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How Smart Tech Can Protect Your Home, Reduce Your Premium

Smart home automation interface with icons for security camera, lock, lightbulb, thermostat, and tools, illustrating technology used to enhance home safety and qualify for homeowners insurance discounts.

Homeowners are increasingly turning to smart technology to improve safety and security, reduce the risk of damage, and help them qualify for homeowners’ insurance discounts. Many insurance companies reward homeowners who install devices that reduce the risk of fire, theft,…

Property Insurance Won’t Cover Mudslides, Landslides

Flooded area with muddy water and eroded soil near a building — a common aftermath of mudslides or landslides in wildfire-affected regions, highlighting the importance of specialized property insurance coverage.

Businesses and homes located in areas hit by wildfires face another risk after the fires subside: flooding, landslides, debris, and mudflows. These events are not covered by a standard business property or homeowner’s insurance policy. Areas affected by wildfires have…

The Growing Danger of Lithium-Ion Battery Fires

Bright orange flames against a black background, illustrating the intensity and danger of lithium-ion battery fires, which can ignite suddenly and spread rapidly due to thermal runaway.

Lithium-ion batteries power many of the devices we use every day, but they also pose significant fire risks if mishandled. Fires caused by these batteries in cell phones, laptops, electric vehicles, and more are on the rise, and the number…

Gaps in Your Policy Coverage Can Leave You Exposed

A white jigsaw puzzle with a single missing piece revealing a yellow background underneath. This image symbolizes potential gaps in insurance policy coverage, highlighting the importance of reviewing and addressing these gaps to ensure comprehensive protection for your assets, valuables, and liabilities.

You may have auto insurance and home or renter’s insurance in place to make sure you have coverage in case of an accident. But, depending on the circumstances of a claim, you may have coverage gaps in your insurance, and…

The Importance of Maintaining Your Smoke Alarms

Ceiling-mounted smoke detector in a residential building

A home fire can start in an instant and quickly spiral out of control. It doesn’t take much for one to get started, but you can prevent it from spreading and causing substantial damage with one simple piece of equipment:…

Insurers Get Picky About Older Roofs

Front view of a weathered white building with a red tiled roof and green wooden shutters on the windows. The exterior shows signs of age, with visible cracks and stains on the walls. A wreath with a red ribbon hangs on the lower left side of the building, adding a touch of color. The rustic charm and character of the structure are highlighted against a clear blue sky, evoking a sense of history and simplicity.

As homeowner’s insurance companies become more selective about whom they will or won’t cover, one element that can make or break the deal is the age of the roof. Some insurers in states at high risk of natural catastrophes are…

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