Insurance News Center

Depending on the terms of your home insurance policy, some weather-related damages may not be covered. To ensure you have sufficient coverage, you must first understand what weather claims are typically covered under a standard home insurance policy.

Perils typically covered under your insurance policy include:

  • Lightning strikes—Lightning may result in severe smoke or fire damage, or cause power surges that can damage appliances or electronics in your home...
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Home insurance is important to help you financially recover from a disaster. Unfortunately, the more claims you file, the more expensive your insurance rates will be. Although all claims will likely raise your home insurance rates, these five will have the greatest impact on your home insurance premium.

  • Fire claims occur when your home becomes damaged or destroyed by a fire.
  • Liability claims are filed if a person is injured or their...
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Your homeowner’s insurance policy is there to protect you from losses like fires and burglaries, but an often forgotten part of having this coverage is documenting your possessions. Insurance carriers are much more likely to reimburse you if you can show them a lost item’s value and condition. Plus, a completed home inventory can help you determine if you have enough insurance coverage.

Consider these tips when you’re conducting an inventory of your possessions:

  • Walk...
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Your home should always keep your family and possessions safe by keeping out any unwelcome visitors. But unfortunately, a report from the FBI found that a home theft occurs every 13 seconds, with an average loss of over $2,400.

Thefts can happen in any neighborhood, since an experienced thief can enter any building. Help secure your home with these seven theft prevention tips:

  1. Keep all of your doors and windows locked, even when you’re at home. The FBI estimates that 79%...
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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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