Category: Home

For most homeowners, the furnace or boiler is the heart of their home’s heating system, silently working to keep the indoor environment comfortable regardless of the weather outside. However, when something goes wrong with these essential components, the cost of repair or replacement can be significant. This is where homeowners insurance might come into play,… Continue reading Homeowners Insurance Coverage for Furnace and Boiler

When a broken window disrupts your home, you’ll likely wonder if your home insurance covers the damage. Home insurance aims to shield homeowners from unexpected financial losses, but coverage for situations like broken windows varies. This guide simplifies how home insurance may cover broken windows, what types of coverage exist, and what limitations and exclusions… Continue reading Does Home Insurance Cover Broken Windows? A Guide

Renters insurance is an essential safeguard for tenants, offering protection for personal property and liability, among other benefits. One critical aspect of renters insurance is its coverage in a fire. Understanding the extent and limitations of this coverage is vital for renters to ensure they are adequately protected. Coverage for Personal Property Damage   At… Continue reading Renters Insurance Coverage in the Event of a Fire

Homeowners insurance is a vital safety net that protects your home and belongings from unforeseen disasters. Yet, navigating through your policy’s specifics can often feel overwhelming. A key component of understanding your coverage lies in recognizing the perils that are included and those that are not. Here’s a comprehensive guide to help demystify the coverage… Continue reading Home Insurance: Covered Perils Explained

Homeowners often face unexpected repair challenges, but sewer line damage can be particularly distressing. The complexity and cost of repairs, which may involve excavation and the replacement of underground pipes, prompt a critical question: does homeowners insurance cover sewer line damage? This article discusses  the nuances of homeowners insurance policies, endorsements, and what homeowners need… Continue reading Does Homeowners Insurance Cover Sewer Line Damage?

When adapting a home to meet the needs of the elderly or disabled, the question of insurance coverage often arises. Home modifications, such as ramps, grab bars, and widened doorways, are essential for creating a safe and accessible environment. However, there’s a common misconception that homeowners insurance will cover the cost of installing these modifications.… Continue reading Are Disability Home Modifications Covered by Insurance?

  The dream of homeownership frequently brings to mind the ideal of a perfect, move-in-ready house. Yet, due to increasing real estate prices and competitive markets, many aspiring homeowners consider fixer-uppers a practical choice. Fixer-uppers provide more space for less money, allowing buyers to reside in preferred locations or acquire larger homes through renovations. This… Continue reading Is a Fixer-Upper Home Right for You?

Homeownership brings the joy of personalizing your space and the responsibility of protecting it. While homeowners insurance is a well-known safeguard for the primary dwelling, there’s a lesser-discussed but equally crucial component: other structures coverage. This facet of homeowners insurance extends protection beyond the main residence, covering damage to detached structures on your property, such… Continue reading Other Structures Coverage in Homeowners Insurance

When it comes to enhancing the appeal and security of a home, many homeowners ponder whether installing a fence is a worthwhile investment. The answer could be more straightforward: adding a fence can increase the property value under certain conditions. The material and construction quality, the purpose behind installing the fence, and the property’s location… Continue reading Does a Fence Increase Property Value?