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...

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Your home is a reflection of your style, comfort, and hard work. But what happens when a covered loss damages part of your space-leaving you with mismatched flooring, cabinets, or countertops? Most standard homeowners...

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Most homeowners don’t think about the underground pipes and wires running from their house to the street-until something goes wrong. Water, sewer, gas, electrical, and internet lines are all critical to your home, but ...

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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...

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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...

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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...

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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?...

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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....

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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...

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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...

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