Most homeowners don’t spend much time thinking about their deductible—until they have a claim. Recently, I met with a homeowner who learned this lesson the hard way. She was insured with Indiana Farm Bureau and received a letter stating that…
When protecting your home, choosing the right dwelling coverage is crucial. Here, we’ll explore three main types of coverage: Guaranteed Replacement Cost, Extended Replacement Cost, and Replacement Cost. We’ll also highlight why Guaranteed Replacement Cost is the best option and…
In the realm of home insurance, there’s a common misconception that standard homeowners’ policies cover every possible peril that could befall your abode. Unfortunately, one crucial area often overlooked is water and sewer backup coverage. Many homeowners are unaware that…
Have you noticed a spike in your insurance premiums, leaving you puzzled? You’re not alone. Here are a few reasons why your insurance costs might have increased, even if you haven’t filed a claim: Industry Trends: Changes in the insurance…
