Home Insurance 33155

Let’s face it, sometimes homeowners can seem a little on the irresponsible side; they are not always understanding of the consequences that come with signing a long-term contract or not having the best property coverage. This can make buying homeowner policies especially confusing when the hefty price tag is not quite justified by its coverage. So, this article for homeowners explores home insurance options, what effect changes such as deductibles and whether there is any correlation to crime rates have on your policy, as well as potential issues that arise from purchasing more than one type of policy.

What does home insurance cover?

Home insurance is a coverage that can provide protection for your home, belongings and family in the event of a loss. It usually includes property damage, personal injury and liability insurance.

Home Insurance FAQs

In this blog section, we will answer some of the most frequently asked home insurance questions. We hope that these FAQs will help you understand your homeowner’s insurance policy better and help you avoid any costly misunderstandings. Q: What is the meaning of “actual cash value” on my homeowners insurance policy? A: The actual cash value is the estimated market value of your home as of the date of your policy. This estimate is based on recent sales activity in your area, although values may change over time. If your home is destroyed by a covered event, the actual cash value will be less than what is shown on your policy. In this case, the insurer would pay the difference out of pocket. Q: Can my insurer refuse to cover a fire that I Ignite? A: Yes, an insurer could decline to provide insurance coverage for a fire that you ignite even if it meets all other criteria for coverage under your homeowners policy. This is because flaming fires are considered more risky than other types of fires, and are therefore not likely to be covered by traditional homeowners insurance policies. Obviously, you should never try to start a fire deliberately

Which Home Insurance Plan is Right for Me?

If you’re like most homeowners, you probably rely on your home insurance to protect your property and family in the event of a natural or man-made disaster. But which plan is right for you? To help you decide, we’ve put together a variety of home insurance plans so you can compare apples to apples. And if you’re still not sure which one is best for you, our home insurance experts are standing by to help So don’t wait any longer – get started today and find the right home insurance plan for you!

Elderly Property Policy vs Majority Owner Policy

There are two types of home insurance policies: elderly property policy and majority owner policy. An elderly property policy is designed for owners who are ages 65 years or older. The coverage is limited to the home and its contents. The policyholder is the only named insured on the policy and is responsible for payment of all losses. A majority owner policy is more comprehensive and includes coverage for both the home and its contents, as well as the shareowner(s) of the property. If one member of a homeowners association owns more than half of the voting shares, that owner is automatically covered by the majority owner policy.

Wolf and an Insurance Agent

If you’re ever in a situation where you have to file a claim with your home insurance company, odds are you’ll need the help of an insurance agent. But what is an insurance agent and how do they help? Insurance agents are professionals who help people buy and protect their homes, cars and businesses from the potential risks of events such as theft, fire or natural disasters. They can also help people understand their home insurance policies and negotiate lower rates. An insurance agent can be contacted directly by phone or online, but it’s always important to choose someone who is licensed and insured in your state.


If you are in the market for home insurance, make sure to compare rates from different companies. Some companies have better rates than others, so it’s important to shop around. You can also ask friends and family for recommendations. One way to save on your home insurance policy is to have a sheriff or security company monitor your property. This will cost extra, but it may be worth it if you feel safe living in your home.


Home insurance is a great way to protect your home and possessions from potential damages or losses. Different types of insurance can provide different levels of protection, so it’s important to choose the right policy for your unique needs. If you have any questions about choosing the right type of home insurance, don’t hesitate tocontact our team at one of our branches or by phone. We would be happy to help you find the right policy that fits your needs and budget.