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Homeowners

Beyond the Walls: What is Dwelling Coverage and How Much is Enough?

By Home Insurance, Homeowners, Personal Insurance
Dwelling coverage is the portion of your homeowner’s insurance that protects the physical structure of your home from common hazards. This includes not only the livable area of your house, but also attached structures like your deck, porch or garage. Since it covers anything that’s considered to be legitimately part of your home’s structure, it also covers things like built-in appliances. However, when it…
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How to Safely Heat Your Home

By Home Insurance, Homeowners, Personal Insurance, Seasonal Tips
It’s an unfortunate fact that space heaters, fireplaces and wood-burning stoves cause more structure fires than central heat and hot-water heaters combined. Whether you're using these options to stay warm or just to create some cozy ambiance in your home, it’s worth keeping these guidelines top of mind to help keep your family and house safe all winter long.  How to Safely Hear…
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Replacement Cost vs. Market Value: What’s the Difference?

By Home Insurance, Homeowners, Personal Insurance
If you were asked to describe the state of the housing market over the past few years, it could be summarized in one word: unpredictable. A recent study from Moody’s Analytics found home prices are currently “overvalued” by nearly 25 percent. With this massive fluctuation in real estate values, you may be wondering if your homeowners' insurance is still providing the…
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