Insurance Articles

If you’re a landlord—or thinking about becoming one—you may be wondering whether renters insurance offers protection for both you and your tenants. This is a common question, especially for property owners who want to reduce risk and encourage responsible tenancy. The short answer:Renters insurance protects your tenants—not you, the landlord. But there’s more to it. […]

If your home uses heating oil, you may wonder whether your homeowners insurance would protect you in the event of an oil leak or spill. Heating oil spills can cause extensive damage—soaking into floors, seeping into soil, contaminating groundwater, and leaving behind a strong odor that requires professional cleanup. Because of the severity of these

A sudden power outage can be more than an inconvenience—especially when you open your freezer and discover all of your food has spoiled. Many homeowners are surprised to learn that their insurance may help cover the cost of replacing that food, depending on the circumstances and the type of policy they have. Here’s what you

When heavy rainstorms roll through, a flooded basement can feel overwhelming—not only because of the mess, but also because of the uncertainty: Does my homeowners insurance cover this? Flooding is one of the most misunderstood areas of home insurance, and many homeowners don’t learn the details until they’re ankle-deep in water. Here’s a clear breakdown

When a tree falls and damages your property, it can create confusion and frustration—especially if the tree came from your neighbor’s yard. Many homeowners assume the neighbor’s insurance should pay because it was “their” tree.But in most cases, that’s not how insurance works. Here’s a simple breakdown of who pays, why, and what to do

If you own antiques, collectibles, artwork, or other unique valuables, you may have added them to your homeowners insurance policy as scheduled personal property. Scheduling items gives you higher protection, broader coverage, and a specific insured value agreed upon in advance. But what actually happens if one of your scheduled antiques is completely destroyed or

Most homeowners and auto insurance policies last 12 months, and many people assume their coverage is guaranteed for the entire policy period. But is that actually true? Can an insurance company cancel your coverage mid-term, before the policy ends? The short answer is: Yes—insurers can cancel a policy during the term, but only for specific,

A home burglary is stressful enough without the added worry of proving what was stolen. Many homeowners panic when filing an insurance claim because they don’t have sales receipts, appraisals, or original packaging for their belongings. The good news?Most insurance companies understand that people don’t keep receipts for everything they own. While receipts are helpful,

Winter weather can be hard on homes—especially in areas prone to freezing temperatures, snow accumulation, or heavy storms. One of the most common winter-related issues is ice damming, which occurs when snow melts on a warm roof, refreezes at the edges, and traps water behind it. That trapped water can then seep under shingles, drip

If you have valuable items—such as jewelry, fine art, collectibles, cameras, or musical instruments—there’s a good chance your homeowners or renters insurance includes scheduled personal property coverage. Scheduling an item simply means you listed it on your policy with a specific description and value, usually backed by an appraisal or receipt. But what actually happens