Frequently Asked Fridays – If a pipe bursts in my yard, am I covered?

Many homeowner's do not realize if a pipe bursts in their yard it's their responsibility. Under homeowners insurance, any pipe damage within the home is, of course, covered. If any pipe damage happens in the street in front of your home, that is the city's responsibility. But what about the space between your curb and your home? If a pipe bursts inside your yard and... Read Article

Frequently Asked Fridays – Does Homeowners Insurance Cover Dog Bites?

We can all agree that love for our furry friends knows no bounds. But, in the event of a dog bite, whether it's between your dog and another dog or your dog and a human, you could have a lawsuit on your hands. Say what?! The good thing is: Most of what your dog does is actually covered by your homeowners insurance. This comes in... Read Article

Frequently Asked Fridays – Do I Have A Grace Period For Homeowner’s Insurance Payments?

We started #FrequentlyAskedFridays because a majority of people buy insurance based on blind trust. The goal of this series is to shed light on the most frequently asked insurance questions to keep you more informed. How late is too late when paying homeowners insurance? While health and life insurance policies may be required by state law to give you a grace period for payments, property... Read Article

Protecting Your Home Through The Seasons

Blazing sun, sub-zero temperatures, or any extreme weather conditions can wreak havoc on your home. Seasonal maintenance can go a long way toward preserving the condition of your home. The following are home maintenance checklists for winter, spring, summer, and fall. Winter Home Maintenance Vacuum HVAC registers to remove dust and debris. Flush out water heater to remove built-up sediment. Clean refrigerator coils. Check caulking... Read Article

Do I Need Flood Insurance?

You might think you don’t need flood insurance if you live in an area that is considered “high and dry.” Although some areas are more susceptible to flooding than others, flooding can occur anywhere. With heavy rains, spring thaws, or rapid accumulation of rain after a wildfire, flooding can occur in places that are not generally considered at risk. How Does Flood Insurance Differ from... Read Article