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Floods can occur anytime and anywhere.  Here are three common flood insurance misconceptions, and the truths you should know to be better prepared.

Your homeowners insurance policy consists of coverages which may help in repairing or replacing your home and belongings should they be damaged by certain perils, such as a windstorm, fire, or theft. Each insurance policy is different, and it is imperative you understand what your policy covers in the event of a loss.

A typical homeowners policy from Edison Insurance Company provides coverage in the event an unexpected (sudden and accidental) loss occurs due to; fire, lightning, vandalism, theft, liability, and hurricanes. Damage suffered to the home due to poor, or lack of maintenance, is not covered by a homeowners insurance policy. Keeping up with yearly maintenance is the key to a safe and happy home.

Have you ever wondered what your home is worth? Nearly all homeowners know what they paid for their home, but this does not always translate to the amount it will cost to rebuild the home. The cost to rebuild is the true value of your home and will guide you when obtaining the proper coverage for your home.

Giving your home a little extra TLC can go a long way in keeping you and your family safe, saving a little money, and increasing your home’s value. Check out these simple projects you can do to show your home some love.

Did you know, tax identity theft is the most common form of identity theft reported to the Federal Trade Commission (FTC)? The issue has become so prevalent in recent years, the FTC has designated January 29- February 2, 2018, as Tax Identity Theft Awareness Week.