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3 ways to reduce your homeowners insurance premium as costs rise in 2022

November 16, 2022

Homeowners may see an increase in their homeowners insurance premiums this year. In October 2021, S&P Global Market Intelligence reported a 3% to 30% rate hike in insurance premiums across major home insurance providers, with State Farm having the most significant rate increase. The report also found that Texas saw the most significant increase in homeowners insurance […]

Filed Under: American Heritage, Home Tagged With: homeowners insurance, inflation, labor costs, natural disaster, population, premium, Weather

Average homeowners insurance cost (updated for 2022 inflation)

November 9, 2022

The average cost of home insurance is around $158 a month or $1,899 per year in 2022. But how much you pay will vary based on where you live, how old your home is, and other factors. How much is homeowners insurance? The average cost of homeowners insurance in the U.S. is $158 a month or $1,899 per year, […]

Filed Under: American Heritage, Home Tagged With: Home Insurance, home insurance costs on the rise, home insurance rates, homeowners, inflation, rates

As climate change threatens more homes, some properties are getting too costly to insure

November 2, 2022

As climate change threatens the U.S. with more natural disasters, it’s becoming increasingly costly for Americans to insure their homes ⁠— and it’s only expected to get worse, according to experts. “These things are occurring more often, and they’re causing more damage,” said Jeremy Porter, chief research officer at First Street Foundation, a non-profit focused […]

Filed Under: American Heritage, Home Tagged With: climate change, flood risks, home insurance rates, inflation, property insurance, wildfire

Why Home and Auto Insurance Rates Are Rising in 2022

October 12, 2022

Why home and auto insurance rates are rising in 2022 Thanks to an unusual convergence of market trends, ushered in by the pandemic and other disruptive events, you may see a bigger change to the cost of your home and auto insurance than usual when it comes time to renew your policies this year. Insurance […]

Filed Under: American Heritage, Auto, Home Tagged With: Auto Insurance, higher rates, Home Insurance, rates, rising, supply chain

Home-Based Business Insurance Explained

July 27, 2022

With millions of Americans losing work this year, it’s not surprising that home-based business startups are gaining popularity. About one in five homeowners reported they had launched a home-based business in the last six months, according to a recent online poll conducted by The Harris Poll on behalf of The Hanover Insurance Group. While starting […]

Filed Under: American Heritage, Home, Small Business Tagged With: business insurance, home based business, home based business insurance, home business insurance, what does home business insurance cover

What Type of Insurance Does Your Home Business Need?

July 20, 2022

For many small business owners, working from home is a dream come true. However, this is a dream that comes with its own set of sometimes-unexpected problems and considerations. As an entrepreneur, some challenges – like needing to efficiently manage your own time and wear multiple hats – are probably already on your radar. What […]

Filed Under: American Heritage, Home, Small Business Tagged With: business at home, general liability insurance for my home business, home business insurance, what does home business insurance cover

Home-Based Business Insurance: Who Needs It?

July 13, 2022

If you own a home-based business or you’re thinking of starting one, you’re in good company. According to SBA statistics, Americans own about 28.8 million small businesses—and half of them are at-home businesses. The most common types of home-based businesses include information, construction, and professional service firms. But today’s entrepreneurs are getting creative, turning some serious […]

Filed Under: American Heritage, Home, Small Business Tagged With: home based business, home based business insurance, what does home business insurance cover

Does Your Home-Based Business Need Business Insurance?

July 6, 2022

If you’re one of the growing number of entrepreneurs with a home-based business, you may have pondered getting business insurance. But it’s not just a case of whether or not to get insured, but what kind of insurance to get. These days, many successful entrepreneurs and small business owners operate their businesses from the comfort […]

Filed Under: American Heritage, Home, Small Business Tagged With: business insurance, home based business insurance, home business insurance, in-home

Are Smart Homes a Smart Idea?

March 2, 2022

As technology is such an integral part of our daily lives, especially during the pandemic and its related restrictions and concerns, it’s no surprise that consumers are increasingly converting their homes into “smart homes.”  The $78.3 billion market is set to grow to $135.5 billion by 2025. Makes sense, given that more families have been staying at home for longer periods […]

Filed Under: American Heritage, Home Tagged With: home security, home technology, smart home, what is a smart home device

5 Work-From-Home Risks That Are Here To Stay

February 23, 2022

Businesses were exposed to new and expanded risks when employees abruptly began working from home last year. The most pressing risks – like IT security and remote accessibility – were quickly addressed. However, many of the mitigations put in place were designed to be temporary fixes rather than long-term solutions. And that could leave you […]

Filed Under: American Heritage, Home Tagged With: how to protect work from home employees from cyber attacks, remote work, remote work and cyber, Risks, small business cyber risks, work from home

Most Common Remote Work Security Risks in 2021

February 9, 2022

Remote work has become a highly popular and common practice around the world, especially now as companies allow a significant part of their employees to remain remote. However, while this practice increases flexibility, improves productivity, and enhances work-life balance, there’s a downside to it – remote work security risks. In this new remote-working landscape created […]

Filed Under: American Heritage, Home Tagged With: cyber safety, cyber security, cyber security and remote employees, remote employees, remote work, remote work and cyber, Safety

Homeowners Insurance Covers Theft, but specialty items like fine art may require additional coverage

December 29, 2021

Homeowners insurance protects your dwelling and personal property, and it offers liability coverage for injuries that happen on your property. If damage or theft occurs due to covered event (known as an insurance peril), homeowners insurance will cover the loss. If your possessions are stolen, you’re covered under homeowners insurance’s personal property coverage. If your […]

Filed Under: American Heritage, Home Tagged With: art and insurance, does home insurance cover damage to my home from a burglary, does homeowners insurance cover theft, how to file a claim if your belongings are stolen, jewelry and insurance, specialty items and insurance

What You Should Know When Buying a House in a Flood Zone

December 22, 2021

There’s a saying: where it can rain, it can flood. So for homebuyers, the question shouldn’t be, “can my house flood?” Rather, you should be asking, “what is the flood risk?” Naturally, flood risk is heightened if you get a house along the coast or near a large body of water (rivers and lakes), but […]

Filed Under: American Heritage, Home Tagged With: buying a house in a flood zone, flood zone, how do floods affect your insurance, is flood insurance worth it, what are the types of available flood insurance, what is a flood zone

Home Insurance Prices up Due to Building Material Costs

December 15, 2021

Home insurance prices are increasing in conjunction with build material costs according to a spokesperson for Greater Nashville Realtors. According to the group, insurance costs are up 25-percent. Supply chain limitations and increased demand for homes have driven material prices high. Insurance companies are adjusting their prices to match home building costs in the event […]

Filed Under: American Heritage, Home Tagged With: building costs affect on insurance, home insurance price increase, home insurance prices up, insurance and supply chain limitations

Homeowners Insurance: What to Know Before Selling Your House

December 8, 2021

moving truck

With the slew of tasks involved in selling a house, handling its homeowners insurance probably isn’t a the top of your to-do list — and might not even be on the list at all. But overlooking the insurance implications of a home sale risks leaving your property and possessions vulnerable. Consider the potential risks. The […]

Filed Under: American Heritage, Home Tagged With: are home showings covered by insurance, are open houses covered by insurance, do i need insurance to sell my house, is moving damage covered by insurance, what to know before selling your house, when should i cancel my homeowners insurance

Does Home Insurance Cover Fences?

December 1, 2021

fence

You bought home insurance to help cover the cost of repairs if your house gets damaged by life’s what-ifs. The good news is that your policy extends coverage well beyond the walls of your home, too. In many cases, that means that your home insurance will cover your fence. Still, though, you do not get […]

Filed Under: American Heritage, Home Tagged With: does home insurance cover fences, does home insurance cover termites, fences and insurance, how do you file a claim for fence damage, is wear and tear for fences covered under insurance, what happens if a car hits my fence, what kind of fence damage is covered by home insurance, what part of a home insurance policy might cover fence damage, will insurance cover repairs if a tree falls on my fence

Cyber Liability Coverage goes beyond identify theft insurance to cover hacking, cyber bullying, and more

November 10, 2021

As technology advances, it makes our lives easier. But there’s also a risk for homeowners as we integrate smart technology such as smart televisions and security systems into our homes. Not only does identity theft pose a risk, but you could also be on the hook for damages if you accidentally release a virus or […]

Filed Under: American Heritage, Cyber, Home Tagged With: cyber bullying, cyber liability coverage, hacking, how much does cyber liability coverage cost, how to file a claim if you're a cyber theft victim, how to file a claim if your identity is stolen, identity theft insurance

Does Renters Insurance Cover Bed Bugs?

September 8, 2021

Bed bugs are often associated with travel and hotel rooms, but your home is hardly a safe haven from the dreaded pests in fact, pest control professionals find bed bugs more often in single family homes, apartments and condominiums than in hotels and motels, according to the most recent Bugs Without Borders survey by the […]

Filed Under: American Heritage, Home Tagged With: are landlords responsible for bed bugs, bed bug endorsement, bed bugs, does renters insurance cover bed bugs, preventing bed bugs

5 Misconceptions about Home Insurance Vs. Specialized Jewelry Insurance

August 18, 2021

jewels

While most people count on the scope of their renters or homeowners insurance policy to cover their precious assets, they may find that coverage insufficient in the face of a potential loss. In most cases, the value of a single broad policy is outweighed by that of specialized jewelry insurance policies. Contrary to popular belief, […]

Filed Under: American Heritage, Home Tagged With: does homeowners insurance cover jewelry, does insurance cover the full value of my jewelry, jewelry, jewelry insurance, robberies and jewelry, specialized jewelry insurance

Does Homeowners Insurance Cover Treehouses?

August 11, 2021

treehouse

Because of the potential fun and entertainment value, if you have a large, healthy tree in your yard, a treehouse can seem like a tempting proposition. Before you start construction on your new treetop hangout, however, it is important to think through potential insurance ramifications to understand where you may be at risk. Specifically, you […]

Filed Under: American Heritage, Home Tagged With: does home owners insurance cover treehouses, how much does treehouse insurance cost, treehouse, treehouse injuries and insurance, treehouse insurance, treehouse liability

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