Understanding the Cost to Rebuild Your Home

New home construction framing

Your home is one of your most valuable assets. Make sure you have enough dwelling coverage on your homeowners insurance policy to rebuild it to its original state if it’s destroyed by fire or other covered cause of loss. And while the current market value of your home may be lower than you’d like, the read more→

What is EPLI and Why Should Businesses Purchase It?

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Employment Practices Liability Insurance (EPLI) protects against wrongful termination, discrimination (age, sex, race, disability, etc.) or sexual harassment suits from your current, prospective or former employees. This coverage applies to directors, officers and employees, and can sometimes extend to third party liabilities. From the moment that you start the pre-hiring process until the exit interview, you read more→

Eight Ways to Keep Your Home Safe While on Vacation

Home security

As you prepare for your next vacation, you plan every detail from the travel and hotel accommodations to the sights you’ll see and places you’ll eat. But do you also plan how to keep your house safe while you’re gone? An empty house can be an easy target for a burglar. The key to deterring read more→

Getting Married? Insurance FAQ for Newlyweds

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Getting married is a significant rite of passage in a couple’s life. And while you’ll probably become preoccupied with wedding planning from the moment you or your partner pops the question, it’s far more essential to plan for everything that comes after you’ve said your vows. As boring as it may seem, it’s essential to read more→

Why Home Buyers Should Get a CLUE Report

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What is a CLUE report? CLUE (Comprehensive Loss Underwriting Exchange) is a history of claims associated with an individual and his/her personal property (home or auto). A CLUE report includes: Date of a Loss Type of Claim (water damage, fire, wind, vandalism, theft, etc.) Amount Paid Out and Reserved by the Insurance Company Loss history remains read more→

Simple Steps to Prevent a House Fire

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Fire in a home is a tragedy. A greater tragedy is that most home fires can be prevented. Learn the facts about fires and share them with your family. Fire can become life-threatening in two short minutes and an entire house can be engulfed in flames in just five minutes, according to the Federal Emergency read more→

Renters Insurance: Frequently Asked Questions

Woman Moving Into New Home And Unpacking Boxes

Many renters don’t carry insurance to protect against the destruction or loss of their personal possessions. While the majority of American homeowners are insured, the Insurance Information Institute conducted a survey that showed only about 30 percent of renters had renters insurance. This means nearly 70 percent of renters are without coverage should fires, thefts or other read more→

Sewer Backup

Builder Repairing Sewerage Pipe On Site

Backed up sewers can wreak havoc on a home, causing thousands of dollars in damage to floors, walls, furniture and electrical systems.  Sewer backup coverage is available from most insurers for a nominal cost—usually an additional annual premium of $40-$50. For homes that have been severely damaged and are uninhabitable, homeowners policies may provide Loss read more→

Fireplace Safety Tips

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A fireplace can provide warmth on a cold winter evening, but if not maintained and operated properly, can become deadly. Keep your family safe by following these suggestions: Have your chimney and fireplace inspected and cleaned annually by a certified professional. Always use a fireplace screen. Clear the area around the fireplace and chimney of read more→

Ice Dam Tips and Information

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You may not know what ice dams are, but they cost the public millions of dollars each year. Ice dams form when warmth from inside a home causes snow on the roof to melt and trickle to the roof’s edge, where it refreezes, blocking gutters and drains. Since water cannot flow over the built-up ice, read more→