Does a Water Backup Exclusion Include Sewage?

Water damage and more specifically “water-backup” claims seem to continue to be a sticky subject.  Here is an article by “Claims Journal” you may find interesting: Standard property policies typically contain an exclusion which provides that the insurer “will not pay for loss or damage caused directly or indirectly by . . . water that […] Read more

Why you might need Underground Service line Coverage

Today I want to talk to you about an endorsement that I believe is valuable and that you can have added, for an additional costs to your homeowner’s insurance policy. That endorsement is known as underground service line coverage. So how does underground service line coverage work? And, you probably want to know what I […] Read more

Homeowners Insurance: What is Actual Cash Value

Today I’m going to talk to you about actual cash value or ACV. This is one of the other popular ways that your home can be valued on a homeowners insurance policy. So what is actual cash value? Actual cash value means exactly what it sounds like; it’s the actual cash value of an item […] Read more

Replacement Costs on a Homeowner’s Insurance Policy

Today I want to talk to you about how your home is valued on a homeowners insurance policy. There are two main ways a dwelling on a homeowner’s policy is valued and that is actual cash value and replacement cost value. On this video today, we’re just going to talk about replacement costs. I will […] Read more

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