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You’ve hired a reputable builder, collected paint swatches and selected the siding and now you’re finally ready to start that long-awaited remodeling project.

What Protection Does it Offer?

Whether your addition budget is large or small, you are adding both the value of your home and your exposure to risk. To ensure that your project goes smoothly and that you have the coverage you need, here’s what you need to know.

Working with General Contractors

The best...

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Did You Know?

The U.S. Fire Administration states that 75 percent of confined home heating fires occur in the chimney and flue of your fireplace. Performing simple safety measures and maintenance on your fireplace will ensure your family and home stay safe.

Here are some fireplace safety tips to consider:

  1. Keep it clear. Clear out any debris from the fireplace and keep all flammable items like furniture, blankets and papers a safe distance away at...
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Did You Know?

The largest source of fire in American homes comes from fuel burning appliances. The main causes of fire include inadequate clearance between the wood burner and walls, floors and furniture; creosote buildup in the chimney; poorly or improperly installed chimneys and improper installation of the wood burner itself.

Use these tips to safely use your wood burning stove:

  • Read the instructions for your wood burning stove and follow them carefully.
  • ...
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Fall is right around the corner, and, as the weather changes, it’s important to prepare your home and identify potential problems before they arise. Consider performing the following annual fall maintenance tasks to ensure your home is safe and ready for the months ahead:

  • Have your heating system cleaned and inspected by a qualified technician. Clean and replace the furnace filter if needed.
  • Insulate water pipes in areas exposed to cold temperatures.
  • Check for...
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Did You Know?

According to the Los Angeles Times, it may cost as much as 30 percent more to rebuild parts of a home than to completely build a new one from scratch. Demolition and removal of damaged property are pricey, limiting what a homeowner can do when rebuilding only parts of a home.

Limits on your homeowners insurance are established to protect your family in the event that something goes wrong. In an effort to remain protected while saving money, consider the...

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Did You Know?

Molds are organisms that breakdown animal matter and dead plants. Though most molds grow outdoors, they can travel inside by way of open windows and doors, air conditioning systems and on pets, clothing and shoes. Once inside your home, mold needs a moist food source, such as lint, ceiling tiles or wallpaper, to grow.

Try these prevention tips to keep mold out of your home:

  • Clean up any water damage or flooding thoroughly and immediately.
  • ...
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From the rooftop to kitchen range, we’ve gathered some homeowners insurance basics and how it helps you to protect one of life’s biggest investments—your home.

The Big Picture

It’s prudent to get enough insurance to do the following:

  • Completely rebuild your house in the event it is destroyed by fire or other insured disaster
  • Replace everything in the house
  • Protect your liability in case someone is injured on your property and sues you
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Did You Know?

According to the Los Angeles Times, it may cost as much as 30 percent more to rebuild parts of a home than to completely build a new one from scratch. Demolition and removal of damaged property are pricey, limiting what a homeowner can do when rebuilding only parts of a home.

Property Insurance Considerations

Limits on your homeowners insurance are established to protect your family in the event that something goes wrong. In an effort to remain...

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Remodels and other home improvements are an important part of being a property owner. When done correctly, these projects can add value to a home and make it more attractive to future buyers.

Unfortunately, hiring a contractor to complete home improvement projects is not always simple. The average homeowner is often unaware of the average cost of materials and labor. What’s more, construction projects can be stressful, and it’s common for individuals to rush when choosing a...

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The weather can change quickly during the summer months, sometimes catching outdoor workers off guard posing a serious threat to their safety. When working outdoors, make sure you have access to severe weather alerts, and know what—and what not—to do if severe weather strikes.

If a severe thunderstorm warning cautions against straight-line winds, seek shelter immediately, preferably in a building and away from windows.

Do not use electrical appliances.

Be aware that...

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