Saturday, July 30, 2022Parts 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. Amazingly, after hundreds of car rescues from trapped/stranded motorists many homeowners found basements filling up with water. READ MORE >>
Friday, February 18, 2022When 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. This could mean a recent death or the owner simply moving out. READ MORE >>
Tuesday, July 27, 2021Is 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 $10,000 Wedding Ring or Baseball Card collection is worth protecting. READ MORE >>
Monday, December 14, 2020All 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 further a company like SAFECO has 4 different homeowner programs in Missouri. READ MORE >>
Tuesday, June 30, 2020Homeowner 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, 2019Winter 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. A few weeks later I went to light that fire when I noticed some leaves on top of the cut wood. READ MORE >>
Monday, June 26, 2017Recently 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, 2015Earthquake 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 the coverage added by special endorsement/rider, similar to adding sewer back up, itemized jewelry or Identity theft. READ MORE >>
Wednesday, November 11, 2015Many insurance companies have changed the wording on homeowner policies from Guarantee Replacement Cost to Extended Dwelling Coverage with a percentage such as 25%. In other words, if a home is insured for $200,000 they will not offer Guarantee Replacement Cost; however, they will go 25% over($50,000) over $200,000 in the event the rebuilding calculations are off. READ MORE >>
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