Home Insurance
Protect your biggest asset. Learn about dwelling, property, and liability coverage for your home.
Are Your Pets Covered? Understanding Pet Liability and Your Homeowners Insurance
A guide to understanding how your homeowners insurance liability coverage applies to incidents caused by your pets, and where a separate pet insurance policy might be needed.
Adams Kotel
Don't Overlook It: Why Renters Insurance is a Must-Have
Many renters think they're covered by their landlord's policy, but that's a costly mistake. Learn what renters insurance actually covers and why it's one of the best financial safety nets you can buy.
Adams Kotel
Does Homeowners Insurance Cover Water Damage? A Guide to a Complex Peril
Water is one of the most common causes of home damage, but coverage is tricky. Learn the critical difference between what is and isn't covered by a standard policy.
Adams Kotel
A Deep Dive into Homeowners Insurance Deductibles
It's a key lever for controlling your premium, but how does a deductible really work? This guide breaks down the types of deductibles and how to choose the right one for you.
Adams Kotel
10 Ways to Lower Your Homeowners Insurance Costs
Homeowners insurance is a necessary expense, but it doesn't have to break the bank. From simple tweaks to strategic upgrades, here are 10 actionable ways to reduce your premium.
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What Is Umbrella Insurance and Do You Need It?
Umbrella insurance provides an essential extra layer of liability protection beyond your standard home and auto policies. It's an affordable and vital safeguard for your assets.
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How to Create a Home Inventory (and Why It's Essential for Insurance)
After a disaster, could you list everything you own from memory? A home inventory is a simple tool that can make a huge difference in a claim, ensuring you get paid what you're owed.
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What Your Homeowners Insurance Doesn't Cover: Common Exclusions
A homeowners policy provides broad protection, but it's not all-encompassing. Knowing the common exclusions is key to avoiding disastrous coverage gaps.
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Replacement Cost vs. Actual Cash Value: A Crucial Home Insurance Choice
The difference between these two terms can mean a gap of tens of thousands of dollars when you file a claim. Understanding what your policy covers is essential for true financial recovery.
Adams Kotel
Do You Need Homeowners Insurance? The Answer is Almost Always Yes
For most people, a home is their largest asset. Homeowners insurance is the essential financial tool that protects this massive investment from disaster, liability, and the unexpected.
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