Tag: Am I Covered

What is Dwelling Coverage? (The One Part of Your Homeowners Policy You Can’t Afford to Ignore) Let’s be honest. Reading your homeowner’s insurance policy—especially the dwelling coverage section—ranks somewhere between watching paint dry and alphabetizing your spice rack on the excitement scale. But here’s the truth no insurance agent wants to admit: most people...

Fire Damage and Home Insurance: Uncovering How Coverage Works Fire damage doesn’t wait for you to understand your insurance policy. It strikes without warning, transforming everything you’ve built into ash and memory faster than you can say “comprehensive coverage.” Morbid? Perhaps. But facing this uncomfortable truth might be the most important five minutes you spend...

Personal Property Coverage: The Protection Most People Completely Overlook Personal property coverage deserves far more attention than it gets. While you’re busy comparing deductibles and dwelling limits, this critical protection sits quietly in your policy, potentially under-equipped for the job ahead. Here’s a reality check: You meticulously research every major purchase. You...

When Trees Attack: Does Home Insurance Cover Falling Trees? (The Surprising Truth) So there you are, sipping your morning coffee on the porch, admiring that 80-foot oak in your yard. Majestic. Beautiful. Completely unaware of its secret vendetta against your roof. The question isn’t if that leafy leviathan will fall – it’s when. And when it does, will your homeowners insurance...

The “Safe” Property Deductible Choice That’s Costing You Money When I bought my first home, I did what everyone does – picked the lowest property deductible available. “Only $500 out-of-pocket if something goes wrong? Yes, please!” It felt like the smart, cautious choice. It wasn’t. Years later, I realized I’d been voluntarily sending thousands of...

Perils & Hazards in Home Insurance: The Fine Print Nobody Reads Here’s a pop quiz: You’ve just been approved for your dream home mortgage, and the lender asks for proof of “hazard insurance.” Do you know what they’re actually asking for? If you’re scratching your head, you’re not alone. Perils & hazards in home insurance form the backbone of...

Home Insurance and Water Damage: What’s Covered, What’s Not, and Why Your Basement Might Become an Indoor Pool Water damage can turn your dream home into a nightmare—fast. It’s destructive, disruptive, and expensive. But when it comes to insurance coverage, the waters can get murky. Your policy isn’t as waterproof as you think. Imagine this: It’s 2 AM....

Understanding the Basics of a Flood Insurance Policy Your home insurance policy doesn’t cover water damage when it’s caused by a flood. In fact, it will likely have a specific exclusion for this type of damage. This means,  if you live in a designated flood zone, you’ll want to purchase a separate flood insurance policy. This can be done through the federal flood program or...

Personal Liability Insurance: Your Secret Weapon Against Life’s “Oops” Moments Personal liability insurance might be the most underappreciated superhero in your financial protection arsenal. It’s that quiet guardian that steps in when your dog decides the mailman looks delicious, or your teenager’s baseball shatters your neighbor’s priceless stained glass...