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 Insurance Insights

Do You Have an Updated Home Inventory?

9/5/2023

 
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If you experienced a significant home loss due to a weather disaster as many have in the last several months, how well could you document your property and contents to the insurance company in filing a claim?

The last thing you need is the added stress of trying to list out a detailed inventory after the fact.
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Before disaster strikes, take these 5 easy steps to create a detailed and comprehensive inventory of your home and possessions:

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Are You Among the Under-Insured Population?

8/24/2023

 
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Numbers of reports indicate that:

·         66% (2 out of 3) of homes in the US are under-insured
·         12/6% (1 in 8) motorists have NO insurance at all

Why does this happen?

In some cases, people can't afford that amount of insurance premium, opt for a lower amount, and take the risk of nothing happening to need it.

BUT in many cases, people don't regularly review their policies.  They fail to realize over time their policy coverage doesn't keep up with rising replacement costs and inflation.
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What are the consequences of being underinsured?  Here are 3 examples:

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Do You Have Enough Homeowners Insurance?

6/21/2023

 
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Your home is usually the most expensive investment you will ever make.

Unfortunately, reports show that 2 out of 3 homeowners are UNDERINSURED.

That means they don't have enough coverage to replace their home if it is destroyed.
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There are numbers of reasons for being underinsured including the choices you select for your policy coverage.

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Don't Make These Common Homeowners Insurance Mistakes!

3/30/2023

 
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​When, purchasing a homeowners insurance policy, it's important to avoid these 5 common mistakes in order to ensure you protect your investment: 

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    Author

    Dennis Lam

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