Share | | RSS Google RSS

Emerling Agency, LLC Blog: homeowner's insurance

View the latest blog posts from Emerling Agency, LLC.

Local crime can be a big factor in the amount of home insurance you need to protect yourself. Most people only think about things like fire risks and storm threats. Yet, crime plays a role in the frequency of home insurance claims. Because it can occur frequently in some areas, that can raise your costs. READ MORE >>

Fallen trees and branches are a significant cause of damage and power loss after a thunderstorm rolls through. But if a neighbor’s tree falls on your property and causes damage, who is responsible? In most cases, it’s your homeowner policy that will cover the cost of the damages, subject to the policy’s coverage language. READ MORE >>

We all have things that we collect and buy that are totally worth the splurge—jewelry, artwork, musical instruments, bicycles, collector items, silverware, golf equipment, firearms, cameras, coin or stamp collections and more. Some of it might be quite valuable and require special insurance coverage. READ MORE >>

There are many common myths about potential dangers in and around the home that can keep some homeowners up at night. However, the gap between myth and fact can make all the difference when it comes to reducing risk in your house. So what does the data tell us are the biggest risks to your home? READ MORE >>

Could you live without your clothes dryer? For many people, the clothes dryer is indispensable, but an improperly installed appliance could easily catch on fire. According to the U.S. Fire Administration, fire departments respond to roughly 2,900 clothes dryer fires each year, with an estimated $35 million in property damage. READ MORE >>

Initially when you purchase a home and have a mortgage, the bank or lender requires you to carry homeowner's insurance as part of the mortgage agreement.  This is because the lender has financial interest in the home, and in the event of foreclosure if you failed to pay your mortgage payment... READ MORE >>

You made it! You turned your passion into a going concern. Maybe you turned your sewing hobby into an alterations business. Or perhaps you left corporate bookkeeping to strike out on your own. Congratulations on your successful, home-based business. Now are you willing to bet your house on it? READ MORE >>

There’s more to your homeowner policy than just coverage for the house you live in. It also provides coverage for other structures on your property. These may include all structures and buildings not sharing a foundation with your house. Most insurance policies provide 10 percent coverage for other structures. READ MORE >>

Do you have a child away at school?  It is important to inform us of where they are going.  Your insurance company needs to know where the vehicle is being garaged, and if there are other roommates that have regular access to the vehicle.  Give your account manager a call so we can ensure you will be covered. READ MORE >>

Insurance Myth: My Home Insurance covers all disasters likely to happen in my area- FALSE! Standard home insurance covers disasters such as fire, lightning, theft, vandalism and damage from smoke, water or wind.  It does NOT cover damage caused by a flood or earthquake. READ MORE >>

1 2 Last
Blog Archive
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015


View Mobile Version