An overview of home inventory apps
Posted: March 29, 2021
An overview of home inventory appsKeeping a home inventory has come a long way from the polaroid pictures of the 90s. These days, keeping an inventory of the items in your home is much easier and more reliable. While your pictures and lists of belongings could easily get damaged, destroyed, or lost, a home inventory app opens up a world of security and cloud-based memory that ensures your home’s contents...
Volcanic eruption coverage for homeowners - shifting ground part 5
Posted: December 22, 2020
Volcanic eruption coverage for homeowners - shifting ground part 5Volcanoes are one of the most dazzling features of landscapes on Earth. In fact, Hawaii Volcanoes National Park attracts over two million tourists each year. Though magnificent in nature, volcanoes pose real risks to people and property. The below map identifies the volcanoes that represent the most significant threat. Alaska, California, Hawaii, Oregon, and Washington have the eighteen highest risk volcanoes. Eight other US states also face...
Mudslide, landslide, and avalanche insurance - shifting ground part 4
Posted: December 3, 2020
Mudslide, landslide, and avalanche insurance - shifting ground part 4The only thing worse than sustaining home damage from a landslide, is realizing that a homeowners insurance policy will not cover the home damage. A standard homeowners insurance policy does not cover damage resulting from earth movement events such as mudslides, landslides, and avalanches. Given that property damage from this type of peril is often significant, homeowners need to understand the potential exposure for these...
Insuring a home on a disappearing lot - shifting ground part 3
Posted: November 23, 2020
Insuring a home on a disappearing lot - shifting ground part 3Many homeowners dream of owning a beach house. A relaxing and blissful place to get away with friends and family on a regular basis. While a coastal home is certainly an exciting venture, risks remain. One notable concern for homes on the coast is erosion. The long-term damage caused by coastal erosion can be difficult to see due to its slow, seeping nature. In this...
So, your house was swallowed by a sinkhole? Shifting ground part 2
Posted: November 19, 2020
So, your house was swallowed by a sinkhole? Shifting ground part 2Homeowners must consider all potential hazards in order to make sure their home has comprehensive insurance. One rather unusual and difficult to detect hazard is a sinkhole. The United States Geologic Survey (USGS) defines a sinkhole as “a depression in the ground that has no natural external surface drainage." Basically, this means that when it rains, all of the water stays inside the sinkhole and typically drains...