Saturday, July 30, 2022

Flooding & Homeowner Insurance from 7/26/2022 11" storm

Parts of the St Louis region received as much as 8" of rain in 6 hours and a total of 11" in 24-hour period beating a record from July 1915. READ MORE >>

Friday, February 18, 2022

Homeowner dies and home is no longer owner-occupied

When a homeowner dies or has moved out of the house and the home is no longer OWNER-OCCUPIED can an insurance company deny a homeowner claim?  Yes, an insurance company can deny a homeowner claim if a home is no longer OWNER-OCCUPIED. READ MORE >>

Tuesday, July 27, 2021

Valuable Items/Collections for Homeowner Insurance

Is it a good idea to Itemize/Group/Schedule valuable items such as card collections on your homeowner policy?  Yes, it is.  The reason is it's valuable and anything of value such as $10,0... READ MORE >>

Monday, December 14, 2020

Valuable Items on Homeowner Policy

All homeowner companies have limitations in the event of theft to valuable items.  Each company has their own limits; however, most companies are pretty close similar and take it one step furt... READ MORE >>

Tuesday, June 30, 2020

Are Homeowner and Dwelling Fire policies the same?

Homeowner policy forms are used for Owner-Occupied residences, not rental or vacant properties.  Homeowner forms can be used for owning a home, villa, condo or renting an apartment; however, there are different homeowner forms for each. READ MORE >>

Tuesday, January 15, 2019

Winter Tip on chimneys

Winter has come across the nation and that means fires in fireplace.  I have a couple fires a month in my fireplace.   I try and clean out the ashes a few days later and reset wood, sticks and paper for the next fire. READ MORE >>

Monday, June 26, 2017

Children at college

Recently was asked, my child will be off to college in fall do I need a Renters policy or will my homeowner provide the protection.  As long as child is a full time student, away at college, they would have 10% of the homeowner policy of parents policy. READ MORE >>

Friday, November 27, 2015

Earthquake Insurance Coverage

Earthquake coverage can only be a covered loss if added onto your homeowner policy.  All standard homeowner policies EXCLUDE earthquake coverage; however, many insurance companies will allow t... READ MORE >>

Wednesday, November 11, 2015

Is Guarantee Rebuilding cost offered on Homeowner Insurance?

Many insurance companies have changed the wording on homeowner policies from Guarantee Replacement Cost to Extended Dwelling Coverage with a percentage such as 25%. READ MORE >>