Tag Archives: Personal Insurance

Don’t Let These Common Homeowners Insurance Claims Ruin Your Holidays

Don’t Let These Common Homeowners Insurance Claims Ruin Your HolidaysThe holidays are a festive, fun time, but the holidays can also bring about a heightened risk for homeowners. Flickering candles are fire hazards. Wet walkways can present a slip and fall. Pyramids of presents can be burglary bait. But homeowners insurance can help you recover financially and ensure that a little mishap doesn’t spoil your entire holiday season.

House Fires

Dehydrated Christmas trees, candles and overworked outlets, make fire hazards a huge threat this time of year. Within homeowners insurance, dwelling coverage pays for home repairs and personal property insurance covers belongings.

Speak to your agent about pinpointing your

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What Happens if a Guest is Injured in Your Home?

What Happens if a Guest is Injured in Your HomeHere’s the bad news: you can be held liable if an individual is injured on your property. However, before you panic and refuse to ever let anyone on your premises ever again, take advantage of homeowners insurance to help you get the coverage you need to restore your peace of mind. Here’s what happens if someone gets injured on your property.

Immediately After an Injury Occurs

After an injury occurs, you can certainly express concern, but do not admit guilt. First, determine the severity of the injury. If there is a lot of blood or broken bones, a trip

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When Should You Have a Personal Articles Floater?

When Should You Have a Personal Articles Floater?Everyone has valuable possessions in their home, and they want to protect them. For rare situations, like a valuable being damaged by a houseguest, where high-value items in a home fall outside the scope of even the broadest home insurance policy, a personal articles floater may be a viable option. But what is this enhancement, and where is the line between high-value homeowners insurance and needing a personal articles floater?

What is a Personal Articles Floater?

A personal articles floater is a type of stand-alone coverage typically added to the current home insurance premium. It allows for extremely high-value items,

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