Tag: Home 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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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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Is Flood Insurance in Your Forecast?

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Flood Insurance in Your Forecast

Do you ever think about the word forecast? It is a word that is both a noun (a prophecy, estimate, or prediction of a future happening or condition) and verb (to calculate or predict [some future event or condition] usually as a result of study and analysis of available pertinent data). Many start and end each day reviewing forecasts – financial, business, school, traffic and almost always weather forecasts. For…

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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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After a Home Fire: 5 Things You Can’t Ignore

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Residential home with fire insurance

Unfortunately, home fires contribute to more than $7 billion in property damage annually. While there have been significant improvements in fire safety equipment and education, thousands of homeowners still face the daunting task of cleaning up and restoring their home after a residential fire each year. If you do experience fire damage to your home, it’s normal to feel overwhelmed, anxious and confused about what to do next. But, it…

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Exciting News for Choto

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House Fire

It has taken 6 years for Choto to get a fire station and thanks to neighbors like Ed Stout that time is finally here. We have been following this neighborhood movement for many months and we are excited to see this happen. The Farragut Press Enterprise announced the fire station will break ground this month next to the Weigels in the Choto area. The owner and developer John Huber speaks…

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