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Home insurance
Home insurance, also commonly called hazard insurance or homeowner‘s insurance (often abbreviated in the real estate industry as HOI), is the type of property insurance that covers private homes.
Hazard Insurance
What Is Hazard Insurance And Is It Just Home Insurance Think of hazard insurance the same way you would think of your body. You have a skeletal system and your…
Choosing A Fire Extinguisher
Every home and business should have a fire extinguisher on premises and choosing a fire extinguisher that fits your needs is extremely important. All household fire extinguishers are classified A, B or…
What is Premises Liability Insurance?
Anyone entering your property has the right to expect a safe environment. Including homeowner’s, tenants, landlords or anyone else. It’s the responsibility of the property owner or tenant to provide…
How to Lower Your Homeowner’s Rates
What are some strategies to lower my Homeowner’s rates? We occasionally get calls from people concerned about their homeowner’s rates. Fortunately, we can make minor changes to your account that might…
How to Prevent Pipes from Freezing
Frozen pipes are not usually a huge problem in St. Louis, but it occurs often enough. It can cause so much damage that it pays to prevent your pipes from freezing.…
Lateral Sewer Line Collapsed? What You Should Do.
Are Lateral Sewer Line Collapses Covered by my Homeowners Insurance? The most used answer given by insurance agents is: Maybe. We have seen the sewer lateral line covered by a…
Insurance Coverage for a Flooded Basement
Last month in St. Louis we had a three-day period where it rained incessantly. A lot of our clients had water backing up into their basements. We’ve complied the list…
Functional Replacement Cost
What is Functional Replacement Cost? Under certain circumstances, a Replacement Cost policy, which requires the insured to insure their home for its full replacement is not practical due to the disparity…
How to Winterize Your Vacant Home
This article is brought to you by one of our partners, Travelers Insurance. If you have to leave your vacant at any time during the winter, there are several things…
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