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Homeowners Insurance

Are homeowners required to have homeowners insurance?

Homeowners insurance is a vital way to protect your home from the unexpected — from fires to disasters to crime. It’s so important, in fact, that your mortgage lender will…

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April 14, 2022
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How much does homeowners insurance cost

Are you a homeowner who is curious about the cost of homeowners insurance? Well, you’ve come to the right place because I’m here to give you all the details you…

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March 17, 2023
Homeowners Insurance

How to Ensure Your Golf Cart Is Covered by Your Homeowners Insurance Policy

If you own a golf cart, it’s essential to understand how it’s covered under your insurance policies, especially if you’re storing or using it at your primary residence. Many golf…

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July 7, 2025
  • Homeowners Insurance

    7 Things Nobody Tells You About Homeowners Insurance

    March 18, 2025 /

    When you buy a home, one of the first things you’ll need is homeowners insurance. You’ll probably hear the basics—what it covers, how much it costs, and why your lender requires it. But beyond the brochures and quotes, there’s a lot more to know. Some things only become obvious after you’ve filed a claim or had your policy for years. Here are seven things nobody tells you about homeowners insurance but definitely should: 1. Your Policy Probably Doesn’t Cover Everything You Assume It Does Many homeowners are surprised to find out their standard policy excludes certain disasters. For instance, floods and earthquakes are almost always excluded. If you live in…

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    Homeowners Insurance Deductible – What Does It Cover?

    March 15, 2025 /

    Understanding your home insurance deductible can help you decide how best to protect what may be the most expensive purchase you ever make. Unfortunately, it’s not always easy to understand your policy’s fine print. Keep reading to learn how a homeowners deductible works, how it affects your premium, and how much of a deductible you may need. What Is a Home Insurance Deductible? Simply put, a home insurance deductible is the amount that a homeowner must pay before their insurance steps in to cover the remaining expenses on a claim. The deductible is expressed as a fixed dollar amount – usually $500 to $2,000, but it can be higher –…

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  • credit score
    Insurance

    How Your Credit Score Affects Your Insurance Rates

    March 4, 2025 /

    Your credit score doesn’t just impact your ability to get a loan or a credit card—it can also influence your insurance rates. Many insurance companies use credit-based insurance scores to help determine the premiums you’ll pay for auto, home and even renters insurance. Understanding how your credit score affects these costs can help you take steps to secure better rates. Why Insurance Companies Use Credit Scores Insurance providers use credit-based scores because research shows a correlation between credit history and the likelihood of filing claims. Statistics suggest that individuals with lower credit scores tend to file more claims, leading insurers to charge higher premiums as a precaution. Conversely, those with…

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    Title Insurance

    Can I Buy Title Insurance After Closing?

    February 20, 2025 /

    When purchasing a home, title insurance is often recommended or required to protect against potential ownership disputes, liens, or claims against the property. However, what happens if you don’t purchase title insurance at closing? Can you still get it afterward? The short answer is yes, but there are essential considerations to remember. Understanding Title Insurance Title-insurance protects homeowners and lenders from financial losses related to title defects, such as fraud, undisclosed heirs, unpaid liens, or recording errors. There are two types of these insurance policies: Lender’s Title-Insurance: Most mortgage lenders require this policy to protect the lender’s interest in the property. Owner’s Title Ins: This optional policy protects the homeowner’s…

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  • How to Choose the Best Homeowners Insurance Policy in Central Oregon
    Equipment Breakdown Coverage

    What is equipment breakdown coverage? How does that work?

    February 6, 2025 /

    What is equipment breakdown coverage? Homeowners insurance protects your home and belongings against unexpected events like fire, theft, and natural disasters. However, standard policies often do not cover household appliances’ and home systems’ mechanical or electrical failures. This is where Equipment Breakdown Coverage (EBC) comes in. What Is Equipment Breakdown Coverage? Equipment Breakdown Coverage is an optional add-on (endorsement) to homeowners insurance that covers sudden and accidental mechanical, electrical, and pressure system failures of appliances and home systems. It helps homeowners repair or replace essential equipment that stops working due to internal malfunctions rather than external perils like fire or water damage. Unlike a home warranty, which typically covers wear…

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  • homeowners insurance
    Extended Replacement Cost

    What Is Extended Replacement Cost?

    January 31, 2025 /

    Searching for information on extended replacement cost? One of the most critical factors when insuring a home or property is whether your coverage is sufficient to rebuild in case of a total loss. Extended replacement cost is an insurance provision that provides additional coverage beyond the dwelling’s insured value, ensuring that homeowners can rebuild their homes even if costs exceed the policy’s base limit. This type of coverage is particularly valuable in scenarios where construction costs rise unexpectedly due to inflation, supply shortages, or increased labor expenses. Understanding Replacement Cost Coverage Before diving into extended replacement cost, it’s essential to understand how standard replacement cost coverage works. A standard homeowners…

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    Deschutes County Homeowners Insurance,  Homeowners Insurance,  Sunriver Oregon Homeowners Insurance

    Does homeowners insurance cover valuables?

    January 9, 2025 /

    Many people wonder if their valuables are fully covered when considering homeowners insurance. The answer isn’t straightforward, as coverage depends on several factors, including the policy type, the items’ value, and specific coverage limits or exclusions. Standard Coverage A typical homeowners insurance policy covers personal belongings, including furniture, clothing, electronics, and other items. However, coverage is often limited for high-value items such as jewelry, artwork, collectibles, or expensive electronics. For instance, a standard policy might cover up to $1,500 for jewelry theft, which may fall short of replacing a valuable engagement ring or a family heirloom. Replacement Cost vs. Actual Cash Value Understanding how your policy reimburses you is crucial.…

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    Insurance Endorsement

    What is an Insurance Endorsement?

    January 1, 2025 /

    Searching for more information on what is an insurance endorsement? Insurance is a fundamental tool for managing risk, but sometimes, standard policies don’t cover specific situations or assets. This is where an insurance endorsement, also known as a rider or amendment, comes into play. An insurance endorsement is an add-on to a basic insurance policy that alters its terms, coverage, or conditions. Endorsements can provide additional protection, modify existing coverage, or clarify ambiguities within a policy. Understanding the Basics Endorsements allow policyholders to customize their insurance policies to better suit their needs. They typically address standard coverage gaps or adapt to unique circumstances. Endorsements can be added at the start…

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    Homeowners Insurance,  Sunriver Oregon Homeowners Insurance

    Does homeowners insurance cover basement flooding?

    December 19, 2024 /

    Does homeowners insurance cover basement flooding? When protecting your home, homeowners insurance is a crucial safeguard. However, many homeowners need clarification about whether their policy covers basement flooding. The answer depends on the source of the water and the specific terms of your insurance policy. Here’s an in-depth look at what homeowners insurance typically covers and what it doesn’t when it comes to basement flooding. Covered Causes of Basement Flooding Standard homeowners insurance policies are a comforting shield, generally covering water damage that results from sudden and accidental events inside the home. For instance, if a pipe bursts in your basement and floods the area, your policy will likely cover…

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    Does Homeowners Insurance Cover Sewer Lines?

    December 11, 2024 /

    Does homeowners insurance cover sewer lines? Homeowners insurance is a crucial safety net for safeguarding your property and belongings from unforeseen damages. However, comprehending what your policy covers, especially in specific scenarios like sewer line issues, is key to feeling empowered and in control of your insurance coverage. In this article we will answer this important question about homeowners insurance coverage and provide you with insight into this issue. Does Homeowners Insurance Cover Sewer Lines? Generally, standard homeowners insurance policies do not cover damage to sewer lines or their repair and replacement. This is because sewer lines are typically considered part of the homeowner’s regular maintenance responsibilities, and damage to…

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