Saturday, July 30, 2022Parts of the St Louis region received as much as 8" of rain in 6 hours and a total of 11" in 24-hour period beating a record from July 1915. READ MORE >>
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Friday, February 18, 2022When a homeowner dies or has moved out of the house and the home is no longer OWNER-OCCUPIED can an insurance company deny a homeowner claim? Yes, an insurance company can deny a homeowner claim if a home is no longer OWNER-OCCUPIED. READ MORE >>
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Tuesday, July 27, 2021Is it a good idea to Itemize/Group/Schedule valuable items such as card collections on your homeowner policy? Yes, it is. The reason is it's valuable and anything of value such as $10,0... READ MORE >>
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Monday, December 14, 2020All homeowner companies have limitations in the event of theft to valuable items. Each company has their own limits; however, most companies are pretty close similar and take it one step furt... READ MORE >>
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Tuesday, June 30, 2020Homeowner policy forms are used for Owner-Occupied residences, not rental or vacant properties. Homeowner forms can be used for owning a home, villa, condo or renting an apartment; however, there are different homeowner forms for each. READ MORE >>
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Monday, February 24, 2020All homeowner companies have LIMITATIONS, there is no such thing as FULL COVERAGE.
Pay special attention to theft limitations to valuables like Jewelry($500), Silverware($500), Cash($2... READ MORE >>
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Friday, December 13, 2019A new coverage in 2019 is available from many home insurance companies called Service Line coverage. This coverage is designed to cover sewer lines/water lines/power lines from the house to t... READ MORE >>
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Tuesday, January 15, 2019Winter has come across the nation and that means fires in fireplace. I have a couple fires a month in my fireplace. I try and clean out the ashes a few days later and reset wood, sticks and paper for the next fire. READ MORE >>
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Wednesday, October 31, 2018Many people own some kind of motorized vehicle, such as ATV, golf cart or scooter and assume their homeowner policy will cover it, well they will be in for a shocking surprise in event of a serious injury. READ MORE >>
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Tuesday, October 9, 2018This is a reminder to be extremely careful opening up any email attachments. If you are unsure who the sender is then do not open any attachments or go to any links within the email. READ MORE >>
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