Spring cleaning is a great way to freshen up your home after a long winter and get ready for the warmer months ahead. But did you know that spring cleaning can also help prevent homeowners insurance claims?
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Here are 5 tips to help you keep your home safe and avoid insurance claims this spring:

In the age of online everything, you can get an insurance quote without a "middle-man."  So why do you need an insurance agent, especially when you can instantly access a chatbot to answer your questions?

Simply put, if you decide to go solo, you'll face a variety of headaches when (not if) you must invoke your policy in claim situations and pray you chose the right coverage to prevent a financial catastrophe.

A great insurance agent is priceless in partnering with you to provide personalized guidance for this critical type of financial protection.
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So what should you consider in deciding which insurance expert to place your trust in?
Here are 7 factors to finding a great match:

​If you rent your home out only once a year for a local event, can you rely on your standard homeowners insurance and umbrella policies to cover any possible incidents that require filing a claim? Or do you need to add a different policy for that one-time rental?

Do you need a home warranty in addition to homeowner's insurance?

When it comes to protecting your home and its contents, most people know that they need homeowner's insurance. But, do you also need a home warranty?

​The short answer is:

​When Might a Home be Uninsurable?  Here are 6 reasons why:

Questions have been raised as to whether you should buy a house built between 2020 - 2022 because of construction quality issues due to supply chain problems and worker shortages.

Some real estate industry spokesmen indicate that's an overblown concern because it's a highly regulated industry, with various inspections required during the projects.
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If you're considering purchasing a home built during this time period and are concerned about construction quality, research the following 4 items before committing:

​When choosing a homeowners insurance policy, you may hear the terms "actual cash value" or "replacement cost" coverage.  What's the difference?

A recent survey found that 65% of Americans have no clue what their home insurance policy fully covers.  45% said they’ve had an insurance claim denied because they didn’t have the coverage. 

This is why you need to periodically talk with your local insurance agent to remember what coverage you have and whether you need to make changes.
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Here are 9 questions to help guide your conversation:

​Home insurance is a critical and required piece of home purchases if you're securing a mortgage loan.  A number of insurance requirements and documents may be needed for a successful closing, including the following:

Not that it's foremost on your mind on Valentine's Day, but insurance IS an important aspect of a loving relationship.

 It helps protect you and your partner from financial loss, and your insurance needs will vary depending on the stage of your relationship.
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Here are some examples of insurance needs at 5 different relationship stages: