Insurance News Center

From the rooftop to kitchen range, we’ve gathered some homeowners insurance basics and how it helps you to protect one of life’s biggest investments—your home.

The Big Picture

It’s prudent to get enough insurance to do the following:

  • Completely rebuild your house in the event it is destroyed by fire or other insured disaster
  • Replace everything in the house
  • Protect your liability in case someone is injured on your property and sues you

Did You Know?

According to the Los Angeles Times, it may cost as much as 30 percent more to rebuild parts of a home than to completely build a new one from scratch. Demolition and removal of damaged property are pricey, limiting what a homeowner can do when rebuilding only parts of a home.

Property Insurance Considerations

Limits on your homeowners insurance are established to protect your family in the event that something goes wrong. In an effort to remain...


Remodels and other home improvements are an important part of being a property owner. When done correctly, these projects can add value to a home and make it more attractive to future buyers.

Unfortunately, hiring a contractor to complete home improvement projects is not always simple. The average homeowner is often unaware of the average cost of materials and labor. What’s more, construction projects can be stressful, and it’s common for individuals to rush when choosing a...


The weather can change quickly during the summer months, sometimes catching outdoor workers off guard posing a serious threat to their safety. When working outdoors, make sure you have access to severe weather alerts, and know what—and what not—to do if severe weather strikes.

If a severe thunderstorm warning cautions against straight-line winds, seek shelter immediately, preferably in a building and away from windows.

Do not use electrical appliances.

Be aware that...


Protecting Your Personal Property

You may be considering renting out your home for extra income while you’re away for an extended period of time. Though this seems like an ideal solution for families with extra room to spare, it can pose liabilities. Take the following considerations to heart in order to protect your home.

  • Ask for references from potential renters, especially those that will stay for a while.
  • Draw up a rental agreement that defines the terms of...

The Importance of Being Prepared

Disasters like hurricanes, tornadoes, floods and earthquakes can strike with little or no warning. To assure that you and your family are prepared, there’s no time like the present to create emergency kits: one for use if you need to evacuate your home and one for use if you get trapped in your home for several days.

Emergency Preparation

To help you evacuate quickly, keep the following items in an emergency backpack...


When it comes to money matters, no one likes to be surprised by the feeling that they’ve been shortchanged. That’s why it’s important that you understand how your insurance policy responds to potential personal property losses.

When insuring your personal possessions on your homeowners or renters insurance policy, you have one of two coverage options: insuring for your property’s actual cash value or the cost to replace it. Find out the difference and why we recommend replacement cost...

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