Tag: homeowner insurance

Homeowners Insurance Vacancy Clause – Who knew?

No Comments »
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…

Read More

Homeowners Coverage Changes

No Comments »

With things starting to settle down from all the storms last year, insurance rates and coverage are changing accordingly. What does this mean for everyone? First thing: you should know the difference between Actual Cash Value and Replacement Cost because most companies are changing how they cover roofs. Let’s take a T.V., that’s simple enough. Say you have a $1,000 High Definition flat screen T.V. that got stolen. If your policy has…

Read More

Hurricane Season

No Comments »

photo credit: NASA Earth Observatory We insure a good amount of coastal properties and today is the first official day of hurricane season; it ends November 30. Make sure your property policy, whether it is a homeowners, rental, or commercial building has wind and hail coverage. Below is more info on the 2012 Hurricane Season Hurricane Awareness – http://www.nws.noaa.gov/os/hurricane/index.shtml Prepare here – http://www.nhc.noaa.gov/prepare/