save money on homeowners insurance

Save Money on Homeowners Insurance with these 5 Effective Tips

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Homeowners insurance can be costly even if it may be a required expense. This is why choosing what to prioritize when looking for a policy often leaves people perplexed.  This blog will offer you some practical advice on how to cut costs without sacrificing your coverage. 5 Effective Tips for Saving Money on Homeowners Insurance Go for a Read More

home insurance claim

How to File a Home Insurance Claim with Hoffman Brown Company

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As a homeowner, accidents, and hazards can happen at any time. But with the right home insurance, you can have peace of mind that you and your property are financially protected. Here's a step-by-step guide on how to file a homeowner insurance claim with Hoffman Brown Company: Determine if the damages are covered: Read through your policy to Read More

Homeowners Insurance Cover Foundation Repair

Can Your Homeowners Insurance Cover Foundation Repair?

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Most people take their home's foundation for granted. They don't even think about it until they notice water puddling on the floor in areas with no plumbing. When it gets to that point, you may have serious issues that need to be addressed as soon as possible. If you're tempted to file an insurance claim to cover any potential damage, you may want Read More

insurance for a tornado

How Does Insurance Work for Tornado?

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Tornadoes are common in the midwestern and southern United States, causing expensive damage. Usually, insurance in tornado-prone states costs more due to the higher risk to insurers of massive claims. Here are important facts to know about home insurance for a tornado. Will damage caused by a tornado be covered by renters or home Read More

Home Maintenance

How Can I Reduce My Home Maintenance Cost?

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Every homeowner must face home maintenance issues at some point. Appliances weren't designed to last forever, and materials used to build homes degrade over time. Here are essential tips to know for reducing home maintenance costs. 1. Learn your property layout One of the most important keys to efficient home maintenance is to know the layout Read More

the best mortgage plans

The Best Mortgage Plans for a Potential Homebuyer

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To identify the right home loan for you, you'll want to assess the terms associated with some of the best mortgage plans on the market. It's going to be a long-term financial commitment, so you should carefully assess your obligations vs. needs and budget. What is a Mortgage? A mortgage is a home loan and usually has these key attributes: Read More

5 Tips for Finding Affordable Property Insurance in a Fire-Prone Area

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Insurance companies typically determine the cost of coverage based on the risk level involved. That’s why it is not unusual for them to charge high premiums on property insurance for homeowners living in fire-prone areas. To give you an idea, the annual cost of fire insurance in California increased from $20,000 to $200,000 in the third quarter of Read More

Renters Insurance Coverage 101: What You Need to Know

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While landlord insurance coverage covers damage resulting from perils like hail, wind, or fire, it only covers the cost of fixing the rental unit and replacing any property that belongs to the landlord, such as the furniture in a furnished apartment. In other words, the policy typically excludes the tenant’s personal possessions as well as personal Read More

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How the Rising Construction Costs Will Affect Home Insurance Rates

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For the most part, the cost of construction directly corresponds to homeowners insurance rates. The pandemic wrought by COVID-19 has led to a massive rise in construction costs. With the soaring costs, homeowners may be forced to pay more for insurance coverage. Analysis of Constructions Costs The restrictions and supply chain disruptions that Read More

How Water Damage is the Top Cause of Loss

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Do you know what’s one of the most common types of homeowners insurance claims? It’s water damage. Perhaps that’s not surprising when you consider that pipe bursts and broken appliances happen to just about every homeowner at some point. What’s more, these events are costly – more so than people may realize. According to Chubb Personal Risk Read More