Georgia Buzzard
What Does Hurricane Insurance Cover?
Hurricanes bring powerful winds, storm surges, and flooding that can cause severe damage to homes. Standard homeowners insurance often falls short in covering these risks. Learn what hurricane insurance covers, what it excludes, and why it’s essential for protecting your property and finances in storm-prone areas.
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Georgia Buzzard
How to Change Homeowners Insurance
If your current homeowners insurance no longer meets your needs, it may be time to switch. Learn the step-by-step process to change insurers, avoid coverage gaps, and secure a policy that fits your budget and lifestyle.
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Georgia Buzzard
Does Homeowners Insurance Automatically Renew?
Homeowners insurance offers critical protection for your biggest investment—your home. But as your policy’s expiration date approaches, one important question may come to mind: Does homeowners insurance automatically renew? The answer is usually yes, but there’s more to it than a simple yes or no. In this blog, we’ll explain how homeowners insurance renewal works, […]
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Gary A. Solar
Should Gun Owners Carry More Insurance?
Gun ownership comes with legal and financial responsibilities—yet most standard insurance policies fall short when it comes to full protection. This article explores whether gun owners should carry additional coverage, what typical policies include, and how supplemental insurance can help cover accidents, theft, or legal defense.
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Georgia Buzzard
How Climate Change Has Impacted Home Insurance Rates
Climate change is driving up home insurance rates as extreme weather events become more frequent and severe. Insurers are using new climate risk models, raising premiums, limiting coverage, and even exiting high-risk areas. Homeowners face higher deductibles, more exclusions, and reduced policy availability – especially in states like Florida and California. These shifts are also affecting home values and mortgage approvals. Even those outside high-risk zones may see rising costs due to industry-wide loss sharing.
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