Property Insurance

5 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…

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…
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…
A Field Guide to Business Insurance

A Field Guide to Business Insurance

Dealing with Dinosaurs: Battling Giant Reptile-Like Risk Entrepreneurs, sole proprietors, small business owners and employers are some of the most determined, hard-working, savvy, intrepid members of our community. Moreover, in recent years, it’s been in the face of some overwhelming odds. It gets better. Recent SBA statistics are in: “Since the end of the recession (from mid-2009 to mid-2013), small…