Tuesday, April 21, 2026

Homeowner Roofs

Many homeowner companies will only accept new business if a roof is less than 15 years old.  Once a company issues a policy they will continue to renew to the home even if roof becomes older than 15 years. READ MORE >>

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 >>

Monday, February 24, 2020

Homeowner Insurance Checkup

All homeowner companies have LIMITATIONS, there is no such thing as FULL COVERAGE.   Pay special attention to theft limitations to valuables like Jewelry($500), Silverware($500), Cash($2... READ MORE >>

Friday, December 13, 2019

Service Line Coverage added to homeowner policy

A new coverage in 2019 is available from many home insurance companies called Service Line coverage.  This coverage is designed to cover sewer lines/water lines/power lines from the house to t... 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 >>

Wednesday, October 31, 2018

Motorized vehicles typically are not covered by homeowners

Many people own some kind of motorized vehicle, such as ATV, golf cart or scooter and assume their homeowner policy will cover it, well they will be in for a shocking surprise in event of a serious injury. READ MORE >>