ARTICLES FROM 2025

Your home is filled with essential systems and appliances—HVAC, water heaters, refrigerators, security systems, and more. But what happens when they suddenly fail due to mechanical or electrical breakdown? — Most people assume their homeowners insurance or manufacturer’s warranty will cover it, but…

Most people focus on protecting their belongings when they buy home, renters, or condo insurance. But what about protecting your finances if you’re sued? — Liability coverage is one of the most important parts of your policy, yet it’s often overlooked. If someone is injured on your property or you…

When was the last time you thought about the value of everything you own? If a fire, theft, or water damage destroyed your personal belongings, would your renters or condo insurance cover the full cost to replace them? — Too often, renters and condo owners underestimate how much coverage they need.…

In today’s connected world, cyber threats aren’t just a business problem—they’re a household problem. From smart home devices and online banking to email and social media, your personal data is more vulnerable than ever. A home cyber insurance endorsement can protect you from financial losses due…

If a fire, storm, or burglary damages your belongings, would your insurance cover the full cost to replace them? Many policyholders are surprised to learn that without Personal Property Replacement Cost Coverage, their payout is based on depreciated value—meaning they could receive far less than…

Imagine this: You’re involved in an accident, and your car needs repairs. How will you get to work, pick up your kids, or run daily errands while your vehicle is in the shop? If you don’t have rental car coverage on your auto insurance policy, you might find yourself scrambling for a solution—and…

In today’s digital world, identity theft is a growing concern. Criminals can steal personal information to access bank accounts, open fraudulent credit cards, or even take out loans in your name. Unfortunately, recovering from identity theft can be a long and costly process. That’s where Identity…

Flooding isn’t just a coastal problem. Inland floods caused by heavy rain, snowmelt, or overflowing streams are on the rise, even in low-to-moderate risk areas. Unfortunately, standard homeowners, renters, and condo policies don’t cover flood damage, leaving many people vulnerable to costly repairs…

If you own a condo or live in a community with a homeowners association (HOA), you probably know that the association carries its own insurance policy. But did you know that if the HOA suffers a major loss, you could be responsible for part of the cost? — That’s where Loss Assessment Coverage comes…

Many American families have an accumulation of stuff in their homes: gasoline cans, spare oil, half-containers of antifreeze, fertilizer, yard pesticides and other materials all compressed together into one poorly ventilated space. This creates the perfect conditions for vapors, chemical reactions…