October 31, 2024
jdowdinsLower Your Home Insurance Costs By Maintaining Your Roof
Maintaining your roof can save you money, while a roof that is not regularly maintained may lead to difficulty in obtaining coverage. Ways you can prolong the life of your roof: Invest in Maintenance Identify issues early on so that they can be addressed promptly. Look for staining, lifting, cracking, missing or loose shingles, and […]
October 2, 2024
jdowdinsBattling Insurance Premium Increases: Smart Strategies for Savvy Consumers
Insurance premiums can often feel like a rollercoaster ride, with unexpected increases that strain your budget. Whether it’s auto or home insurance, rising premiums can be frustrating. Fortunately, there are several effective strategies you can employ to combat these increases. By adjusting your deductible, participating in telematics programs, avoiding unnecessary claims, and shopping for better […]
August 7, 2024
jdowdinsHow Do Insurers Calculate Home Premiums?
In the world of insurance, it’s essential to understand key terms in order to navigate and make informed decisions about policies. One of these terms is insurance premium, which is the amount a policyholder must pay in exchange for coverage. Depending on the type of policy, an insurance premium must be paid monthly, twice a […]
July 29, 2024
jdowdinsHow to Protect Your Home From Break-ins
Even if you live in a relatively safe neighborhood, the threat of crime cannot be completely ignored. Unfortunately, there may be a time when a criminal sets their crosshairs on your home. To limit the risk of a burglar entering your home or even being tempted to try, consider the following strategies: Always lock your […]
July 17, 2024
jdowdins10 Signs A Tree May Fall On Your Property
Trees can be valuable additions to any property; however, each year, fallen trees and branches cause millions of dollars in property damage. It is crucial to proactively recognize signs a tree may be at risk of falling to help prevent dangerous and costly accidents. Cracks in the trunk could signal a structural weakness. An increase […]
July 12, 2024
jdowdinsTo File or Not to File: Understanding the Impact on Your Insurance Premium
Filing an insurance claim can be a straightforward process after an unfortunate event such as a car accident or damage to your home. However, what many people don’t realize is that filing claims can have a significant impact on your insurance premiums. Here’s a breakdown of when you should think twice before filing a claim, […]
July 3, 2024
jdowdinsWhat Is The Process For A Home Insurance Claim?
Knowing how and when life will return to normal helps give you peace of mind when an unexpected loss occurs. Check out this general guide to the home insurance claims process, so you can understand what to expect if you have to file a home claim. Home Claim File a claim For many carriers you […]
June 20, 2024
jdowdinsWhat Kind Of Water Damage Coverage Does My Home Insurance Cover?
The amount and type of water damage coverage your homeowners policy has depends on what coverages you selected when purchasing the policy. Choosing the right water damage coverage for your home can be quite confusing. To make sure you have the right coverage for your home starts with understanding the coverage options available homeowners insurance. […]
June 12, 2024
jdowdinsDoes My Insurance Cover Dog Bites?
Sharing your home with dogs can be a delightful and rewarding experience, often providing you and your family with company and comfort while encouraging you to enjoy the outdoors. However, while these furry friends can be beloved additions to your family and household, they may also come with potential risks. After all, regardless of how […]
May 13, 2024
jdowdinsHow To Avoid Contractor Scams
As a homeowner, you may need to make repairs or renovations to your home, or otherwise enlist the services of contractors. However, scammers and con artists may attempt to impersonate contractors and take advantage of your needs. Detect suspicious parties and avoid falling for their contractor scams by being wary of the following behaviors: Arriving […]