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A standard homeowners insurance policy covers personal property theft inside and outside your home. If someone steals your personal belongings from a hotel room or your home, homeowners insurance helps replace stolen items. A homeowners insurance policy’s coverage includes vandalism and paying for repairs if someone breaks into the home. Homeowners insurance coverage for theft […]

UPDATED: APRIL 27, 2023

When a winter storm is approaching, it’s not time to start thinking about blizzard preparation. If you’re not prepared for heavy snow, it’s likely to become uncomfortable and even dangerous. Winter storms and extreme colds are risky for you and your home. There is the risk of frostbite and hyperthermia, not to mention power outages […]

UPDATED: JULY 06, 2023

The Federal Emergency Management Agency (FEMA) responds to natural disasters and other times of crisis for the United States. FEMA’s disaster assistance occurs throughout the United States and its territories. Here’s a look at how FEMA operates and which states depend on the most on FEMA aid. What is FEMA? FEMA’s earliest history dates back […]

UPDATED: JULY 06, 2023

Termites are a type of wood-eating insect that can cause significant damage to homes and structures. They feed on wood and other cellulose-rich materials like paper, cardboard, or cotton. They are considered one of the most destructive pests in the world, as they can cause significant damage to property and food sources. Termites are typically […]

UPDATED: JULY 10, 2023

Part of choosing the best renters insurance policy is choosing what deductible is right for you. A deductible is an amount you pay out of your pocket when a claim is made on your renters insurance policy. If you have a high renters insurance deductible, it lowers the price of your monthly premium. The choice […]

UPDATED: JULY 06, 2023

A renters insurance policy has two main benefits: coverage for personal property and a renter’s liability. If you have liability coverage, it will protect you if someone is injured on your property. If you have a loss, it’s important to know how to file a renters insurance claim. What Does Renters Insurance Cover? A renters […]

UPDATED: APRIL 19, 2023

A stern warning has been sent to the world about global warming: If carbon emissions aren’t drastically cut in the next 12 years, we’ll experience severe flooding, heat, droughts, and climate change-related poverty. That means more extreme weather for people living in states that are more affected by climate change. Some states experience flooding more […]

UPDATED: JULY 06, 2023

Natural disasters pose a serious risk to property and life. As the climate changes, there’s increased natural disaster risk, especially in some regions of the U.S. Tornadoes, wildfires, and other events may occur without warning throughout the country. Let’s look at natural disasters by state, including where they strike the most and where they hit […]

UPDATED: APRIL 19, 2023

Whether you’re a homeowner or renter, having the right insurance coverage is essential to protect your property and belongings from unexpected events that can cause significant financial hardship. While both types of insurance offer similar protection, there are key differences between them that are important to understand. Homeowners insurance vs. renters insurance While home and […]

UPDATED: MAY 08, 2023

The question in every homeowner and buyer’s mind is whether home prices will drop in 2023. During the Covid 19 pandemic, mortgage interest rates and the inventory of homes for sale on the housing market were both very low. These factors caused home selling prices to astronomical heights. Homes were selling up to 40% higher […]

UPDATED: AUGUST 07, 2023