How does jewelry insurance work?

You know what they say, diamonds are a girl’s best friend. But let’s remember all the other gorgeous pieces of jewelry out there, like sparkly earrings, chunky bracelets, classic watches, and delicate necklaces. They’re important, too! So what can we do if something terrible happens to our beloved bling? That’s where jewelry insurance comes in! […]

Donating Items: Charities That Do Home Pickups

The longer you live somewhere, the more items you’ll accumulate over the years. In fact, an LA Times article wrote the number of items in the average U.S. household at “300,000 things, from paper clips to ironing boards.” That’s a lot of stuff. If you’re at the point where you want to reduce the number […]

Tips for Water Damage Repair

The unthinkable has happened, and your home is flooded. You took precautions to minimize the chances, but here we are.  Now what? First, turn off the electricity to your house. Next, if you’re able, determine where the water came from. Knowing whether you’re dealing with clean, gray or black can not only impact how you […]

Protecting Your Home Against Water Damage

About 71% of the earth is covered by water. We use it for cleaning, cooking, drinking, and swimming. We literally can’t live without it.  But within the context of our homes, it can spell disaster if it runs uncontrolled in basements, garages, crawl spaces, floors, or walls. In fact, water damage is the second-most frequently […]

Most expensive home repairs and how to prevent them

Owning a home comes with expenses that go beyond the mortgage and insurance. Storm damage, fires, soil settling, and just plain wear-and-tear can cost more than you were expecting. Some repairs you can take your time with, others require immediate fixes. Even the most conscientious of homeowners will, at some point, write a check much […]

How Often to Replace Common Household Items

With proper care and maintenance, many items we have in our homes will give many years of service. But just because some things last a long time, not everything is designed to, or even meant to. We’ve therefore put together this guide on how often you should replace various items in your home, covering the […]

Home Maintenance Checklist

Everyone wants to be a homeowner until it’s time to do homeowner stuff. Spending a Saturday or two maintaining one of your biggest investments pays off in the long run, because if you don’t take time for it now, you will pay for it big-time later. Like vehicles, homes need regular upkeep to stay in […]

Which coverage is better, replacement cost or actual cash value?

Home insurance protects your home and belongings against damage or loss caused by events like natural disasters, theft, or fire. When choosing a home insurance policy, you’ll want to consider your budget and coverage needs equally. There are two main types of coverage: replacement cost and actual cash value. Understanding the differences is important because […]

When do you pay the deductible for pet insurance?

Like health insurance for people, pet insurance policies often come with a deductible, designed to help manage the costs associated with medical care. In both cases, the deductible is the total monies a policyholder must pay out-of-pocket before the insurance provider begins to cover part of the expenses.  Recently, we explored some critical differences between […]

How does pet insurance work?

Pet insurance is a type of insurance policy that helps pet parents save on unexpected and often expensive veterinary care, such as surgeries, medications, and diagnostic tests.  In 1988, just over half (56%) of American households had pets. Today, thanks partly to the recent pandemic, 70% of American families — over 90 million homes — […]