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IRONPOINT INSURANCE SERVICES, LLC

HOME INSURANCE 101

Home Insurance Explained

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What is Dwelling Coverage? If you’re a homeowner, you’re going to need to buy homeowner’s insurance. That’s just good financial sense. However, the homeowner’s policy can be confusing if you don’t understand all the terms. To help you build your insurance vocabulary and understanding, let’s help you understand one of the most critical components of […]
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Is Fire Damage Covered by Home Insurance? As a homeowner, protecting your investment is crucial. After all, your home is likely the most expensive asset you own. That’s why homeowners insurance is so essential. It provides peace of mind against unforeseen events, like falling trees or water damage. But does home insurance cover fire damage? […]
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What is Personal Property Coverage? We all have personal belongings that we cherish – whether it’s your grandmother’s wedding ring, your new TV, or your favorite pair of shoes. But have you ever thought about what would happen if these items were stolen, damaged, or lost? That’s where personal property coverage comes in. Let’s dive […]
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Does Home Insurance Cover Falling Trees? This may seem obvious to some, but others have posed good questions asking, “Does home insurance cover falling trees? The simple answer is, yes. Homeowners insurance can cover damage caused to your home or the other structures on your property caused by falling trees or branches. In fact, home […]
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What is a Property Deductible? When you buy insurance the deductible is the portion of a loss that you will pay. So, when you purchase renters or home insurance, your property deductible is that portion of a claim that you pay to help repair your home or replace damaged or stolen property. For example, if […]
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How Much Does Renters Insurance Cost? If you need to buy renters insurance, then you’re looking for answers to the question, how much does renters insurance cost? Generally speaking, renters insurance is relatively inexpensive when compared to home insurance. In fact, you can even get a discount if you bundle renters insurance with your auto […]
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What is Renters Insurance and Do I Need It? You just rented a new home and your landlord is asking for a copy of your renter’s insurance policy. You tell them, “No problem.” Then it dawns on you, what is renters insurance anyway? Does it protect me or my landlord? If it protects me, then […]
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Learn How to Change Your Homeowner’s Insurance There are several reasons why you would want to change your homeowner’s insurance. Maybe you bought your policy as a first-time home buyer, and now it’s time to make a change. It’s possible you’re now frustrated with your insurance agent.  Did your insurance company let you down with […]
What is the Insurance Declarations Page? The insurance declarations page is an important part of your home or auto insurance policy. It’s also a part of understanding how your insurance works.  It has most of the vital information about your policy. It tells you who’s covered and the coverages you pay a premium for. When […]
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What are the Perils and Hazards in Home Insurance? We insurance nerds deal with perils and hazards daily. But to the average consumer, perils and hazards may be foreign or abstract terms. What are they referring to? Well, a “peril” is an event or circumstance that results in property damage. Your homeowner’s insurance, condo, or […]