Homeowners in Vermont generally aren’t required by state law to have homeowners insurance, but it’s a smart and wise move to keep a house insured. If you were to cancel the homeowners policy on your home, here’s what might happen.

It’s no secret that shopping around and comparing prices is one of the best ways to save on almost any product, from a new screwdriver to a new car. When purchasing homeowners insurance, it’s a little more difficult to accurately compare different companies’ offerings on your own than it is to evaluate different screwdrivers or, even, different cars. An independent insurance agent, however, can help you easily compare homeowners policies from every insurer serving Fayston, VT.

In-law apartments provide independence while maintaining a close proximity. In doing so, they sometimes blur the lines between immediate and extended family -- especially from an insurance perspective. If you have a home in New Haven, Vermont, and your parents live in an in-law apartment attached to your house, your homeowners insurance policy might provide coverage for them and their belongings.

After purchasing homeowners insurance from an insurer that serves Warren, VT, you’ll likely receive a copy of your homeowners policy. This is a packet of paperwork that details all of your policy’s terms, conditions, coverages, and limitations. Reading through this packet may be intimidating, but it’s important to understand the policy so that you know the extent of your homeowners protections. Here’s a guide to what you’ll likely find in your homeowners policy.

Whenever you’re making a big purchase, it’s important to shop around for the best value. Most people will look up prices on a television that costs a few hundred dollars before buying one, and some will even spend time researching prices when buying something small, like a book. If you’ll shop around when buying something that’s a few hundred dollars, then it only makes sense that you would shop around for the best value when getting a new homeowners insurance policy that can cost thousands per year. Thankfully, a independent insurance agent can help you compare homeowners policies in Moretown, Vermont in just minutes.

CD collections cost a lot to replace if they’re lost. Even a collection of 200 CDs, which is sizeable but not unusual, would cost $1,000 to replace if each CD were available at a store in Vergennes, Vermont for just $5.00. Because it can cost so much to replace CD collections, it’s important to make sure yours is properly insured no matter where it goes. Specifically, you should make sure your homeowners insurance policy provides coverage for your CDs when you leave them in your car.

Even though price isn’t necessarily indicative of beauty, many of the fine pieces of art that collectors purchase are worth a significant amount. In some cases, their value exceeds the standard coverage that most homeowners insurance policies afford. In order to make sure their collection is fully insured, therefore, art collectors in Montpelier, Vermont can’t just purchase any homeowners policy. Instead, they should talk with a knowledgeable insurance agent who can help them explore all their coverage options.

Homeowners insurance policies, like almost all insurance policies, typically have deductibles. A deductible is an amount that policyholders are expected to pay before an insurer will pay on a valid claim.. Even if you think you know, you should double-check your policy to see make sure you know precisely how much you’ll have to pay if something ever happens to your Barre, Vermont home and you have to file a claim.

Homeowners usually read over their homeowners insurance policy’s coverages, and they certainly all look at their policy’s premiums, when selecting a policy. Some homeowners, however, don’t bother to specifically check their policy’s claims window. Every homeowner in Northfield, Vermont should know what their homeowners policy’s claims window is.

For many families living in the Williamstown area, especially those with young children, bringing home a rescue pup or a dog is a big event. Everyone is excited about choosing a name and cannot wait to play with their new dog. Undoubtedly, no one is giving any thought to how the pup may affect homeowners insurance.

Homeowners insurance can provide protection against uncertainty and catastrophe, giving you a safety net to fall back on if the worst were to happen. Too many Bristol homeowners think that just because they have insurance, everything is automatically covered. The problem with this line of thinking is that if you do not update your policy to reflect certain events in your life, you may end up under-insured, which can be a big problem if you need to make a claim. These five life events are great times to think about updating your homeowner's policy, especially if you have physical assets that need to be covered.

Bradford residents are protected by their homeowners insurance policy in a number of different scenarios, mostly related to a damaged or destroyed home. While most events are covered, there are a few things that might happen which would not be covered under a basic homeowner's policy.