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Fulton Agency Blog: home insurance

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There may be times when you need to leave your home unoccupied for weeks at a time. If you don't plan ahead, this can affect your home insurance. You may find that even if you've been paying your home insurance premium every month, you won't be covered should something go wrong. READ MORE >>

Imagine that a fire tears through your home one night. Your family is safe, but you are now facing the inability to live in your home. There's fire damage, but also damage from smoke and water. The fire department tells you the home is uninhabitable at this point. What do you do? READ MORE >>

Every kid loves the thought of having a big outdoor playset, swing set, or even a tree house. Many parents want to give these items to kids. They can fuel imagination and stimulate physical health. Yet, they also come with risks. These risks apply to your kids and your children's friends who use them. READ MORE >>

Maybe your family got a new furry friend at the beginning of the year. Or perhaps you're taking your pet to a new house when you move. Yes, your pet is a member of the family. However, your pet is also still an animal with wild tendencies. Even domesticated animals might cause damage in your home. READ MORE >>

Flooding and water damage can easily spread throughout a home. The inflow of water might cause structural damage, contamination and personal property loss to your home. Often, homeowners assume that their home insurance policy will cover flood damages. However, they may be in for a rude surprise. READ MORE >>

Every state has its high wind risks. Indeed, the risk for wind varies not just from state to state, but from town to town. Florida is no different. The Sunshine State faces unique risks when it comes to wind damage. Oceanic winds and the possibility for severe weather could drive up the risk for wind damage. READ MORE >>

There's a lot that you need to know when buying homeowners insurance, but don't let it overwhelm you. Once you learn the basics, you'll find great policies that meet your needs, no matter where you live in the future. Here are some simple "do's and don'ts" to help you get started. Dos READ MORE >>

"We have not had a hurricane in South Florida in a long time, so why are my insurance costs going up?" I get this question all the time. Insurance rates are not all about if we have a hurricane or not, although it plays a part in the rate calculations. Lately, we are seeing rapidly escalating home insurance rates. READ MORE >>

The short answer is yes! Let me tell you what happened to Jessie & Roberta. Jessie and Roberta had a minor pipe leak under their kitchen sink; the plumber they hired urged them to call a Public Adjuster (PA). I am sure the plumber didn't tell them he was paid a finder's fee in excess of $1000 for referring them. READ MORE >>

When storms roll through your area, they can cause a significant amount of damage to your home and surrounding structures. For example, a tree can be struck by lightning, fall to the ground and damage your fence in the process. When this happens, you likely have a great deal of loss to overcome, including the cleanup of the tree and the damage to your fence. READ MORE >>

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