Category Personal Lines

What is Bundling in Insurance? Bundling in insurance refers to combining multiple insurance policies, typically home and auto insurance, under one provider. This approach not only streamlines policy management but also often results in cost savings. For homeowners, understanding the…

Understanding ‘Peril’ in Insurance Policies Insurance policies are filled with specific terms that can often seem confusing. One such term is ‘peril.’ In the context of insurance, a peril refers to the specific risks or events that your policy covers.…

How Does Regular Home Maintenance Affect My Home Insurance Premiums? Regular home maintenance plays a crucial role in determining your insurance premiums. Insurers view well-maintained homes as lower risks, which can lead to reduced premium costs. Simple tasks like regular…

Navigating the world of homeowners insurance can be a complex journey, especially for those new to the topic. Understanding what homeowners insurance is, why it’s essential, and how to select the right policy for your home are crucial steps in…

What is an Umbrella Policy & Why Do I Need One Chances are slim that you will lose a lawsuit for an amount greater than what your existing insurance will pay.  But if you ever do find yourself in that…