ISO Protection Class Codes: What Are They? How Are You Affected?

  What Are They? The ISO (International Organization for Standardization) partners with municipal fire authorities, city managers and other community officials to evaluate local fire-protection resources.  Data is gathered and evaluated prior to a Public Protection Classification (PPC) being assigned. PPCs will range from Class 1 (best) to Class 10 (worst).  PPC's are more commonly known as Fire...

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...

Mold: A (Growing) Concern

  There's no question that mold is an issue for most homeowners.  You can find it in some form in most every home. If not treated or removed, it can lead to extensive damage and cause major health issues - especially for people with allergies or asthma. In recent years, mold has been...

Is Your Home Underinsured?

  Underinsurance is defined as the limit of insurance being insufficient to replace or fully repair damages caused by a covered peril, such as fire, wind, theft, etc. I recently read a blog from Enhanced Insurance that I found extremely interesting and helpful, considering we deal with this subject on a daily...

What does my Homeowners Policy Cover?

Have you ever wondered, “What does my homeowners insurance policy actually cover?” When you purchased your policy, were you shopping for the correct coverage or were you comparing prices? In recent years, many people have shifted their focus to being budget-minded, which is understandable in today’s economy. However, it’s important to...