ARTICLES ABOUT HOME-INSURANCE

Unlike flooding caused by a storm, sewage backup is caused by the obstruction or malfunction of pipes in your home. A standard homeowners policy normally doesn’t have sewage backup insurance unless you’ve asked to add it by endorsement. It’s not as expensive as flood insurance and it’s valuable if…

Water damage can be devastating, costly and destructive to your home. The causes of water damage range from weather-related flooding to overflowing toilets. The statistics related to water damage are daunting. According to the Insurance Information Institute, over 20% of homeowners insurance losses…

The idea of having “a roof over your head” is comforting precisely because roofs are so important. And you may feel reassured that your homeowners insurance policy will cover you in the event your roof is damaged due to hail, a downed tree or another catastrophe. — But it’s important to understand…

Flood insurance is a type of home or business insurance that covers flooding, which is not covered by standard home or commercial insurance. It can be written to cover buildings and contents and it's designed for owners or renters. — You don’t have to own waterfront property to be at risk for flood…

The forecast calls for a chance of thunderstorms. That may not require you to cancel your outdoor plans, but take the threat of lightning seriously. Your odds of being struck by lightning are better than you think. In fact, you have a much better chance of being struck by lightning than you do of…

A fire extinguisher is a very effective tool for putting out a fire that is just getting started. Knowing how to properly use an extinguisher reduces the risk of a larger fire developing and destroying your workplace or home. And if you’re caught on the fire side of an escape route, an extinguisher…

Many people rent homes at some point in their lives, from college students in their first off-campus apartments to retired couples who are downsizing. If you’re a new renter, you might not be clear on what renters insurance is and whether you need it. — Find out what a renters policy covers and how…

The real estate industry is a rising target for wire transfer fraud. In 2022, there were nearly 2,300 real estate scams, according to the wire fraud recovery and prevention software company CertifID. That represents a whopping $446 million loss, which includes victims on all sides of the process: —…

Why is my friends home insurance so much less expensive than mine? We live in similar neighborhoods and our homes are about the same size! — We get this question all the time and thought it would be beneficial to review a few of the many rating factors that affect home insurance premiums. — Amount…

Don't let sewer backups catch you off guard! Rathbun Insurance is here to shed light on the importance of sewer backup coverage. — Did you know that sewer backups can lead to catastrophic and expensive damage to your home? It's not a pleasant thought, but being informed is the key to protection…