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Understanding Insurance Risks, Perils, and Hazards

When it comes to reading a homeowners' insurance policy, it's completely understandable that you may feel intimidated by searching through the various sections, particularly when the industry seems to have a vocabulary of its own. And yet it's crucial that you read and fully understand what you're signing up for to be convinced you have the coverage you require. The secret to this is simply learning the language that makes up your policy. Three terms, in particular, ...

Flood Safety Tips for Homeowners

When you think about flood risk, you're likely imagining southern states like Florida and Louisiana, where defending against rushing water is an innate habit. However, few homeowners realize that floods are the most widespread of any weather-related disaster. One study discovered that an estimated 41 million Americans live in places where they might be exposed to flooding, with the chance potentially rising due to climate change. In addition, according to the National Flood Insurance Prog...

Things You Need to Know About Your Credit Score and Insurance

Your credit score is an integral part of your economic picture. It's used during all types of big life moments — like obtaining approval to rent an apartment, taking out a loan (and specifying your interest rate), applying for credit cards, and much more. But did you know that in most US states, your credit score could significantly impact your home and auto insurance rates? So, we're breaking down the sometimes-confusing matter of how your credit score plays a part in your insu...

How to Boost Your Credit Score

Your credit score significantly affects the cost of your insurance (for most US states). So our expert on property claims in Central Florida offers a look at a few ways to improve your credit score over time. Enhancing your credit score will help you guarantee a home or auto insurance policy and get admission to the best rates. Know your credit score. Make sure you know your credit score and what factors are impacting that score so you can ...

Tornadoes: What You Need to Know

Tornadoes are widely regarded as one of the most potent and violent weather events, leaving harm and destruction in their wake. According to the National Oceanic and Atmospheric Agency (NOAA), around 1,200 tornadoes hit the United States every year. According to our expert on property claims in Central Florida, here's what homeowners need to know about tornado safety before, during, and after severe weather events. Understand the local risk factors. While tornadoes c...

Standard Homeowners' Insurance Discounts

Whether you are currently in the market for homeowners' insurance or you already have protection in effect, you understand that it's a necessity. Not only does homeowners' insurance offer you the peace of mind of knowing that you're protected in an emergency, but many mortgage lenders will even mandate insurance as a preliminary condition to lending. Still, in a best-case scenario, you will never need to file a claim or use your homeowners' insurance. With this i...

Understanding Earthquake Insurance

According to the United States Geological Survey (USGS), an estimated 20,000 earthquakes happen globally every year, and sixteen are considered major in scale. While not all earthquakes occur in the United States, the reality is that many do: 42 states are known to encounter the periodic earthquake, with three states (California, Washington, and Missouri) being at the highest risk. And yet, many homeowners are ignorant that most homeowners' insurance policies do not sh...

Understanding Umbrella Insurance

If you're in the market for homeowners' or auto insurance, one term that you may have seen or heard when shopping around is "umbrella insurance." But what is umbrella insurance? What does it protect? How is it different from a standard homeowners insurance policy? And — maybe most importantly — how can you decide whether or not you should buy umbrella insurance? Below, our public claims adjuster in central Florida offers a closer look at umbre...

Wildfire Safety Tips To Protect Your Property

It's no secret that wildfires are growing more prevalent; the climate is warming up, and every year, wildfires are raging across the nation. While you might feel helpless observing the images on the nightly news, you're also likely wondering what you can do to help shield your own residence. Fortunately, according to our public claims adjuster in Central Florida, a homeowner can take some decisive steps to feel as ready as possible against the danger of wildfire. ...

Understanding Hazard Insurance

Your house is probably your most valuable asset, but unless you own it outright, your mortgage company also has an economic stake in the investment. This is precisely why they mandate borrowers to carry a homeowners insurance policy that protects the house from all types of covered events. Hazard insurance is the specific part of your policy that protects your home's physical form. The Insurance Information Institute conveys that of all the homeowners' insurance claims filed...