Beyond the Walls: What is Dwelling Coverage and How Much is Enough?

Posted: May 3, 2024

Dwelling coverage is the portion of your homeowner’s insurance that protects the physical structure of your home from common hazards. This includes not only the livable area of your house but also attached structures like your deck, porch, or garage. Since it covers anything that’s considered to be legitimately part of your home’s structure, it also covers things like built-in appliances. When it comes to unattached...

Replacement Cost vs. Market Value: What's the Difference?

Posted: May 1, 2024

If you were asked to describe the state of the housing market over the past few years, it could be summarized in one word: expensive.According to Home Bay, a real estate education platform, U.S. home prices increased an astounding 42% in the three years between March 2020 and March 2023.That data also showed that the national median home price rose to $468,000 as of 2022,...

What Does Homeowners Insurance Cover?

Posted: April 29, 2024

We all hope never to need that policy, but do you know exactly what a homeowners' policy covers? The answers may surprise you and even save you some money in areas you never realized! Homeowners' policies offer a wide range of coverages, from your home itself and structures on your property to liability coverage, even to loss of income coverages. As always, coverage will vary from...

Your Quick and Easy Guide to Electrical Safety at Home

Posted: April 29, 2024

Electrical dangers are serious business. From risk of shock to potential fires, you’ve got plenty of reasons to make sure your home’s electrical systems are in good shape and safe working order. Fortunately, in most houses, a simple walkthrough can help you identify and avoid the most common risks. (Having the right homeowners insurance can provide peace of mind, too.)Most fixes are simple and inexpensive, if...

What to Know About Hail, Roof Damage and Hail Fraud

Posted: April 12, 2024

A hailstorm just blew in through your neighborhood. Suddenly, there are people at your door telling you they can repair your home’s damage quickly and easily. What would you do? While some hail damage may be obvious, you can’t always trust that someone showing up to your door has your best interests in mind. If you’ve recently battled a hailstorm, here is what you need...