Homeowners’ Insurance

8 articles

Homeownership & Roof Replacement: RJK Construction

Owning your home is a big deal. It’s the quintessential goal toward which so many strive. Something else about homeownership: it's a never-ending investment. But since we recognize that from the outset, we can understand why insurers could chalk up major home repairs—such as roof replacement—to the natural progression of home ownership and maintenance. Seeing then, that at some point…
Overlooked and Underinsured: A Study in Umbrella Insurance

Overlooked and Underinsured: A Study in Umbrella Insurance

Like toting an umbrella on any given sunny day, protection begins with a 'just-in-case' mentality. In our daily lives, proverbially changing winds can pick up, and conditions can quickly take a turn for the worst. Put simply, "Accidents can happen, even to careful people." So protection from the unexpected, unanticipated, even unbearable is a fundamental need that unites us all.…
Renters 101: Back-to-College Insurance Basics

Renters 101: Back-to-College Insurance Basics

Crisp, cool mornings mean fall is on its way, and students are back in class. But with this year's projects and papers already looming, your favorite students probably aren't thinking about protecting what's theirs. So let's talk it out and see how back-to-college can mean taking a fresh look at your insurance. Left, Right, or Justified? If you own a…

Zn Dy feature logoinventory: Not just for businesses. In the event of natural disaster, fire or theft, a comprehensive accounting of personal property is priceless. Yet who of us can itemize by rote what’s stashed in the living room, let alone the attic, hall closets, basement, etc.? Especially when it comes to determining replacement value on damaged, destroyed or “irreplaceable” items, your annually-updated inventory could save you. And while compiling a room-by-room list of property and values isn’t going to rock your world, it could be the key to rebuilding it. So, take a weekend and do yourself a favor. Remember to include garages, patios, and sheds. Digital backup is also a must, along with photos, videos and receipts; the Insurance Information Institute’s KnowYourStuff.org is a place to begin.

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Home Valuation: Why Your Homeowner’s Policy Differs from the Market Value

Home Valuation: Why Your Homeowner’s Policy Differs from the Market Value

( Image caption: Dirk impassively assumes his newfound gargoyle heritage. ) Whether a distant memory or yesterday's ordeal, ultimately, buying your home was worth it. You have a place that's truly your own. And while, over the years, your home's intrinsic value compounds, you can't always say the same for its market value. So when your homeowner's policy comes time…

Pool Party Poopers

Budding trees, bright, happy flowers... winter is long gone. And during the lovely interim that is spring, you know we're all dreaming of the lazy days of summer. Saturdays spent poolside, drink in hand, relaxing from a long week of work or school. But this quintessential summer fun spot can quickly become a danger, even a serious liability. Wet, slippery…
The Power of Flood Insurance

The Power of Flood Insurance

Filling the Gaps In every sense of the word, water is awesome. A powerful force of nature, it can both preserve and threaten in one fell swoop. And whether it's too much or not enough, we suffer. In this season of thawing, melting and rain, the pendulum swings way past 'enough,' into the depths of 'too much.' Mass quantities of…
Home Insurance Policy Jargon

Home Insurance Policy Jargon

Watch Your Language! Many of our customers have described reading their homeowner’s policy as equivalent to having a tooth pulled! We agree that it can be a challenge and would like to help. Thus, we give you a collection of explanations and suggestions to streamline the process. In regard to homeowner’s policies, the insurance industry employs two methods to reduce…