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Insurance Basics for New Homeowners

You’ve been searching for the perfect house for months. Finally, you find the one. After your offer is accepted and a small mountain of paperwork is signed, it’s yours. What are you going to do next? Let Michael Davis Insurance help you find affordable home insurance now. If you’re smart, before you pack a single box, you read more


Bundle Your Home and Auto Insurance

Need to insure both your home and vehicle? A convenient way to save on both your home and auto insurance policies is to buy both from the same company, a strategy known as “bundling.” According to the J.D. Power and Associates U.S. National Auto Insurance Study, 58 percent of consumers bundle their auto and home read more


Helpful Tips for When to Replace a Roof

You probably don’t think about your roof very often. Unless something goes wrong, that is. A leak is usually your first indication you need to replace your roof, but you don’t need to wait that long. There’s a lot you can do before it gets to that point. These tips will help you decide when read more


How Your Home Insurance Can Vanish

It can happen unexpectedly. Maybe you took an extended vacation. Perhaps you placed your home on the market and moved into a new one. Or maybe you’ve gone into a nursing home temporarily. If you’ve moved out of your home for any reason – including renovation – your home insurance policy may have moved out, read more


Common Coverage Excluded from Homeowners Insurance

Homeowners should be informed of what their homeowners’ insurance covers and what it does not. Failure to completely understand your policy can result in a lack of adequate coverage when you need it most. Below are the top four coverage options that many homeowners do not realize are excluded in their policy: Floods – Many homeowners read more


Is Your Shed Covered by Your Homeowner’s Insurance?

Many of us who own a home also have a shed in our backyard.  Sheds are convenient for storing items that you don’t have room for in your house or garage including lawn equipment, furniture, bicycles, tools and other valuables. Some of these items are extremely expensive and would be costly to replace if damaged or read more


How to Insure a Home Being Constructed

Most home buyers opt to buy a home that already exists. But maybe you’re thinking of buying a home that’s being constructed—either by you or by a contractor of your choice. If you plan on moving into a home that doesn’t yet exist, there’s more to it than finding the right contractor. You’ll also want to read more


Determining Home Replacement Cost

When searching for homeowners insurance coverage, you rely on the insurance company to insure your home for it’s full replacement value. When you purchase your home, you are paying for both the market value of the home (minus any negotiated compromises) and the land value. Most people think that you should insure the home for the price read more


My Neighbor’s Tree Fell on My House! Who Pays?

Is windstorm damage covered on a standard homeowner’s policy? The quick answer is: Yes. Windstorm is a covered peril on a standard homeowner’s insurance policy. The more interesting question, however, is often whose homeowner’s insurance policy covers the loss? To use the example of a falling tree, we can look at a few different scenarios to address read more


Protecting Your Home: What Insurance Does and Doesn’t Cover

Understanding Your Home Insurance Policy As a homeowner, one of the most important aspects of your home isn’t something you use daily. And it isn’t something flashy you show off to friends. It’s your homeowners insurance policy, and it protects you in more ways than you may think, helping you rebuild your home or repair read more