The choice between a Premium and Basic home insurance policy! The significant differences in coverage between a premium and a basic home insurance policy are typically a bit of an unknown, until there is a claim. Unfortunately, this is the worst time to find out! Basic homeowner’s policies create many unknowns within their contracts by [...] Read More

Most personal residences are insured with the traditional home insurance policy that comes with four property coverages, and also two liability protections. One of those property coverages extensions is for Other Structures (OS), sometimes referred to as Appurtenant Coverages. The design of OS coverage is to provide added coverage for those structures that are not [...] Read More

Replacement Cost is the term used to describe the recovery basis for property that is damaged or lost, above the property deductible. There are two types of replacement cost, guaranteed (full) and then limited. Do you know which one you have? In comparison, when a claim occurs, full replacement cost typically requires the insured to [...] Read More

2017 was an epic year for storms; the most active on record. Wildfires, hurricanes, and even a cyclone bomb winter storm in the Northeast. The property damage throughout the year was overwhelming. But these storms were also the critical test for the coverages found in home insurance policies!! Was the coverage on the structure guaranteed [...] Read More