Homeowners
Insuring a Barndominium
Barndominium structures or “Barndos” are a type of building that integrates living areas with spacious open spaces commonly utilized as workshops or garages and sometimes even as stables. From their initial roots as barn conversions into residential spaces to the present trend of constructing barndominium homes from scratch, they have gained traction mainly due to…
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Artificial Intelligence is becoming increasingly tricky – How to protect your family and business.
The internet has become a part of our daily lives serving various purposes such as banking, shopping, staying connected with loved ones and safeguarding personal information. As artificial intelligence advances, distinguishing between legitimate requests and fraudulent activities from cybercriminals is increasingly challenging. Incidents like data breaches, identity theft and online scams have unfortunately become all…
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Rising Home Repair Costs and How It Affects Your Insurance
Owning your own home can be a life-long dream for many people, but with ownership comes the responsibility to take care of it. A big problem many homeowners are dealing with right now is that fixing things in their homes is getting more expensive. And when repair costs increase, home insurance costs also increase in…
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Understanding Ordinance or Law Coverage
Ordinance or law coverage is a crucial aspect of insurance that individuals should consider to safeguard themselves from unexpected expenses related to building codes, regulations, and ordinances. In this article, we will explore the importance of ordinance or law coverage and its significance in protecting individuals. Understanding Ordinance or Law Coverage Ordinance or law coverage,…
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Personal Cyber Coverage Explained
Personal Cyber Coverage is a newer coverage offered on Homeowners policies. As we become more dependent on technology this is an important coverage to consider having. Common cyber incidents include bank fraud, identity theft, data loss, extortion, and cyberbullying. Please download and read the information below for a detailed explanation of personal cyber coverage. Reach…
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Fire Safety During the Holidays
The time for the annual winter holidays is on our doorstep. With that comes a lot of good cheer, celebrations, and spending quality time with your loved ones. Unfortunately, according to the National Fire Protection Association, this time of the year also increases the risk of residential fires, injuries, and even deaths. Let’s take a…
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My Neighbor’s Tree Fell on My Garden Shed – Whose Insurance Pays?
Imagine you’ve been involved in a car accident. Insurance information gets exchanged and claims get filed, but how do insurance companies determine who pays for what? The simple answer is that it just depends on the circumstances. Liability Claims If you are involved in an accident, the other party may file a claim with your…
Read MoreAre Service Lines Covered Under My Home Insurance?
Did you know that damage to your house’s service lines is not typically covered by homeowners insurance? This includes: Water lines Sewer Electric Natural Gas Cable TV Internet Fiber Optics And Others While these items are buried, and you might not think they are susceptible to damage, you would be wrong. Damage to underground service…
Read MoreDisasters that Insurance Policies do not Cover
Every year, many home and business owners discover there are certain disasters their policies do not cover. It is important to consider these issues before they happen and cause damage that will have to be paid for out of pocket. Earthquakes, floods, and acts of terrorism are three types of disasters that a policy will…
Read More94 Earthquakes Reported in Kansas in 2014
Excluded Coverages should be Addressed before a Catastrophic Event Occurs We might think of Missouri before Kansas when considering the risk of an earthquake. However, Kansas has recorded 94 earthquakes to date in 2014 (Insurance Journal). This is significant to property owners because basic (ie. unendorsed) property policies exclude earthquake coverage. Because insurance policies often…
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