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Category: Homeowners Blog

Old Plumbing? Make Sure Your Insurance Will Let You Replace to Code

This winter, too many building owners will get caught by surprise: They'll have pipes burst in the cold, doing tens of thousands of dollars in damage. They'll get estimates to repair. They'll file a claim with their property insurance company - only to find out that their policy will only cover a fraction of their costs. The problem: Insufficient coverage for building code upgrades. Here's...

Does a Homeowner's Policy Cover Your Home Business?

Thanks to advances in technology and the Internet, more and more people are running home-based businesses, either full-time or part-time. But will a homeowner's policy cover the risks of a home-based business? In nearly every case, the answer is no. The only exception to this might be if a homeowner's policy has a special endorsement, such as to run a catering company from your home....

Insuring Your Student Away at College

Sending a child off to college is always an exciting and anxious time for parents. They worry about their child's safety, whether she has everything she needs, how she'll get along with her roommates, and whether she's ready for independent living. Between making sure that textbooks and supplies have been purchased, tuition bills paid and course registrations completed, it's natural that parents won't think about...

Home Insurance May Not Cover Everything In A Storage Unit

Self-storage units are growing in popularity according to a recent report from Bloomberg. New units and warehouses are being built every month to accommodate the growing demand for paid storage. From simple small garage-like units to large temperature-controlled luxury spaces, there are a wide variety of options. In 2015, about 10 percent of U.S. residents rented a storage unit. However, very few people think about...

Adult Children on Your Policies Can Create Coverage Gaps

These days, many families are assisting their adult children financially far longer than parents of earlier generations. And that kind of support for college, and sometimes basic survival, can create insurance coverage gaps for the adult child that can be a major risk to their parents' financial wellbeing. If you have an adult child who is still financially dependent on you in some way, it's...