HOME INSURANCE 101

They’re Betting You Won’t Change Your Homeowners Insurance (Here’s Why They’re Wrong) Want to know a secret that keeps your insurance agent sleeping soundly at night? You won’t change your homeowners insurance even when you hate it. You’ll complain about it, sure. There’s going to be eyes rolling and grumbling about rate increases. But actually […]

What Is an Insurance Declarations Page? (And Why You Should Read It) Most people file their insurance declarations page away without reading it. Not because they’re lazy – but because they don’t realize they’re overlooking the single most important document in their policy document package. Let’s be real – if you only read one page […]

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 […]

What Is Condo Insurance? A Guide For New and Seasoned Home Owners What is condo insurance? It’s the question that ambushes you right in the middle of your dream condo purchase, just when you thought you had everything figured out. There you are—mere days from closing on that sleek downtown condo with the skyline view […]

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: […]

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. […]

Cheapest Home Insurance: Are You Sure That’s What You Really Want? So, you just Googled “cheapest home insurance.” I get it. Your mortgage payment is already sky-high, property taxes keep climbing, and now your home insurance premium is up for renewal at a rate that made you do a double-take. Finding the cheapest option seems […]

The Brutally Honest Guide to Home Insurance for First-Time Home Buyers First-time home buyers face a minefield of paperwork, decisions, and jargon that would make even a seasoned lawyer’s head spin. And somewhere between the champagne toast for your accepted offer and the moment you get those shiny new keys, you’ll encounter one of the […]

Home Insurance Cost: What You’re Really Paying For (And Why It Matters) Home insurance cost is the financial elephant in the room that most homeowners acknowledge with a grimace and a sigh before reluctantly writing that check. But understanding what drives those numbers can save you more than just a headache—it might actually save you […]

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 window. In other words, it’s what […]