Home Insurance Archives - Page 3 Of 6 - Otterstedt Insurance Agency

Before You Start a Remodeling Project Contact Your Insurance Agent

Written on March 17, 2021.

If you are among those who plan to remodel your home this year, it’s essential you have the right type and amount of insurance, both during your renovation and after, according to the Insurance Information Institute. So, it’s important you contact your insurance agent before...

What is Hazard Insurance?

Written on November 30, 2020.

When it’s time to purchase or refinance your home, you could have a lot to learn. You’ll come across various concepts and terms that might not be familiar to you, and in many cases, certain words will mean the same thing. A good example is the term “hazard insurance.” Because...

If a Neighbors Tree Falls onto Your Property, What is Covered By The Neighbor’s Insurance Policy?

Written on October 30, 2020.

Trees. They are beautiful in the spring and fall, provide valuable shade in the summer, and break the wind when winter’s worst blows bitter cold into your home. Tall trees with big branches offer perfect locations for tree houses, tire swings, and endless hours of summer fun for kids...

How Dash and Security Cameras Can Help Defend You in a Lawsuit

Written on June 26, 2020.

When it comes to personal injury or property damage lawsuits, video recordings may be used in many types of cases, such as vehicle accidents, home thefts, personal injuries, and more. Depending on the location of the video recording device, footage of the incident can go a long way toward...

How Much Homeowners Insurance Do I Need?

Written on February 25, 2020.

Homeowners insurance covers more than your home. It also includes things like your personal property and can offer protection for your savings. The types and amounts of homeowners insurance you need can vary based upon several factors. Keep these considerations in mind when choosing your...

Does Home Insurance Cover Damage From Frozen Pipes?

Written on January 16, 2020.

Frozen pipes can do a real number on your home. From a total flood to massive water damage, it’s all bad news. The only worse news that could come along would be the news that your insurance refuses to pay for the damage. While this isn’t always the case, there are certain circumstances...

Is Hurricane Damage Covered by Homeowners Insurance?

Written on August 29, 2019.

Damage from flying branches, falling trees, heavy rainfall, and flooding are some risks you face during a hurricane if you’re a homeowner. In fact, nine million homes face the risk of damage from a hurricane storm surge, according to the CoreLogic Storm Surge Report in 2018. ...

Home Insurance Claims Process

Written on July 19, 2019.

Whenever you experience a disaster or emergency in your home, it can feel like your world is crashing down around you. After all, your home is your safe harbor. And, at the time of a disaster or home emergency, it‘s in a state of disarray at that moment — leaving you feeling adrift in the...

What Information Do You Need to Get a Homeowners Insurance Quote?

Written on April 1, 2019.

Getting a homeowners insurance quote is usually pretty straightforward. There are, however, a few key details you’ll need to have on hand to get the right quote. Whether you’re purchasing your first home insurance policy or you’re just exploring your options, this is the information...

The Risks of Being Underinsured

Written on February 26, 2019.

You probably know by now how important it is to have insurance coverage. What you may not know, until you find yourself filing a claim, is that being underinsured on your home, auto, personal umbrella, renters, flood, or liability insurance protection can be really painful as well. In...