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homeowners

What You Need to Know When Insuring Your LLC-Named Home

By Articles of Incorporation, estate planning, estate tax, Financial, forming an LLC, Home, homeowners, Insurance, Liability, Limited Liability Company, LLC, LLC coverage, LLC endorsement, LLC-named home, Personal, Personal Umbrella, vacation home

Have you considered ways to protect your home beyond insurance? Are you concerned about planning for your estate? Placing your home in either a trust or a Limited Liability Company (LLC) are great options to avoid certain estate tax penalties. ……

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Not All Homeowner Insurance Policies Are Equal

By cash out settlement, coverage choices, coverages, deductible, dwelling coverage, Home, homeowners, homeowners insurance, homeowners policy, independent agent, Insurance, insurance quote, perils, Personal

As I’ve mentioned before in previous blogs, I find it sad that personal insurance has gotten commoditized to the point where many consumers buy based upon funny commercials and/or cheapest price. However, it’s a battle that agents face every day…

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Extra Time on Your Hands? Why Not Spring into Spring?

By air conditioner, air conditioner maintenance, gutters, Home, home inventory, home maintenance, home repair, homeowners, Household Inventory, Insurance, Personal, Prevention, roof, roof inspection, spring, spring cleaning, storms, trees, windows

Spring has always been one of my favorite seasons. All winter I look forward to planting flowers, the warmer weather, and my birthday! But spring also brings rain, storms, and other perils that could cause damage to your home. Most…

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Should I Clear the Snow from my Sidewalk?

By Claims, Home, homeowners, homeowners insurance, homeowners policy, Insurance, Liability, liability coverage, liability insurance, Personal, personal property, Prevention, property, property coverage, rental properties, renter's policy, renters insurance, risk, Risk Management, snow, snow and ice, snow removal, Weather

Winter is here and so is the age-old question: should I clear the snow from my sidewalk? To be completely honest, I had to do a little research on this, as I have been told “yes” as many times as…

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Pets and Homeowner Insurance Policies

By animals, dangerous dog breed, dog bite, dog breed, dog owners, Home, home insurance, homeowners, homeowners insurance, homeowners policy, Insurance, Liability, liability claims, liability coverage, liability insurance, Personal, Personal Insurance, personal liability coverage, pet, property coverage

My family recently added a new member in the form of a two-month-old kitten, and as part of the adoption process, we were provided with a month’s worth of free pet insurance from the shelter. While that was a nice…

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Governmental Issues and Homeowner Insurance Policies

By coverage, Evacuation plan, Financial, government, Home, homeowners, homeowners insurance, homeowners policy, hurricane, Insurance, Personal, Personal Insurance, property coverage, property damage, property policy, Weather

I am just finishing up a week-long vacation in Florida with my wife and several other couples, and as it happens every time I’m out during an extended period with others, the topic of insurance eventually came up. “What happens…

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