home insurance

Home Improvement: When It’s Okay to DIY and When to Call the Pros

When it comes to home improvement projects, the challenge of doing it yourself is what’s appealing to you. Sure, you could hire a professional to do it for you but tackling the project on your own will not only save you money but it will also give you a rewarding feeling of accomplishment to brag about. Imagine someone giving you a compliment on a particular home improvement project and being able to say “thank you, I did it myself!” It’s at that moment that you’ve given yourself the title of an expert after accomplishing one DIY project.

The advancements in technology have given people the idea that they can become professionals with certain home improvement projects just by watching videos on Youtube. They’ll look at these videos and feel like it’s simple enough and that they could do it themselves too! This is where homeowners misjudge their capabilities and end up in the emergency room for trying DIY projects beyond their skill-sets and capabilities.

Unfortunately, these instances happen all the time, and as a homeowner, you should talk to your local agent about the coverage options available to you to give you peace of mind.

Use Your Better Judgement

If you think about it, it’s already too easy to hurt yourself doing simple tasks around your house… imagine the damage you can do to yourself when you throw power tools and tall ladders into the equation! The whole thing has to do with good judgment.

Most people tackle home improvement projects in the springtime. This is when homeowners like to spring clean but also want to save money while doing it. Saving money is what prompts them to take on DIY projects and that’s perfectly fine, but when it comes to these home improvement projects, you have to use better judgment and know when it’s okay to DIY and when you should hire a professional. Take a look at some signs that let you know when to DIY and when to call the pros.

When to DIY

Your project is small enough that you can learn it and execute it in a timely manner

Before taking on any DIY project, you want to make sure you take the time out to do your research on it. Research for your project might include watching tutorial videos and even consulting with experts… For a small enough project, if you’re willing to do the research and learn the steps it would take to safely execute the project, then you should be fine.

You look at your home improvement project as something fun to do, not work

Perspective is a real thing. When you look at your home improvement project as something you have to do, it naturally forces you to somewhat rush to get it done. When you look at it as something you want to do and enjoy doing, you’ll take your time with it and do it right. If you enjoy painting, then you may really enjoy a home improvement project that involves some form of painting and you’ll really enjoy and be proud of the finished product.

When It’s Time to Call the Pros

If any type of mistake you make can cause damage to your home or to yourself

Although there are several considerations to think about when trying to determine when you should hire a professional, this is really the most important consideration. This consideration requires you to sit back and really think about what you can potentially be getting yourself into with your home improvement projects.

If there’s any type of project you’re thinking about taking on that will cause bodily injury to yourself or make your home unsafe, then it’s not worth putting your life or your home at risk. Home improvement projects that can cause bodily injury if you try to do it yourself include:

  • Cleaning the gutters
  • Roof repairs
  • Carpentry and electrical work
  • Certain landscaping work

Luckily, if you do happen to experience injuries from these types of home improvement projects, there are insurance policies that will cover you. Again, there’s no project or task worth injuring yourself for or potentially damaging your home for… Yes, you want to save money but sometimes you get what you pay for, and that can be a good thing or a bad thing… make your money be well-spent.

spring cleaning

Spring Has Sprung: 6 Springtime Maintenance Must-Dos That Will Save You Money

Spring is an exciting time of year where everything comes alive. As the temperature starts to rise plants, flowers, and grass will start to turn green and will begin growing. Plants aren’t the only things that wake up, so does the bugs and even the weather.

Springtime in the midwest can be a bit rough. One minute it is cold and the next it is hot. The phrase “April showers brings May flowers” also feels very real. The first warm sunny day, you’ll notice that everyone is outside playing, exercising, and working in the yard. Spring is the perfect time to inspect your home and take care of a little spring cleaning.

Let’s take a look at a few things that should be on top of your to-do list. Many of these will even help you save money.

Clean and Inspect Your Windows

Your windows take a beating all year from the elements so as soon as it warms up, its a great time to inspect and clean your windows. Cleaning your windows is great for obvious reasons. Clean windows are pretty windows. Inspecting your windows will help you save money because you will be looking for any leaks that will cause you to lose air. Re-caulk any window that has damaged caulking.

Invest in Pest Control

Bugs and insects are coming out of hibernation and spring is the perfect time to take pest control measures before they are a problem. Fighting a pest infestation is much harder and more expensive than preventing it.

If you have landscaped around your home with mulch, think again. Mulch near the foundation attracts termites. Average termite damage costs homeowner’s $3,000, but that can cost much more than that. Termite damage isn’t typically covered by homeowners insurance. Be sure to ask your insurance agent to learn more about your policy coverage. Pest control for termites is inexpensive and can save you thousands. If you have been using mulch, try replacing it with rock or rubber mulch.

Besides causing structural damage, many pests pose a health risk. Here is a list of common pests and the risks they present:

Mice- Hantavirus (can be deadly)

Mosquitos- Malaria, Dengue, West Nile Virus

Roaches- Salmonellosis from salmonella, Dysentery

Ticks- Lyme disease, tick bite fever, and even allergy to meat

Clean Your Gutters

Gutters play such a big role in the health of your home. Your foundation is one of the most important and expensive structures on your home. Gutters are meant to funnel water down and away from your foundation. Without properly functioning gutters, rainwater will funnel straight to your foundation and can become eroded over time. That can be an expensive repair.

Clean Your Vents

Dryer vents are often forgotten but can cause quite the problem if not properly cleaned. Every year around 16,000 fires are caused from dryer vents. If caught quickly, the damage can cost around $5,000, but if missed it can destroy the entire home and can even be deadly. Cleaning your dryer vents is something that should be done every spring and every fall.

This is a good time to clean your heating and air ducts as well. This typically takes a professional to do the job. All year your vents suck in everything from hair, clothing fabrics, dust, dirt. Over time those build up and can affect air quality especially allergens.

Get Your Roof Inspected

A roof is the most expensive part of your home. A roof can easily cost tens of thousands, which is why it is important to stay on top of the maintenance. Throughout the year, your roof will endure all of the elements. Hail damage is a common problem which can cause leaks. Most roofing companies will do free inspections. This inspection should be done every year. If caught early, you may only need a few shingles replaced, which is easy and inexpensive.

Spring is a great time to make a fresh start and enjoy the weather. This is the time to tackle your to-do list. Hopefully, this will help you stay on top of your home’s maintenance and will save you money.

car insurance

Driving in the Snow: 4 Reasons Why You Need Insurance

Winter is in full force. It has been dropping snow regularly and even ice in Marion, Illinois. Snow and ice can be picturesque, but deadly. If you are a stay at home parent or have a job that lets you have snow days, that’s great. For many of us, we have to work even when the weather is bad. Nurses, firefighters, police, and utility works have to battle the weather because lives depend on it.

A study of National Highway Traffic Safety Administration, says about 24 percent of car collision are weather-related and the government spends about $2.3 billion for snow and icy road control. Even with all of that money spent and the necessary precautions, it isn’t enough. You must prepare yourself, and have insurance to make sure that you are financially covered.

Here are a couple of reasons why you need insurance when the weather becomes treacherous.

The Cost of an Accident

No matter how carefully you drive, mother nature is in control. In 2018, a 90-car pileup occurred in Huxley, Iowa. That is 90 cars that needed to be towed and repaired. Let’s say that each car had a very conservative $4000 towing and repair bill. That accident alone would be $360,000!

Cars and Passengers Only

In 2015 a 150 car pile occurred due to snow. Using the conservative figures above that accident would have cost $600,000. The cost of those accidents was much higher because most vehicles had both front end and rear end damage.

That doesn’t take into account the injuries of the people involved. An average whiplash claim is $10,000 and can even reach $30,000. If even half of those 90 people filed a whiplash claim that could be $450,000.

Whiplash claims are much smaller claims because they are considered soft tissue injuries. Broken bones and any claim where a victim had to have surgery gets really expensive, really fast.

Anytime there is an injury the driver at fault is responsible for work missed and pain and suffering.

According to AllLaw.com, a motorcycle driver was awarded $1,175,000 when a car pulled out in front of him resulting in a broken collar bone and ribs. The motorcycle driver required surgery. That claim was for one person. Imagine that an injury like that occurred with four passengers. That is $4,700,000 for one accident.

If you have been injured in an accident then you will want compensation too, which is why websites like https://wakefordlaw.com/ exist to help you if an accident wasn’t your fault.

Other Property

Not every accident occurs on the interstate. Many accidents occur in residential neighborhoods. That means a whole new problem, property damage. What happens when your vehicle slides into a home. That becomes a nightmare.

We’ve established that car repairs are about $4,000. Let’s say that you have one passenger with you that files a whiplash claim. You are up to $14,000. Now, because you crashed into a home, that figure is going to skyrocket. You will have to pay to repair their home which can be $30,000 plus. Anything else that was damaged like furniture, will need to be replaced. Next, you will have to pay for them to stay in a hotel, temporarily while they look for somewhere else to live while repairs are being made. They may need somewhere to live for 3-6 months while their home is being repaired. While they are in a hotel you will be on the line for their meals. You could be looking at a bill of $100,000. Most people do not have an extra $100,000 to give.

Those drivers that have insurance only have to worry about healing and having their cars repaired. Those without insurance experienced financial devastation. Using the stats from above. If an uninsured motorist was responsible for two vehicle repairs and one whiplash settlement, that could be $18,000. That increases significantly if there were multiple passengers.

What Can Insurance Cover

Insurance coverage differs from company to company and the coverage of the policy. You need to speak with your insurance agent to see what your coverage is and if it is enough.

Typically insurance covers:

  • Damage to property
  • Personal Injuries
  • Towing
  • Medical Bills
  • Attorney and Legal Fees
  • Lost income
  • Pain and Suffering

Hopefully, if you didn’t understand the severity of even one auto-accident, you now know just how bad things can get and how quickly. Even if you are prepared with tire chains and four-wheel drive, sometimes it is just out of your control. The only thing you may be able to control is your financial risk.

Bottom line insurance is your best friend in the winter.

home insurance

Winter Weather: Why It’s So Important to Have Homeowner’s Insurance

Winter is such a great time of year. It can be picturesque when fresh snow has fallen. There are a lot of fun things to do like skiing, sledding, and ice skating. Another aspect people like is that you can splurge a bit during the holidays because winter fashion tends to be a bit bulky and can easily cover a few extra pounds.

But apart from all these, winter weather can easily be destructive and dangerous. According to statistics, around $1.2 billion worth of property damage was due to winter weather in 2017, which is significantly bigger that flooding and flash floods that accumulated property damage worth USD $100 million in the same year.

The amount of property damage caused by winter weather highlights the need for home insurance for the season. About one in 15 insured homes file a claim every winter. Here are a few reasons why it’s important to have not only have homeowner’s insurance but the right amount of coverage.

Frozen Pipes

Plumbing problems can quickly pile up and it can be expensive. It may sound and look like an easy fix, but in actuality, it can be a much bigger job. The damage that you have may require expertise and even special equipment. All of those things add up. Plumbers, tradesmen, contractors, you should protect yourself with something like handyman insurance from Tradesman Saver.

When the temperature drops below freezing temperatures, there is a potential for your pipes to burst due to freezing water. The repair amount can cost between $900 and up to $4,000 depending on the severity of your plumbing problem.

Imagine you are on vacation when a cold front moves in and freezes the pipes. A few days later, while you’re still gone, the temp rises and the pipes thaw. Now you have a bigger problem because the water is flowing. You can end up with thousands of dollars in damage. Insurance may be your only form of protection.

If this happens, coverage is key. Most policies will cover this type of damage. Be sure to talk to your agent before this happens.

Roof and Gutter Damage From Ice

Winter storms or even cold snaps can cause ice dams on your roof and gutters, hence, they are capable of causing damage once they reached substantial weight. It can take less weight than you think. Those beautiful, delicate icicles hanging on your roof and gutter can cause damage.

As snow and ice melts, it can cause water to leak through your roof and ruin your drywall and even your furniture. Imagine a damaged roof, with water leaking from your ceiling and pouring down your furnishing. It can be devastating. It can leave you in financial ruins if you aren’t insured. A homeowner’s insurance policy, even the standard one, can cover the necessary repair expenses for these types of property damage. You will need to work with your agent to make sure you are covered.

Roof Collapse From Ice and Snow

All the ice, snow and sleet on top of your roof can be quite heavy. There are different types of snow. One type is the lightweight snow that doesn’t pack. That is the kind of snow that doesn’t really make a snowball. The other type of snow, the kind that makes great snowballs, is the type that can cause damage. It is much heavier.

A roof in good condition can safely support a few feet of snow or about 20 pounds. Anything more than that can potentially cause the structure to fall apart and cave-in. A roof collapse is probably the most expensive damage because the cost to build a new roof is very expensive but you also will have to repair everything in the house that the roof landed on. Not to mention the water damage that can happen.

Apart from the accumulation of snow, fallen trees can easily damage your roof and other attached structures. The snow that has collected on tree branches near your house can snap and fall on your home. It can damage your deck, break your window or worst collapse your roof.

There are a few preventative measures you can take, like trimming your trees, but you can’t change the amount of snow that falls. Insurance is the best thing you can have. Insurance can cover damages, loss, repair, or replacement. It all depends on the coverage of your policy.

Personal Injury From Slips on Ice

In the winter season, not only is the air cold but the ground becomes slippery and it can be dangerous. One wrong step can lead you to the emergency room for a head injury or broken bones. And we all know that a visit to the hospital means money.

Also, don’t forget the danger brought by the icicles hanging on your gutter. Any form of vibration can easily make them fall and unfortunately hurt someone. Having homeowner’s insurance can mitigate these kind of expenses from people visiting your home. They usually fall in the liability coverage of your policy.

A standard homeowner’s policy, once you are proven legally responsible for someone’s injury that happened in your property, can help cover medical bills, lost wages or even legal fees. If a lawsuit is filed the attorney fees alone can be in the thousands.

Sometimes in the winter damage can occur that isn’t preventable. You’re best bet is to have an adequate policy that fits your needs. You should talk to your agent to discuss your needs and options.

Auto Insurance

How Auto Insurance Can Remove the Stress From Stressful Situations

We’ve all been in tough situations before, as far as our cars are concerned. Those tough situations always seem to come at the wrong time too (as if there ever is a good time for car troubles), but it is experiencing those tough situations that make us learn lessons on the importance of having car insurance. Before committing to one insurance quote, it’s best to use a comparison site like Insurancequotes, Inc.

Everyone doesn’t have the luxury of being able to possess a car, so when you do have a car, you need to be a responsible driver, and take every measure you can to protect not only your car, but yourself. Every time you get inside your vehicle, you are putting your life, and the lives of other motorists, at risk. It’s somewhat scary to think about, but it’s the truth. Whether you’re just going up the road to the gas station, or taking a major road trip somewhere, you want to make sure your vehicle is covered.

When considering car insurance, there’s plenty you have to weigh and factor. How much will it cost me up front? How much will it cost me per month? What will be covered? What if I can’t afford it? All of those questions and concerns are very valid when it comes to choosing an insurance policy that meets your needs on coverage and on price.

Those concerns alone are all the more reason to sit and talk with a professional, experienced insurance agent to find the policy that will perfectly fit your unique circumstances. Doing so will help put your mind at ease with the concerns you have, and can certainly reduce the stress that also comes with the privilege of driving. Take a look at how having car insurance has gotten many people out of sticky situations.


No one is a perfect driver, and you run the risk of getting some type of ticket every time you drive your car. Whether you get caught running a red light, speeding, or doing an illegal lane change, for many, there’s no escaping those red and blue lights. Those types of traffic violations usually warrant a ticket, but you could get an additional ticket on top of those for not having car insurance.

Typically, whenever an officer pulls you over, they’re going to ask for three things: your license, registration, and proof of insurance. You may be able to provide the first two, but if you can’t provide your proof of insurance, then be prepared for the added stress of an additional ticket on top of the other traffic violation. So, to play it safe, look into the different car insurance coverage options to meet your car driving needs.

Stuck on the Side of the Road

Being stuck on the side of the road, and having roadside assistance, versus not having roadside assistance, can make or break anyone’s day. It can make the difference in getting help within an hour or two, and getting help the next day.

People get stuck on the side of the road for various reasons. It can be the result of running out of gas, getting a flat tire, or something just going haywire with your engine. Whatever the case may be, the most important thing is safety – you being able to pull over safely, without injuring yourself or anyone else, and being able to get your car towed to a safe location.

Roadside assistance usually also covers locksmith assistance. Most of us have had it happen at least once in our lives: locking ourselves out of our car. Most of the time, you can look through the window and see your car keys sitting right in the driver’s seat, or still in the ignition.

This type of situation also normally comes at the worst possible moment. It seems as though you lock yourself out of your car when it’s cold or raining, or when you have somewhere to be. As mentioned earlier, there’s never a good time to have these car troubles, but it’s so convenient to be covered when you do have them. A good rule of thumb to keep when it comes to having car insurance is, It’s better to have it and not need it, than to need it and not have it.”

Car Accidents

Car accidents are the main reasons to have insurance. It covers you when accidents occur. Now, there are several different types of insurance policies that can meet your needs. A lot of people choose full coverage insurance. It really just gives you more protection to cover a wider range of different types of car incidents.

Full coverage insurance is a combination of different protections for you and your vehicle. If you’re financing your vehicle, most auto financing companies will require you to have auto insurance on that vehicle. If you’re not financing your vehicle, most states require you to have at least liability coverage on your car. If you’re in an accident that wasn’t your fault then any repairs needed for your car can be paid for by your insurance company. This means you are free to go to a law firm like warriorsforjustice.com and see if you can get compensation for any injuries suffered without worrying about how you’re going to repair your car.

The main thing is to have car insurance in general, because life happens, and you want to be prepared for whatever life may throw at you. Having the right car insurance that meets your needs is a great step in the right direction. But remember, if you sustain an injury from a car accident, and you’re a resident of the Morristown area of Tennessee, you may want to consider getting in touch with Morristown Car accident lawyers to help you with a claim.

rv insurance

Your Guide to The Fundamentals of Recreational Vehicle Insurance

When it comes to hitting the open rode, and bringing the comforts of home while you explore the highways and byways of American, there’s nothing better than an RV. Whether your trip will take you 15 miles or 1,500 miles, your RV is your ticket to seeing all of the places you’ve always dreamed of going, and bringing the comforts of home with you, all the while. But as with any other type of vehicle, you need to take steps to protect yourself. Natural disasters, collisions with wildlife, wear and tear, an accident with another vehicle – these are all risks having an RV entails.

With so much potential for disaster to strike, you need RV insurance to protect both your family and your investment. But with a multitude of insurance agencies, and different types of policies available, how can you ensure that you’re getting the right policy that will keep you and your family safe? Read ahead to discover the fundamentals of RV insurance, and learn about the critical areas you need to know before you make a decision.

What is RV Insurance?

RV insurance is a policy,  provided by an insurance provider to a consumer, that protects their trailer, camper or motorhome by agreeing to pay out in the event of damage or loss. Different policies offer different types of coverage, dependent on the RV owner’s needs and desires, to safeguard a vehicle, and provide peace of mind during vacations and long drives.

If you drive an RV, you will have to obtain liability coverage, since both federal and state laws require you to have vehicle insurance to drive legally. In almost every circumstance, any kind of motorhome, any RV that is still under loan, and any rental RVs, will require insurance. In certain states, you may not be required to get RV insurance if your RV is tow-only, and you completely own the vehicle (i.e. have paid off your loan).

What Does RV Insurance Cover?

Insurance for RVs cover some of the similar risks that car insurance provides, such as collision coverage, liability coverage, and extended coverage. You will also be provided with additional security for your private possessions on board, equipment, and other accessories installed in the RV, such as a satellite dish or canopy. Depending on your how much risk you’re willing to assume, you can opt for additional coverage, including overall replacement, emergency expenses, and vacation coverage.

How Does Insurance For RVs Work?

Insurance for your RV will safeguards you as an RV owner from extensive costs in the event of a loss or damage, even if you are the one to blame in an accident which causes injury or damage to property. It can also give coverage for your expenses if your RV ever breaks down on the road. Below are some problems you could encounter during an RV vacation, and how an RV insurance would possibly cover it:

  • If you have uninsured/under-insured motorist coverage, and another car crashes into you, but that driver is not insured, your insurance provider will pay for full/partial damages depending on the company’s terms. The amount you will receive will also depend on how critical the damage is, your deductible amount, and the restrictions of your policy.

  • If you caused the accident, the other driver must file a claim with your insurance provider. Your insurance provider will pay the claim with the amount, depending on the terms your policy outlines for your liability coverage. You will have to pay for any damage expenses, injuries and other fees incurred beyond the limits arranged on your insurance policy.

  • If your RV is non-functional after the accident, and will have to be towed, your insurance policy will cover all or some of the expenses of towing.

  • If your RV is stolen, an animal caused damage to it, or is damaged by natural phenomenon, your extended coverage should pay for some or all of your losses, depending on the limits you have chosen in your insurance.

Is RV Insurance Important?

Like automobile insurance, RV insurance is mandatory in all states in the United States. All states also demand a minimum amount of insurance coverage to be able to legally operate a motor vehicle. In some states, they also require getting uninsured and under-insured motorists insurance. Once the minimum amounts of coverage have been set, you will determine the amount of additional coverage you want, and in what areas.

Be sure to determine how you will handle expenses if you get involved in an accident, and do not have sufficient coverage. You will be obligated for additional requirements if you’re renting the RV, if you live permanently inside your RV, or if you borrowed funds to purchase your RV.

What Coverages are Offered?

Collision Coverage

This will help you pay for any repairs or replacements needed for your RV, if it has been damaged because of an accident with another car or an object. Collision coverage may also cover the physical structure of the RV, and the features attached inside, such as sinks and installed TVs.

Extended Coverage

Damages to your RV can also be caused by other factors aside from a collision. Extensive coverage will help cover the expenses of repairing your RV if it is damaged by natural disasters. For instance, extensive coverage will help cover damages caused by floods. Read the terms of your insurance policy, or contact your agent to know what is covered in your insurance.

Medical Coverage

This helps cover medical bills or funeral expenses that you or anyone on your RV incurs as the result of an accident up to the limitations of your policy.

Contents Coverage

You may have noticed that your RV insurance also offers restricted coverage for all your personal possessions. Read your insurance policy to know about content coverage it provides. If you have homeowners insurance, the personal property coverage on that policy will also help cover your property while it is being stored inside your RV.


4 Reasons Why You Need Insurance

Insurance has become one of the most important parts of our lives and is now a crucial factor in safeguarding not only our well-being but every aspect of our lives. You may already be considering someone like One Sure Insurance, and we’re here to tell you that you truly do need to get insurance on the things you love. There are many different policies that are needed to be completely covered. You will need auto, health, life, homeowners, renters, and business insurance if you are a business owner. Each type serves a different, but very important purpose.

Here are some reasons why we need insurance:

Safety by Awareness

Insurance is not just about covering losses that arise, but also gives us the chance to prevent losses from happening. Insurance companies usually require assessments as a component of the process for coverage. This will help gauge how risky you are. Through this process you will be able to change or improve anything that made you risky.

For instance, if you are getting health insurance, if your BMI is too high, you will get a higher quote or the dreaded denial. Through this process you will be made aware of your health risks. Your insurance agent will help you understand what changes you may need to make.

Provides Security

Having insurance decreases the chances of incurring financial problems in certain cases of loss and accidents. An accident or theft could financially ruin you or cause a hardship if you don’t have insurance. Insurance gives us leverage against any kind of loss. That’s why business that specialise in delivery tend to be aware that companies such as constructaquote offers courier insurance, and they use these policies to protect their business against major losses.

Life insurance guarantees that your family will be taken care of financially if something happens. If you are not equipped with any insurance and an accident happens, you are going to lose thousands in medical and repair costs, not to mention replacement costs on those belongings that were stolen or damaged. If you live in the state of Michigan, consider Michigan life insurance rates offered by Affordable Life USA.

Commercial insurance will help protect your business by keeping it operating smoothly in the event something happens. It will help you avoid losses.

Health And Wellness

With today’s increasing risk of diseases and expensive medical bills, having insurance gives protection against these illnesses and expenses incurred from hospitalization. From the business point of view, equipping your employees with health insurance will be a priceless resource that will attract more and retain more of your best employees. It also makes your institution a lot more charming if your insurance coverages are better compared to your competitors. It is not uncommon for employees to stay with a company if their health care benefits are cheaper and a more convenient.

Most insurance companies will give you tons of resources to better protect yourself, your home, and belongings. Some of these tips can be lifesaving.

Peace of Mind

Having insurance gives you peace of mind since you know you have a safety pad to rely on. It gives you a precious tool to aid you achieve your goals in life such as buying your own house and securing your children’s future.

pet insurance

Are My Dogs Covered by Homeowner’s Policy?

Not to be mistaken for pet insurance, which covers many medical expenses for your four-legged companions, most homeowner policies do provide coverage for pets and any damage they may cause. This is not all-encompassing however, and there are exclusions involved in any policy. Keep these exclusions in mind when shopping for a policy that covers them, especially when it comes to dogs. Dogs present more of a challenge that other pets such as cats or birds. When an incident occurs involving a dog, it receives attention from the media that could escalate the situation beyond the truth, blaming the breed for the aggressive action rather than the individual dog or the dog’s owner. The influence of social media also affects a breed’s appearance in society, which in turn affects the breed’s standing with insurance companies.


Your house and any additional structures attached to your home such as a garage, sunroom,  or porch should be covered if they are damaged from an incident involving your dog. This would include replacing a window if your dog crashed into it while chasing a ball or if they accidentally started a fire by knocking over a lamp. What would not be covered would be anything on the property that is not connected to the house. Fences, storage sheds, and a separated garage would not be included should your pet cause damage to your home.

Personal Property

What exactly is covered in a homeowner’s policy will depend on the insurer. Most policies will not cover damage to your personal property that is expected from dogs, or they will provide options for supplemental coverage at an additional expense. While damage to select pieces or parts of furniture and equipment tend to be covered by insurance, chewing and scratching of walls, floors, and rugs are typically not. To know exactly what personal property is protected by a policy, consult your local agent.


This is the one that concerns the majority of pet owners and insurance companies alike. Approximately 65% of American households own a dog. At the same time, over 4.5 million Americans experience dog bites each year. This is a concern for insurance companies because this correlates to the majority of dog bites are happening in and around the home. Dog bites are usually covered by a homeowner’s policy. The breed of dog you own can increase your premiums, however. Insurers will look at a dog’s breed to determine eligibility. Some may refuse you coverage if you own a particular breed of dog, some may require you to sign a liability waiver to protect themselves from damages caused by a dog bite. Others still will require you to purchase additional coverage for your pet. Some of the breeds insurers are typically concerned with are Rottweilers,Pit Bulls, Doberman Pinschers, German Shepherds, Akitas, and Mastiffs. To determine if your pet is covered under a homeowner’s policy, your local agent will be able to assist you.

Insurers use information based on a variety of studies to compile their lists of breeds they are unable to cover. Not all insurers discriminate against the breed. Many will take into account your pet’s bite history. They understand that any dog under certain stimuli can bite, no matter what the breed is.

renters insurance

What is Rental Insurance and Do College Students Need It?

It is that time of year where college students are heading back to class. For many new college students this is their first time away from home. This is an exciting time, and also a time to learn new life lessons. Now that you are officially an adult, it is the time to learn about adult responsibility. Insurance. Every adult is responsible for some type of insurance, such as health, life, auto, and homeowners or rental insurance. Many college students are unaware that they need insurance since they are renting. The truth is, they do. Let’s learn more.

What is Rental Insurance?

Rental insurance is like homeowners insurance, but for renters. It covers lost, stolen, or damaged possessions. It covers accidents and injuries for guests at your home. It also covers additional expenses if your rental is damaged and is unlivable. There are limits to the coverage amounts for these, so speak with your agent to learn more.

What if Your Stuff is Lost, Damaged, or Stolen?

While many students think about their college experience as being a fun experience, there are things that can go wrong. For instance, your rental could be damaged from a storm or a fire. Unfortunately, these things are common and can be devastating. Imagine how much it would cost for new clothes, a tv, a phone, furniture, and a computer. That could easily be thousands. Your rental insurance with pay for those items up to the limits of the policy.

Another very common, unfortunate event is theft. Imagine you come home to find your brand-new electronics are missing. That new expensive laptop you just got for school is gone. This is why so many people choose to buy laptops for rent however if you choose to rent a laptop, insurance is still crucial. How will you do homework without a computer? This is where your rental insurance kicks in. They will pay out up to the limits of the policy.

What if there is an injury at your home?

Imagine you are having a party or a study session at your home and a glass is dropped and your guest gets an injury that requires stitches. Maybe a guest trips and breaks their leg. This can happen to anyone. Who is responsible for the ER trip? You very well could be. A trip to the ER can be very expensive. Your rental insurance can pay for their medical bills. If that guest decides to sue you, your insurance will help with your lawyer fees, up to the limit of your policy.

If Your Rental Is Uninhabitable, Where Will You Go?

If you can’t live in your rental even for a few days, you may have to go to a hotel. On average, a regular hotel costs about $130 per night. It won’t take long for that to pile up. Also, your food budget may increase if you don’t have a kitchen. You will be forced to eat out. Rental insurance takes care of the additional expenses that you will incur from being displaced. Again, your policy will cover up to the terms you’ve selected.

As you can see, rental insurance is very important. Without it you could be on the hook for any expenses from theft, damage, or injury which can result in a huge bill. For more information speak with your insurance agent to find the best policy for you.

trampoline covered by insurance?

Is Your Pool, Trampoline, and Playground Equipment Covered?

Summer is the perfect time to spend time outside. Memorial Day and the 4th of July are huge celebrations for Americans. They are usually spent outside grilling and playing. Are you protected by your insurance company if an accident occurs? Let’s take a look at some fun, but potentially risky toys.

Pools, trampolines, and playground equipment are staples in many backyards. During the summer, kids will spend a majority of their time playing in or on them. They may even have friends over to enjoy them. Pools, trampolines, and playgrounds are fun, but can be very dangerous. One missed landing on a trampoline can result in broken bones. One slip off the monkey bars can cause a broken arm. A mishap in a pool can be deadly. These accidents are common. What happens if this happens in your backyard? You may be surprised.

Swimming Pool Insurance Coverage

Let’s start with toughest one, the pool. Pools can be a nightmare. Besides the risk of injury (check out this Coast2Coast Toronto CPR first aid course), the risk to your yard and home are another aspect that make owning a pool difficult. If your pool gets a leak, it can ruin your yard. If it leaks to your home it can cause flooding in your basement, damage to your foundation, and can damage drywall. If your pool is located near your neighbors house and their home is damaged from your leaky pool, it can create a huge problem.

So, the big question if the pool is covered or not depends on your insurance company and the coverage. Many companies cover pools, but the type of pool, either above ground or in ground, changes the type of coverage. Pools are called an “attractive nuisance”. You are responsible for anyone who enters your pool even if you DID NOT GIVE PERMISSION. To avoid injury put a locked gate around your pool. Before installing a pool or buying a home with a pool, speak to your insurance agent about coverage. Adding a pool to your home can increase your policy.

Trampoline Insurance Coverage

A trampoline is also an “attractive nuisance”. People will flock to a trampoline. Trampoline injuries are one of the most common injuries in children. You are responsible for injuries, like pools, even if you did not give permission for a jumper to be on them. Unfortunately as well, sometimes if the trampoline isn’t covered, have the correct equipment or if the child isn’t being supervised, injuries can even lead to more fatal consequences such as trampoline deaths. This can be a devastating time, but there are lawyers out their that can help you if this awful situation were to occur. Another interesting aspect of a trampoline is that they can fly. During storms, trampolines that aren’t securely tied down are know leave the backyard. This can cause damage to neighbors homes, cars, landscaping and fences. Before your assemble one in your backyard, learn about the coverage you need and can have. You do not want to be on the hook for trampoline damage. Many policies DO NOT cover trampolines.

Playground Equipment Insurance Coverage

Playground equipment are usually much less risky to insurance companies. Most companies offer coverage for these without a huge change in policy.The sturdy wooden sets are heavy and don’t fly, as well as, a trampoline will, so damage is less likely. There isn’t water for someone to drown in and people aren’t typically jumping off them. Most sets have a slide and swings. Even though an injury can happen, it is typically less severe. Always check your policy before adding a playground to your yard.

Don’t Risk It, Call Your Agent!

Before you have family and friends over to enjoy your outdoor toys, call your insurance agent to discuss coverage and what is and isn’t covered. You don’t want your fun toys to ruin you financially if an accident occurs.