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With the excitement of moving into a new dorm or apartment, many may not be thinking about whether their belongings are covered. If you are a college student living in on-campus housing such as a dorm, your belongings may be covered under your parents’ homeowners or renter’s insurance policy.

As a homeowner, it is important you understand how your claim may be settled, prior to a loss occurring. Doing so will save you time and provide peace of mind in the event you need to file a claim. When it comes to homeowners insurance, we understand certain terms can be confusing, especially should you need to file a claim.

Most policyholders do not keep receipts of all their personal belongings, as it can be very difficult to find time and space to maintain such documents. This is why as a homeowner or renter, creating a home inventory is one of the most important lists you can make.

Choosing a homeowners carrier can be a difficult decision. We can help you make that decision.

Insurance deductibles are thresholds for the amount of money a policyholder must meet in damages or pay at settlement, prior to their insurance coverage stepping in and paying you for covered losses.

Flooding is the most common and most costly natural disaster in the United States. Floods can occur for several reasons including storm surge from tropical storms and hurricanes, river overflow, or even heavy rainfall.