Category: Homeowners Insurance

Renovating? Don’t Forget to Remodel Your Homeowners Insurance

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Home Renovations Include Homeowners Insurance

Home ownership is a big responsibility and for the majority of homeowners their home represents their largest asset. Many people often view DIY programs and HGTV (headquartered in Knoxville, TN) for creative ideas on how to plan home renovations. After all, keeping a home in good repair and comfortable for one’s lifestyle can be expensive and frequently impacts the monthly household budget and disposable income. In fact, according to the…

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Water Damage Claim – Sudden vs Gradual

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Water Damage Claim-Sudden vs Gradual

Understanding the difference between a sudden vs a gradual water damage claim seems simple. But many insureds experience a rude awakening during a water damage event. Investopedia provides this definition for Water Damage Insurance: “Water damage insurance is a type of protection provided in most homeowners insurance policies against sudden and accidental water damage. Water damage insurance does not cover damage resulting from homeowner’s negligence or failure to maintain the…

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College Student Insurance for On and Off Campus Losses

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College Students Dorm Insurance

If you went off to college 10 or 20 years ago, chances are you left with your clothes and maybe a typewriter or a computer. Now as you prepare your college age children to venture off to their campus they might arrive with laptops, smart phones, digital SLR cameras, bicycles, sports equipment, televisions, and maybe a few books. With this in mind, have you considered protecting your child with college…

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Grilling Safety Tips Can Save Your Meal – and Much More

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Grilling Safety Tips

Summertime is the season for relaxing, vacationing, completing home improvement projects, or inviting friends and family for a delicious meal grilled on the barbecue. Over the past few weeks, two news articles caught our attention. WBBJ Eyewitness News (Jackson, TN) wrote “Summer Safety: Fire Up the Grill!” In late June, WSOC-TV (Charlotte, NC) published “South Florida Couple Grilling Steaks Loses Townhome When Fire Engulfs Building.” Today, our John Bailey Company…

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You Can Take the “Bite” Out of Dog Bite Liability Claims

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Dog Bite Liability Claims

“Happiness is a warm puppy.” – Charles Schulz. Many generations understand Mr. Schulz’s sentiment exactly. It could be that we still glance at a “Peanuts” cartoon and have fond memories of Snoopy. Maybe we welcome Marmaduke into our lives via the comic strip or movie. No doubt, we love our favorite dog movie(s), but in reality, dog ownership is a position of responsibility and we are almost always liable for…

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Homeowners Insurance Vacancy Clause – Who knew?

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Homeowner Insurance Vacancy Clause

Are you a homeowner? If so, you undoubtedly have purchased a homeowners insurance policy to protect your own interests, as well as your mortgage holder’s interests. It’s what we do, it is what we know we need to do. But have you ever heard of a homeowners insurance vacancy clause? Consider three scenarios that could trigger a homeowners insurance vacancy clause You know the familiar adage #LifeHappens. As we opined…

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High-Tech Autos Add To Higher Auto Insurance Rates

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High-Tech-Autos Higher Auto Insurance Rates

Are you in the market for a new automobile? Perhaps you spent Black Friday auto shopping. Yes, people really do go car shopping on Black Friday. In fact, The Nashville Ledger published a “how to” article on November 24, 2017, “How to shop for car deals on Black Friday.” Part of their step-by-step instructions included this caution: Bring along a copy of your current auto insurance card. But you may…

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Homeowners Insurance Endorsements

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Homeowners Insurance Endorsements

Undoubtedly, as 2017 proceeded, Americans have been alerted by the historical weather events Harvey, Irma and Maria which occurred from August 25, 2017, through September 16, 2017. And many homeowners have been shocked to learn that perhaps their homeowner policy and their respective endorsements were lacking in certain ways. How about you? Do you understand your homeowners insurance endorsements? Our regular readers, know that over the past few years we…

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Items to Consider When Home Improvements Include a Contractor

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Home Improvement Projects

Home Improvements in the News… For sure, it’s true for the past couple of weeks snow is still falling in parts of the United States and newscasts report hail storms, flooding and tornadoes in other regions; however, this spring many homeowners are considering minor or major home improvement projects. With this in mind, we read with interest an article on Realtor.com that discussed just how many homeowners are contemplating improvements…

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Do You Need High-Value Home Insurance?

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A large brick home

If you’re like most people, your home represents a safe haven for you and your family. A place where you can relax after work and spend leisurely evenings around the dinner table. And, your home is likely one of the most important financial investments that you’ll make during your lifetime. Given that, it’s important to carefully evaluate the homeowner insurance options that are available to protect your estate. One thing…

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