Homeowners insurance blog

Shannon Casey

Shannon Casey is an insurance expert and staff writer for HomeownersInsurance.com. She graduated from Hampshire College in Amherst, MA with a B.A. in Liberal Arts.

Articles from Shannon Casey

Pool Safety Tips To Stay Cool and Safe This Summer

Swimming pools have always been a favorite source of summer fun, whether you’re the type to splash around in the shallow end with a beach ball or spend hours lounging in a raft to cool off after work. They’re so popular, in fact, that residential in-ground and above-ground pools now number more than 4 million in the U.S (more…)

Wedding Insurance: Why You Should Insure the Best Day of Your Life

Most soon-to-be newlyweds can’t fathom needing wedding insurance. After all, folks won’t pledge to get hitched if they think something might go wrong. This is a common misconception. Wedding insurance, also known as special event insurance, protects lovebirds from far more than just cold feet. There are a variety of reasons a wedding might require coverage:

  • The bride and groom refuse to get married without their parents. Suddenly, the father of the bride has a heart attack and won’t be out of the hospital until after the wedding.
  • The groom suffers a concussion while surfing the night before his destination wedding.
  • The caterer’s fridge breaks and the shrimp appetizers go bad.
  • A hurricane hits the island where the reception is taking place.
  • The band is a no-show at the reception.
  • The church accidentally double-books for the weekend.
  • The boutique goes out of business before alterations are made to the bride’s dress.

A simple special event policy will only cost you around $125. Fancy weddings, with designer gowns and beachfront ceremonies, will obviously require more coverage. Deluxe policies will run a couple closer to $400. Given the thousands of dollars a couple could easily lose from a cancellation, $400 is a small price to pay for peace of mind. With special event insurance, a policyholder might even be able to get his or her deposits back.

Many venues require people to possess some liability insurance before booking. Liability coverage exists just in case Uncle Rick rips a curtain or Cousin Lucy knocks over an expensive vase. Extra riders are available as well. Riders are useful for protecting particularly large expenses, such as the bride’s dress, wedding gifts and honeymoon airfare.

Enjoy the moment instead of worrying about the cake melting in a faulty fridge. Call an agent today about wedding insurance.

Get an Insurance Agent to be Your Valentine

OK, so dating an insurance agent doesn’t have the cachet of a doctor or lawyer. At least he’s not an accountant or writer, always more interested in numbers and words than people. Think about the following qualities:

Thrifty

Your sweetheart is the perfect shopping buddy, at least for home and auto insurance. Agents know where to find all the best deals and discounts so you can get what you need without going over budget.

Remembers important dates

Your beau never forgets an important date. Your agent knows your birthday and how old you’ll be this year. Insurance professionals knows cute little details about you, too – like how old you were when you first got your driver’s license and what kind of dog you have.

Reliable

Forget dating a schmuck who drives under the influence. Insurance agents always wear their seatbelts and have their brakes checked regularly. Your honey will always make sure that home maintenance is a top priority, too. Exposed wires and loose shingles will get fixed ASAP.

Knows what to do in a crisis

Insurance professionals remain calm when there’s a problem. Your darling will know exactly what to do, whether your stereo has been stolen or a tree just fell through your roof.

Always available to talk

Agents work long hours. Call when you first wake up or after you get off work. And claims professionals are waiting to hear about your problems 24/7. How’s that for romantic?

Valentine’s Day is a day for love. That doesn’t mean it can’t be a day for saving, too. Combine the two by dating an agent.

What’s the Deal with Renters Insurance?

When it comes to insurance, most people think of home insurance or auto insurance. However, in reality, there are several dozen types of insurance policies. With everything from travel insurance to pet insurance, you can pretty much find coverage for anything – even your apartment. Insurance isn’t just for homeowners; those who are renting can get protection, too. Renters insurance, also known as an HO4 policy, is well worth the price tag.

Your landlord probably already has his or her own policy that covers your building. If the structure is damaged by a covered peril, such as wind, lightning or fire, your landlord’s insurer will help cover the repair costs. Unfortunately, damage to your belongings will not qualify for claim money. Your landlord’s policy only covers your dwelling and not the stuff inside.

If your furniture or other possessions are ruined in the mishap, you’re out of luck. It’s because of circumstances like these that carriers offer renters insurance. A renters policy will pick up where your landlord’s insurance left off: You’ll get coverage for your belongings, including clothes, electronics and furniture.

Your policy also comes with liability insurance. This kind of coverage will protect you if someone is hurt while on your property. For example, if someone trips over your Christmas tree or suffers an injury for which you’re held responsible, liability coverage will qualify you for help with legal costs and any damages you’re ordered to pay. How much help you’ll receive is dependent on your policy’s limits. Higher coverage limits will mean a more expensive premium, but you’ll know you’re covered if you experience a worst-case scenario.

There’s another problem you also could face. If your apartment or rental home is rendered uninhabitable because of the damage, you’ll be forced to find other accommodations while it’s being repaired – and you could still be responsible for rent.  But you can add loss of use coverage to your rental policy. That will help cover expenses such as hotel bills, restaurant charges and other living expenses while your place is being repaired. Be sure you understand the limits of this option, however.

Call a licensed agent today to learn more about renters insurance and the various types of coverage.