4 Reasons to Add Water Backup Insurance

If you asked homeowners to create a list of situations they hoped to never have to deal with at home, a sump pump failure would likely rank just underneath having a fire. Why? It’s a disaster. Typically, when a sump pump fails it causes water to backup into your home, sometimes bringing all kinds of […]

When To File a Claim

Homeowners insurance is designed to cover damage to your property caused by certain covered events. It stands to reason, as you are paying your premiums, you should take advantage of available coverage. The reality is, it is not always advisable to file a homeowners insurance claim as it can lead to higher premiums or even […]

Vacant Home Insurance

The words “vacant home” can have a pretty negative connotation. You probably picture a decrepit house with boarded up windows in a dilapidated area that no one would touch with a 39 ½” pole. In reality, nice, normal homes go vacant every day. Occasionally, people may buy an empty house to fix it up and […]

What’s Not Covered

Most standard homeowners policies provide protection from water damage if the cause is sudden and accidental. According to the Insurance Information Institute, you’ll likely be protected if, for instance, your drywall is drenched after your water heater ruptures or an upstairs pipe bursts and water saturates the ceiling below. Homeowners insurance does not cover all […]