Homeowners Insurance

When reviewing a homeowners or renters insurance policy, one of the most important and most misunderstood decisions you’ll see is how your belongings and home are valued after a loss. Two terms come up again and again: Replacement Cost and Actual Cash Value (ACV). At first glance, they might sound similar. In reality, they can lead to very different payout amounts if you ever need to file a claim.

If your homeowners insurance is paid through your mortgage escrow account, receiving a bill in the mail can feel confusing and frustrating. You’re not alone. This is one of the most common questions we get, especially when a policy shows a pending cancellation notice. Let’s break down what’s going on.

Owning a mobile or manufactured home is a major investment, and protecting that investment with the right insurance is essential. Unlike traditional homeowners insurance, policies for mobile and manufactured homes come with unique rules, coverage options, and limitations that many buyers don’t realize until after it’s too late.

Winter brings unique risks for homeowners and drivers alike. While some winter damage is unavoidable, many of the most common insurance claims we see each year are preventable with a little preparation.

Natural disasters can cause significant damage to homes and property, and many homeowners are surprised to learn that not all disasters are covered the same way under a standard home insurance policy. Understanding how different natural events affect your coverage can help you avoid costly gaps.

We’re thrilled to announce that we are now partnered with Openly, bringing you a modern, premium homeowners insurance option backed by cutting-edge technology and comprehensive coverage. Openly is transforming the homeowners insurance experience by making it remarkably simple, transparent, and comprehensive.

Surplus lines insurance is a type of coverage provided by non-admitted insurers

When shopping for homeowners insurance, you may come across different policy types labeled HO-1 through HO-6. Let's review the difference.

When you purchase a homeowners insurance policy, you may come across the term "named perils." But what exactly does that mean?

Last week, our community experienced a rare but significant event: a 4.1 magnitude hurricane.