Home Insurance

Personal property is the stuff you own — furniture, electronics and clothing, for example. Whether you own a home or rent an apartment, insurance policies typically include personal property coverage. This type of coverage helps pay to repair or replace your belongings after a covered loss, such as theft or…

It’s Halloween, and that means creepy, crawly, ghoulish happenings are afoot. Anything can happen — including a zombie apocalypse*. On Halloween, we all enjoy handing out treats to the little monsters that arrive at our door asking for candy. Unfortunately, some of us have to deal with damage created by…

Gearing up for the Fourth of July holiday likely means family picnics, being outside and enjoying a fireworks display. But have you ever wondered how long can you let food sit out before it starts to go bad? Or when your next-door neighbor surprises the kiddos with sparklers and firecrackers, how…

Homeowners insurance typically covers wind damage, but in some cases exclusions may apply. Here are some things to consider when it comes to wind damage and homeowners insurance. When is Wind Damage Covered by Homeowners Insurance? Windstorms are among the perils generally covered by homeowners insurance. Some homeowners policies exclude…

If You’ve Been Impacted by Heavy Rain Keep Out of Standing Water. Hazards from floating debris, sewer contamination, live electrical wires and slippery surfaces can make wading in seeped waters extremely dangerous. Keep the Power Off. If your main electrical service panel is accessible without entering a basement or lower…

Homeowners insurance may help cover certain causes of storm damage, including wind, hail and lightning. However, damage caused by flood and earthquakes typically is not covered by a standard homeowners insurance policy. It’s important to read your policy to learn what types of storm damage may or may not be…

Homeowners insurance may help cover theft and break-ins. Several coverages in a homeowners policy help you recover from a burglary: dwelling coverage, personal property coverage and other structures coverage. Dwelling coverage helps pay for repairs if your home is damaged by a covered peril. This typically includes damage caused by…