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“What’s in a name? That which we call an adjuster, by any other name would smell as sweet.” Is the Shakespearean equivalent to the difference between a public adjuster and an independent adjuster? Why? There are so many variations and all states have different rules and regulations to govern adjusters, so let’s begin to elucidateRead more

Autumn is exciting for several reasons, like cooler air, shopping for coats, scarves, and increased break-in threat. Wait, one of those things was not like the others. And yet, it is one-hundred percent accurate, and the downside, obviously. This is triggered by the days becoming shorter, because of the autumn equinox, which is happening onRead more

Homeowner’s insurance isn’t a required form of insurance in Florida, but most people want to insure the single most significant investment they will make in their lives. With homeowner’s insurance you’re getting coverage for several items: Property StructureCovers the damage that could happen to the physical property.Other structuresThis coverage protects against damage to other buildingsRead more

The mystery surrounding earthquake insurance is immense. The main issue with earthquake insurance is that it doesn’t come as standard coverage from your run-of-the-mill homeowner’s insurance policy. It seems like an odd thing not to be covered for, but there is the option to have it as an “add-on” to your policy. They also haveRead more

Homeowner’s insurance covers your home and belongings in the event of theft or property damage. If property is stolen from your car or home, a homeowner’s insurance claim is what you’ll need to file. But, how does that work? To begin: You’ll want to have as many details about what caused your “loss” as possible.Read more

When purchasing your home, you’re likely going to take on a mortgage. The average mortgage payment on a 30-year-fixed-rate loan is $1,159. Your mortgage has the niceness of predictability, but not all home maintenance expenses are created equally. The average American spends approximately $3,018. Your expenditure could be higher or lower, depending on the conditionRead more

So, you have a shed, a detached garage, and a carport, all a stone’s throw from your greenhouse, which sits on a walkway to your hidden lair. You’re just unsure if all of that is considered an “other structure” under your homeowner’s insurance policy. We’ve got some thoughts: A fence, detached garage, in-ground swimming pool,Read more

You can pack anything in a box when you move, but what about your homeowner’s insurance policy? You can’t transfer it to your new home, because the size is different and it’s a two-story home, not a condo. Working with your insurer can help you wrap up coverage when you transfer title and begin yourRead more

Ever had a shingle fall while a tornado is lifting up your home? No? Bet you assumed both of those occurrences were covered by your homeowner’s insurance. We bet you didn’t know only one of those is covered. It’s not the tornado, in case you were wondering. Your roof’s shingle, though, is fully covered. Honestly,Read more

Your items and home need protection, whether you’re buying a home or renting it is entirely inconsequential. If you’re in a rental property, your landlord insures the property, while you’d be responsible for insuring the contents of your “home”. Renter’s Insurance You don’t own the property, you’re renting it. Your landlord covers the property withRead more