homeowner’s insurance policy Archives - Joseph W. McCartin Insurance, Inc.

Nov 20

8 Homeowners Insurance Coverages You Need

By Joseph W. McCartin Insurance Home Insurance, Home Owner, homeowner’s insurance policy

When it comes to homeowners insurance, not all policies are created equal. And that’s important to remember when it comes to protecting what could very well be your biggest asset. Check out the list below to see some major “must haves” in homeowners insurance. Home Insurance Coverages

May 19

5 Renovations that Can Impact Your Home Insurance

By Joseph W. McCartin Insurance home, Home Insurance, homeowner’s insurance policy, Homeowners

Planning a home renovation can involve fun activities, such as designing a new floor plan or picking fixtures and paint colors. Having a heart-to-heart with your home insurance carrier may not be part of your preparations, but it should be. (more…)

Sep 02

Hurricane Preparedness

By Joseph W. McCartin Insurance home, Home Insurance, home safety, homeowner’s insurance policy, Homeowners, Seasonal Tips

Hurricane season can often last six months. Make sure to review your homeowner's or renter's policies to ensure you have the right coverage before the storms touch down. (more…)

Aug 19

What to Know About Hail, Roof Damage and Common Scams

By Joseph W. McCartin Insurance home, Home Insurance, homeowner’s insurance policy, Homeowners, Seasonal Tips

A hailstorm just blew in through your neighborhood. Suddenly, there are people at your door telling you they can repair your home’s damage quickly and easily. What would you do? (more…)

Aug 05

Hurricanes

By Joseph W. McCartin Insurance home, Home Insurance, homeowner’s insurance policy, Homeowners, Seasonal Tips

Hurricanes We’ve all seen the dramatic effect hurricanes can have, both the initial wind and rain and the floods and devastation that follow. There are steps you can take to stay safe and reduce damage to your property in the event of a storm. Note that neither home nor business insurance covers flood damage from a hurricane, including floods from…

Jul 14

Checklist for Home Insurance

By Scott Latham Claim, Home Insurance, homeowner’s insurance policy, Homeowners

Hey, Homeowner! You Should Review Your Home Insurance Now (more…)

May 29

The 7 Most Unhelpful Things to Say to Someone Who’s House Hunting

By Joseph W. McCartin Insurance home, Home Insurance, homeowner’s insurance policy, Homeowners

Real talk: Buying your first house – or any house! – is one of the biggest financial decisions you’ll make in a lifetime. (That’s why it matters to do your research about homeowners insurance.) My husband and I have been house hunting for more than three years. And if your experience is anything like ours… it’s an emotional roller coaster. As…

Mar 25

The Do’s and Don’ts of Restoring an Older Home

By Joseph W. McCartin Insurance Home Insurance, homeowner’s insurance policy, Homeowners

Old homes have a certain charm that’s hard to match with a new build. This is especially true when they’re restored back to their former glory. But we’ve all watched enough DIY reality TV shows to know that remodeling an older home isn’t as easy as it sounds. Historic houses were built with different materials and technologies than we use…

Dec 05

What is Guaranteed Replacement Cost?

By Joseph W. McCartin Insurance Buying a home, home, Home Insurance, homeowner’s insurance policy, Homeowners

There are few things in life worse than losing your home to fire or a natural disaster. Except, that is, discovering in the aftermath that you don’t have enough homeowners insurance coverage to rebuild the house back to the way it was before trouble struck. If you get guaranteed replacement cost coverage, that is unlikely to happen. Why? Because guaranteed replacement cost…

Dec 14

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

By Joseph W. McCartin Insurance 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…

homeowner’s insurance policy