Home. It is a powerful word. While a house (or other dwelling) is often the largest single item of value that a person or family will own, it isn’t just a physical structure for most people. It protects us from the elements, shelters our children and hosts our celebrations; the home is almost like a [...]

Many insurance policies do not protect against loss from floods or earthquakes. This is due to the massive risk that both pose. Whereas theft, fire and other types of incidents generally affect one dwelling at a time (or a small group), floods and earthquakes usually affect a large number of homes if they affect one. [...]

Homeowners insurance usually covers several major classes of liability. In general though, the two most important categories are coverages pertaining to property (dwelling, other structures and personal possessions) and personal injury or medical payments. Determining how much real and personal property insurance is relatively straightforward, but not quite as simple as many people think. Most [...]