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Homeowner’s Insurance

Homeowner’s Insurance information, news, and updates from your trusted Independent Insurance Agency

Cash Value vs Replacement Cost Coverage

Homeowners insurance policies offer actual cash value or replacement cost coverage to replace your damaged, stolen, or destroyed personal property. The only difference between replacement cost and actual cash value (ACV) is a deduction for depreciation. However, both are based on the cost today to replace the damaged property with new property. Let’s take a look […]

Watch Out for Vanishing Deductibles

Many insurance agencies are enticing customers by offering vanishing deductibles on car insurance policies. Meant to encourage safe driving, the plans trim their collision deductible for each year they don’t file a claim. For example, if a customer’s deductible starts off at $500 and five years pass without a claim being filed, the deductible vanishes […]

Homeowner’s Insurance Water Damage – Coverage Explained

Water is one of the most harmful elements for a home and certainly, one of the more common Homeowner’s Insurance claims we see here at the agency. Homeowner’s Insurance water damage may seem innocent enough while you’re watering your lawn or taking a shower, but water can cause structural damage, unsightly blemishes, creates mold, and destroys […]