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Homeowners Insurance: What Affects the Premium?

  Have you ever wondered how your homeowners insurance premium is determined and what factors contribute to the cost?  If so, you're not alone.  Many of us secure a homeowners policy during the escrow process when buying our first home.  We take the first policy that we can get our hands on, and away we go.  It's only later, that we stop to

Fire Safety in the Summer Season

  As the weather heats up, our habits and activities change, which can increase our risk for different types of fires. Whether you're heading outdoors to soak up the sun, or staying indoors where it's nice and cool, our partners at Kemper Insurance have offered this guide as a reminder that

Is Your Home Properly Insured?

  Here are some tips to help you make the right choices about homeowners insurance. Just as there are different home styles, insurers offer a menu of different policies. For the majority of single-family homeowners, the most appropriate policy is the HO-3, sometimes called the Special Form.  It insures all major perils,

Jewelry Coverage – Blanket vs. Scheduling

  Many of us have at least one piece of jewelry with significant value.  And almost as many have felt the sure fire panic associated with a piece of jewelry gone missing.  Most of the time, we find it laying next to a sink or in the bottom of a suitcase, but what would happen if

Don’t Let Thieves Steal Your Holiday Spirit

    Some insight on theft from our trusted partners at Travelers Insurance: The 2014 holiday season is upon us.  Many people will spend time shopping in stores and online for the perfect gifts for their loved ones.  While it is easy to get caught up in the fun of it all, it's

Understanding the Cost to Rebuild Your Home

Your home is one of your most valuable assets.  Make sure you have enough dwelling coverage on your homeowners policy to rebuild to its original state if it's destroyed by fire or other covered cause of loss. While the current market value of your home may be lower than you'd

Why Do “Good Students” Get Discounts?

Younger drivers often face paying higher car insurance premiums than more experienced drivers because they are more prone to accidents and, as such, statistically present a higher risk to their insurance companies. Fortunately, if you are a young driver (or the parent of a young driver), you do have options to

Summer Is Almost Here!

  Is your boat or jet-ski insured??? There are five common mistakes boat owners make with their insurance coverage. Whether they believe they do not need insurance because they own their boat, or because the boat isn’t physically in the water during the off-season, there are widespread misconceptions about when boat and

Do You Have Adequate Coverage for Your Condominium?

Condominiums are a great homeowner option for many – no grass to cut and no snow to shovel. Owning a condo can take some work out of home ownership, but making sure you’re properly insured can be tricky. Insurance carriers offer a broad range of coverages that can