down with Chris Walton, Agency Manager, to discuss when young adults should consider getting their own insurance coverage and what they should keep in mind as they navigate these important transitions.  Q: When should young adults consider getting…

While most outdoor excursions go according to plan, unexpected situations can arise. Taking a few simple precautions before you head out can help protect you, your family, and your belongings.  Plan Before You Go  Before setting out on your adventure, research your…

Here are a few important insurance considerations to keep in mind.  Protect Valuable Electronics  Today’s students rely heavily on laptops, tablets, smartphones, and other electronic devices. These items can be expensive to replace if they’re lost, stolen, or damaged.  Take inventory of…