Backpacks, furniture, clothing and tea cups are all different in their design and function, but the same in how homeowners insurance classifies these items on a policy. Personal property, otherwise known as coverage c, provides coverage for all of your possessions providing they are not excluded on your policy.
Homeowners Insurance Archives
You may have heard of the term “dwelling fire” when speaking with one of our agents about insuring your property, especially if it’s an investment property like a home you are planning to rent out or a multi-unit apartment building. Although, we’ve seen our clients get a dwelling fire policy because it’s just not the primary residence (vacation home, secondary home, older homes, etc.)
As a homeowner, you take pride in protecting and providing for your family. You lock your doors at night, close your windows, and even have a boisterous dog to ward off intruders. But for some, these precautions are not enough. A home security system with high definition cameras and top-of-the-line technology gives many homeowners extra peace of mind.
Promoting ambiance, romance, or perhaps a little bit in-between, candles are common fixtures in homes and apartments. Their fragrant scents are sought after by many, but they also pose a big fire risk if you aren’t vigilant.
Walloping the Northeast, Winter Storm Riley packed quite a punch along the coast, especially along the water where the towns of Scituate and Quincy were hit the most. Knocking out power for nearly half a million people, many are still reeling from the effects of this winter storm.
We’re a few weeks into the New Year, and many people have New Year’s resolutions they want to fulfill. One big goal – or food for thought – we try to instill in our homeowner’s insurance clients is the importance of creating a home inventory list.
Snow accumulation and freezing temperatures work together to create one pesky three letter word that no homeowner likes – ice. Ice comes in the form of black ice, icicles, and ice dams. Only one threatens your home. Can you guess which one?
Purchasing a home is a huge deal. You have to think about location, proximity to schools, crime rates, mortgage cost, and everything else in-between. Your homeowner’s policy is a core component to protecting this investment. Gathering all the facts is key to coming to a conclusion on any major decision. So let’s debunk myths, de-mystify the situation and get informed. [Read more…]
Moving is a stressful time, especially when coupled with selling your old home and buying a new one. As homeowners, you have significantly more work to do then a tenant in a similar situation. From managing the property deed, getting inspections and last-minute renovations done, and having an open house for your home on the market, your homeowners insurance is probably one of the last things on the list for you. But how does homeowners insurance work when you’re moving homes? [Read more…]