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 […]

Homeowner’s Insurance & Sewer Lines

Homeowner’s insurance covers the cost of fixing many of the problems that can arise in an aging home. It may cover water damage caused by a leaky roof, damage to interior pipes that burst due to age or poor insulation, and fire damage caused by faulty electrical wiring. While every policy is different, most homeowner’s […]

A Few Insurance Tips

Recently, I received a call from a couple who had a break in the stack pipe which caused water damage on the first floor and in the basement.  They contacted their insurance company, who explained that they didn’t want anything touched until their adjuster saw the damage after the home owner refused to hire one […]

Dogs & Insurance

Up to 47% of American households have a dog, and for insurance companies, these households represent a risk. In 2013, homeowners insurance policies paid out some $483 million in dog bite liability claims. Obviously, insurance companies would rather not be shelling out hundreds of millions of dollars over dog bites. But what are they doing to […]