What to Do If You Need to File a Home Insurance Claim

Experiencing damage or loss to your home can be a stressful situation. However, understanding the necessary steps to take when filing a home insurance claim can help ease some of that stress and ensure a smoother claims process. Below is a general outline of what to do: Safety First: Prioritize the safety of yourself and your family. If immediate dangers, such as fires or flooding, are present, focus on ensuring everyone's well-being and evacuate if needed. Review Your Policy: Take a moment to go through [...]

Am I liable if a trick or treater falls on my property?

Whether you are liable if a trick-or-treater falls on your property and the insurance coverage that may apply can vary depending on several factors, including the circumstances of the fall and your homeowner's insurance policy. Here are some key points to consider: Premises Liability: Homeowners can be held liable for injuries that occur on their property if they are found to be negligent in maintaining a safe environment. This is known as premises liability. If a trick-or-treater falls on your property due to a hazard [...]

What Happens If My Neighbor’s Tree Falls in My Yard?

Trees can be tricky, but for the most part homeowners are responsible for what falls into their own yard. So if a storm causes your neighbor’s tree to fall in your yard, your homeowners insurance could help cover the cost of removing the tree and remedying the damage it caused on your property, after your deductible. The same is true in reverse: If a tree on your property falls in your neighbor’s yard, your neighbor should contact his or her insurance company to determine what type of [...]

Homeowners Insurance Facts

When you decide you want to buy your first home, homeowners insurance may not be the first thing you think about. However, most mortgage lenders require you to have homeowners insurance before they will approve your loan. There are a few things you should know about homeowners insurance. Certain losses are excluded from most homeowners insurance policies. Standard homeowners insurance policies don’t cover floods or earthquakes. If you want coverage for flood or earthquake damage, you will need separate policies for those. If you are [...]

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