As flames engulf a building and firefighters battle the blaze, the owner gets scolded by a man in a suit—because she waited too long to file her insurance claim. Don’t let delays cost you big. Learn how fast action can save your home, business, and wallet.
Water dripping from your ceiling isn’t just annoying, it’s expensive. It’s one of the most common and expensive mistakes homeowners make: ignoring the roof until it starts dripping in areas it shouldn’t. Don’t ignore that tiny stain on the ceiling.…
In today’s increasingly connected world, cyber threats are no longer just a problem for businesses — individuals are also increasingly being targeted by online scammers and malicious criminals. The average household now contains over 20 internet-connected devices, from smartphones and…
Many Americans start a home-based business because they want to pad their day-job income or perhaps are looking to eventually break free and work on something they are passionate about. Often, when first starting, they run their business from home.…
The fires that have ravaged large swaths of homes in Los Angeles are likely to significantly alter the California homeowner’s insurance market. Policyholders may need to brace themselves for surging premiums, policy non-renewals, and uncertainty. These wildfires will result in…
You purchase homeowner’s coverage to insure against property damage, theft, and anyone who might get injured at your home. That coverage is frequently utilized. In 2024, nearly 6% of homeowners filed a claim, according to the Insurance Services Office. Property…
Rapidly rising home construction costs could result in your home being underinsured if you suffer a major loss and haven’t increased your homeowner’s insurance policy replacement cost limits lately. Your policy has a maximum amount it will pay to rebuild…
Homeowners are increasingly turning to smart technology to improve safety and security, reduce the risk of damage, and help them qualify for homeowners’ insurance discounts. Many insurance companies reward homeowners who install devices that reduce the risk of fire, theft,…
Businesses and homes located in areas hit by wildfires face another risk after the fires subside: flooding, landslides, debris, and mudflows. These events are not covered by a standard business property or homeowner’s insurance policy. Areas affected by wildfires have…
Even if you have a business or a home that was not affected by the recent wildfires in Los Angeles, you will likely see surcharges to help pay for them on your next property insurance policy renewal. The state-run California…