Does Insurance Cover My Foundation?
Does Insurance Cover My Foundation? Is My Foundation Covered under my Homeowners Insurance? Wow, we’ve had a very hot and dry summer! A lot of people are asking, “Is my…
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Who’s Responsible if a Tree Falls on My House or Car?
Who’s Responsible if a Tree Falls on My House or Car? A Frequent Question With storm season coming up, we get asked this question quite often: “My neighbor’s tree fell…
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Who Does the Repairs After You Have Filed a Claim?
Who Does the Repairs After You Have Filed a Claim? Companies You Can Use There’s often a lot of confusion on how to get your house or car repaired in…
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Does Having a Pool Raise my Homeowners Insurance Rate?
Does Having a Pool Raise my Homeowners Insurance Rate? Swimming Pools and Insurance Rates The Question About Insurance Rates Here’s another question we get asked a lot at Hanby –…
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What is a C.L.U.E.® Report?
What is a C.L.U.E.® Report? What It Does Insurance companies use reports to help determine your rates. One of the reports they use is called a C.L.U.E.® (Comprehensive Loss Underwriting…
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Is Termite Damage Covered?
Termite Damage Lately, I’ve been getting questions from people asking if their homeowner’s insurance covers damage caused by termites. That’s a tricky question. Typically, your homeowner’s insurance isn’t meant to…
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Rising Insurance Rates 2022
Rising Insurance Rates in 2022 Why home and auto insurance rates are rising in 2022. I hate to be the bearer of bad news, folks, but…along with everything else, insurance…
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Protecting Your Firearms
Protecting Your Firearms Coverage Limit for Firearms Most homeowner’s policies limit coverage for theft of firearms to $1,000. If you have a large gun and/or ammunition collection that you keep…
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Understanding Actual Cash Value (ACV)
Understanding Actual Cash Value (ACV) What is ACV? There’s a term in insurance that floats around quite often, and that is Actual Cash Value (ACV). This applies to many things.…
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Submitting a Home Insurance claim?
What is the process of submitting a homeowner’s insurance claim? Prevent Further Damage The very first thing you need to do is try to prevent further damage from happening to…
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