Understanding Replacement Cost vs. Functional Replacement Cost in Insurance
Understanding the difference between replacement cost and functional replacement cost is crucial for selecting the right insurance coverage
3 min read
Are My Belongings Covered When Moving to a New Home
Moving to a new home is an exciting venture, but amidst the chaos of packing boxes and coordinating logistics, it's crucial not to...
3 min read
Why Did My Home Insurance Premium Go Up!
Premiums always go up. It is common to see an annual increase in your home insurance premium. Many of the factors are out of your control.
3 min read
Does Homeowners Insurance Cover Liability Claims That Occur Away From Your Home?
Learn whether an off-premise liability claim may be covered under your homeowners insurance policy
4 min read
5 Reasons You Should Buy Your Insurance from an Independent Insurance Agent
Independent Agents do not work for any one insurance company. They work for themselves and most importantly, they work for their clients.
3 min read
The Prohibited Dog List - The Dog Your Insurance Company May Not Want You to Have
The breed of your dog matters to most home insurance carriers. There are certain breeds carriers deem vicious and prohibit .
3 min read
What are Optional Coverages on a Home Insurance Policy
There are many exclusions on a home insurance policy. Some exclusions can't be added and are never really covered. However, there are also
6 min read
HO3 or HO5 Home Insurance Policy - What's the BIG Difference?
The benefit of having an H05 policy is that you are covered in additional circumstances for damage to your personal property.
3 min read
Homeowners Insurance - Policy Coverage Summary
This summary highlights the notable coverages and exclusions associated with a typical homeowners insurance policy.
2 min read
New Jersey Earthquake Insurance Availability Notice
A typical Homeowners insurance policy does not provide coverage for damage from an earthquake.
2 min read
