Homeowners Insurance - Steward, IL
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Depreciation And Home Insurance: What You Need To Know
When it comes to major home insurance claims, carriers will use depreciation as a means to determine exactly how much money to pay out for each item. So, whether you want to replace your foundation, oven, or entire home, here’s more about what kind of formulas are used to arrive at the amount on the check....
An Overlooked Fire Hazard in Your Home
Lint is the fuzzy stuff that comes out of your pocket with your change when buying something at a store. It seems harmless enough except that in large quantities, it is extremely flammable. The reason is that it has a lot of surface area for a flame to take hold. It also contains lots of trapped air which helps to support combustion....
5 Tips to Save Money on Your Homeowners Insurance Policy
Not all homeowners insurance policies are created equal. Just by talking to your independent agent and securing a policy that is the best fit for your individual needs, you can save hundreds of dollars per year on insurance payments. Here are five tips to help you discover how to start saving now: ...
Will Homeowners Insurance Cover Foundation Damage?
Over time, you might have noticed cracks developing in your walls, floors or ceilings. The home’s foundation—the ground it sits on—will likely change over time. Such changes can cause shifts in the structure which might lead to problems. You might take very little notice of these problems....
When Does Home Insurance Cover Damage from Ice Dams?
An ice dam causes significant damage to a home. Many times, you do not know it is there. However, it can damage not only the roof but the walls of your home. Most of the time, home insurance can offer some help for you. It is important to know the limits of your coverage, though. Take a closer look. ...
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