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 […]
April 29, 2024
jdowdinsCan Home and Renters Insurance Cover Incidents Involving Your Pets?
Even the most docile or well-behaved pets could be startled by an unknown party, such as a guest, neighbor or passerby, potentially causing them to lash out or react unexpectedly. Fortunately, the liability coverage portions of many home and renters insurance policies can include incidents involving your pets, such as the following: Injuries—If your pet […]
April 22, 2024
jdowdinsIf a Tree Falls, Who Pays?
Every year, storms are responsible for felling countless trees and limbs. Unfortunately, some of those fallen trees damage homes and other property. Cleaning up the damage from a storm can be a difficult task, both physically and emotionally, and things can become especially tense when you discover that it’s your neighbor’s tree that damaged your […]
April 5, 2024
AgencyWhy Home And Auto Insurance Rates Are Continuing To Rise
Thanks to an unusual convergence of market trends, ushered in by the pandemic and followed by other disruptive events, you may see a bigger change to the cost of your home and auto insurance than usual when it comes time to renew your policies this year. Insurance rates are based on what an insurer thinks […]
March 21, 2024
jdowdinsWhat Are Insurance Coverage Exclusions?
Insurance policies are very commonplace. Chances are most people you know have at least a homeowners or auto insurance policy—many have both. Beyond these, other popular offerings include life insurance, dental insurance and health insurance. Insurance is designed to help pay for losses you experience. For example, homeowners insurance may help pay for a broken […]
March 18, 2024
jdowdinsAre You Prepared For A Flood?
March is National Flood Awareness Month, and it’s the perfect time to make sure you’re prepared for a flood. Flash floods can occur within minutes or hours of excessive rainfall, a dam or levee failure, or a sudden release of water held by an ice jam. Overland flooding, the most common type of flooding event, […]
March 8, 2024
jdowdinsHow to Prevent Mold in Your Home
Mold can wreak havoc on your home and lead to significant property damage and financial losses. Mold can also cause various health issues for you and other members of your household, potentially leading to medical complications and expenses down the road. In addition to the various potentially harmful impacts of mold, these issues can arise […]