Category: Homeowners Insurance

How Insurance Changes When Downsizing Your Home

Thinking about downsizing can feel like a really big step, but it’s an exciting chance to rethink what you really need in a home. Whether you are moving out of your parents’ home into your first apartment or from a family home to a retirement condo, there are several important aspects to keep in mind. In this blog, we will walk you through how insurance changes when downsizing your home and guide you through taking a new home inventory, assessing changes in liabilities, and determining whom it needs to cover.   Continue reading How Insurance Changes When Downsizing Your Home

What Factors into an Insurance Quote?

When you’re shopping for insurance, one of the first things you’ll do is get a quote. But what exactly goes into determining that number? Insurance companies consider a variety of factors when calculating a quote, each of which helps assess the level of risk you pose as a policyholder. Understanding these factors can give you a better idea of what to expect and how you might be able to lower your premium. Let’s break down the key elements that influence an insurance quote.  Continue reading What Factors into an Insurance Quote?

Summer Home Fire Safety: At-Home Risks

Summer is a time for outdoor fun, barbecues, and enjoying the warm weather, but it also brings increased risks of home fires. From man-made hazards like BBQs and firepits to seasonally higher temperatures, it’s crucial to be prepared and take preventive measures. This blog will cover essential summer home fire safety tips and highlight how insurance can protect you against fire-related damages.  Continue reading Summer Home Fire Safety: At-Home Risks

Attractive Nuisances and Your Liability Insurance

Homeownership comes with many responsibilities, including ensuring the safety of others on your property. Certain features, known as “attractive nuisances,” can pose significant risks, particularly to children, including those who trespass. Understanding what these are and how to protect against related liabilities is crucial. This blog will review common attractive nuisances and explain how liability insurance and additional umbrella coverage can safeguard you.  Continue reading Attractive Nuisances and Your Liability Insurance

Event Insurance or Umbrella Insurance for Liability Coverage?

If you’ve got a big event coming up, you’re doing a lot of planning. Beyond picking out the menu and breaking out the decorations, you might be thinking about the welfare of your guests, including what might happen in an accident. That focus on liabilities might convince you to invest in insurance to help, but what kind? Today, we’re looking at event insurance and umbrella insurance for liability coverage: which is most useful under what circumstances and how they work. Continue reading Event Insurance or Umbrella Insurance for Liability Coverage?

How Home Renovations and Homeowners Insurance Interact

Home renovations start as dreams, then become plans, then budgets, a major project happens, and then your home is closer to your dream. But one thing often overlooked in the planning stages is how a home remodel can affect your homeowners insurance—namely, your premiums and what’s covered. There are three primary ways that home renovations and homeowners insurance interact. Let’s go over them below. Continue reading How Home Renovations and Homeowners Insurance Interact

4 Insurance Tips for First-Time Homebuyers

Congratulations on the house! As both a big investment and a big change in your lives, it’s important to get the right protection and understand how that coverage works. Homeowners insurance is as complicated and varied as the houses it protects, so learning as much as you can before you start shopping around can make sure there aren’t costly mistakes down the line. Learn four helpful insurance tips for first-time homebuyers from your friends at Safeside Insurance! Continue reading 4 Insurance Tips for First-Time Homebuyers

Reviewing Your Current Insurance in the New Year

A new year means a lot of different things to a lot of different people. New personal or financial goals, dealing with new purchases from the holidays, or a new business year. Regardless of your situation or plans, one thing everyone should do in the new year is revisit their insurance. Whether it’s homeowners, renters, auto, or business policies, reviewing your current insurance alongside your ambitions for this year is the first step to meeting your resolutions. Continue reading Reviewing Your Current Insurance in the New Year