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Home Insurance

Homeowners Rates

By Home Insurance

Until this past winter the Mid Atlantic region had been very fortunate to have experienced very stable weather for the last three or four years. Homeowners’ rates have been stable and in many cases have declined. That trend is changing ever so slightly. We have seen some small increases this year and expect that trend to accelerate in the next…

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When You Can’t Come Home: What Does "Loss of Use" Coverage Actually Cover?

By Home Insurance, homeowner’s insurance policy

Your homeowner’s insurance policy will pay to repair damage to your home caused by a fire, windstorm or other covered cause of loss. But when you and your family incur expenses for moving out while repairs are made, who picks up the tab? An often-overlooked but essential function of your homeowner’s policy is “additional living expenses” (also called “loss of…

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