The financial impact of a flood can be devastating without flood insurance, but what does flood insurance cover, and which type of homeowner needs it most? With these questions in mind, we've compiled a list of what every homeowner should know to understand the ins and outs of flood insurance coverage. What is flood insurance, and why do I need it? Flood insurance is a specific insurance coverage that protects your home and personal property against damage caused by flooding. Unlike standard homeowners' policies, flood insurance covers losses directly caused by flooding. This is critical because just one inch of floodwater can cause over $25,000 in damage. What does flood insurance typically cover? Flood insurance generally covers physical damage to your structure and possessions caused by floodwaters from an overflowing river, a hurricane, a snowed-in drain, or similar events. The main elements covered are: The building and its foundation Electrical and plumbing systems Cent...

  Buying an older home can be an exciting prospect for many home buyers. It's an opportunity to own a piece of history and enjoy the unique charm and character that these homes offer. However, it's important to remember that older homes come with their fair share of issues, and it's essential to assess the property's condition before making a purchase. In this blog post, we'll go over some of the factors to consider before buying an older home. Condition of the Home If you're considering purchasing an older home, it's important to understand the potential condition issues that may come with it. While charm and character are certainly desirable qualities, they can come at a cost. Assessing an older home's condition starts with a thorough inspection by a qualified professional, but there are some telltale signs you can look out for yourself. Check for cracking or flaking paint, water damage, foundation issues, and outdated electrical systems. It's also...

Wildfires can have devastating consequences, leaving families in their wake with nothing but ashes. Thankfully, there are ways to prepare yourself for the worst and protect your family from loss. Insurance is a valuable tool for dealing with unforeseen disasters like wildfires. Not only can insurance save you from financial ruin, but it can also give you peace of mind knowing that your family is protected from the repercussions of a wildfire. Being knowledgeable about the dangers of wildfires, securing insurance to cover wildfire damage, and taking preventative steps will go a long way in reducing the possible impact of fires on your life. Wildfire Risk Levels Nearly all homeowners insurance policies will come equipped with coverage for fires, including wildfires. If you live in an area that is prone to wildfires, this can become slightly more complicated. Most insurance companies will assess a home's likelihood of being affected by wildfire by looking at the property's FireLin...