When it comes to maintaining a comfortable and healthy home environment, your HVAC system plays a crucial role. However, one often-overlooked aspect of HVAC maintenance is changing filters regularly. These seemingly small components can significantly impact your system’s efficiency, your indoor air quality, and even your wallet. This can be part of you’re home winter…
Lowering insurance premiums can be achieved with a combination of strategic planning, understanding your coverage needs, and making informed decisions about your policy and lifestyle. Insurance companies determine premiums based on various factors, including your risk profile, coverage type, and claims history. By taking proactive steps, you can reduce your costs without compromising on necessary…
Why home cyber protection? Because we’ve all experienced it. An email arrives from a company you seem to know and trust but has an attached file from an unknown email address. Your gut tells you something may be wrong— and it’s right. Phishing emails like this are just one of many ways cybercriminals attempt to…
If you’re a homeowner, the right insurance is a key part of protecting your most valuable asset. It is also vital to protecting your lifestyle and security, as it literally covers the roof over your head. But the homeowners insurance market is more challenging than ever. Insurance companies are choosing to pull out of some…
Your home is not just a place; it’s a sanctuary where you create memories and build a life. However, unexpected events such as water damage can turn your haven into a nightmare, causing financial and emotional distress. While homeowners insurance covers a wide range of perils, it may not provide sufficient protection against water backup…
When you think of homeowners insurance, you might envision coverage for your home’s structure and personal belongings. However, many homeowners are unaware that there’s another crucial aspect of protection often overlooked – service line coverage. Your home’s service lines are the unsung heroes responsible for essential utilities like water, sewage, and electricity. In this blog,…
Homeowners nationwide face increased home insurance bills regardless of their company. If your home insurance renewal is higher than the last year, you’re not alone. What is causing this cost increase? Rebuilding is more expensive now than when you purchased your policy due to the rise in construction costs. This is not because you changed…
What is Your Home Worth? According to the National Home Builders Association, “lumber prices have skyrocketed more than 300% since last spring, causing the average price of a new single-family home to increase by nearly $36,000. Similarly, the average price of a new multifamily home has increased by nearly $13,000 over the same period.” Reduced…
Insuring Your Home For The Right Amount Depending on the age and condition of your home, calculating the insurance value or reconstruction cost, can be a complicated process. This provides you with information to better understand the valuation process. What is reconstruction cost? Reconstruction cost, or replacement cost, is the cost to hire a contractor…