Category Archives: Homeowners Insurance

Actual Cash Value vs. Replacement Cost – Do You Know the Difference?

Forty percent of homeowners are not aware of what their home insurance policy actually covers, and almost one in five policyholders believe they don’t have enough insurance to repair or replace damaged or stolen property, according to a national study Mercury Insurance conducted in 2018. One specific area of confusion is the difference between “Actual

Prevent Home Insurance Claims by Spring Cleaning

Tend to your home this spring to avoid costly home insurance claims. Spring is a time of renewal. For many homeowners, it’s a time to deep clean the house and blow away the cobwebs from winter. But did you know that spring cleaning can also help you avoid having to submit homeowners insurance claims? Take

Why are home fires larger today?

A fire in a modern home is a “perfect storm,” according to safety consulting and certification company UL (Underwriters Laboratories). Larger homes, more open layouts, new construction materials and other factors mean fires burn more quickly, leaving less time for occupants to escape — and for firefighters to stop the flames. How much less time?

Insurance Tips

You keep your car filled up with gas so you don’t get stranded on the side of the road. And, your phone is charged so your loved ones can reach you. But, what kind of safety measures do you have in place for more extreme scenarios? What if you lost everything you owned in a

Spring Home Maintenance Tips

The warm days of spring are a perfect time to do a thorough spring cleaning and perform home maintenance. Tasks such as cleaning out your gutters, checking for dead trees and branches and cleaning and inspecting home mechanical systems, such as heating and air conditioning equipment, can make spring a season of safety. Here’s a