April 25, 2025
ML RubertonWhat Is Other Structures Coverage for Homeowners?
Your home is made up of more than just the structural elements of your house. While your primary residence may be the most valuable part of your lot, you also may need to account for other property when considering insurance. Homeowners insurance typically goes beyond its name’s implications by offering coverage for additional buildings and […]
March 14, 2025
ML RubertonHow Your Roof Impacts Your Roof-related Claims Coverage
Your roof is more than just a protective barrier against the elements; it can also be crucial in determining your home insurance coverage. The age, condition, materials and roof design can influence how insurance companies assess risk and decide on roof-related claims coverage. Understanding these factors can help you maintain your roof effectively and ensure […]
January 31, 2025
ML RubertonCommon Property Insurance Claims During Winter
Winter can be a challenging season for property owners, often leading to a spike in insurance claims. Understanding the most common types of claims can help homeowners and businesses prepare and potentially prevent costly damages. At the , we’re pleased to offer guidance on this critical subject and stand ready to assist with your coverage […]
December 23, 2024
ML RubertonShould You Get Insurance for a Gift on Presents?
When it comes to giving gifts, the thought and effort you put into choosing the perfect item can be significant. Whether it’s a piece of jewelry, an electronic gadget or a rare collectible, these gifts often carry both sentimental and monetary value. How to Get Insurance for a Gift Gifts, especially those of high value, […]
November 25, 2024
ML RubertonHow to Change Your Mortgage-paid Homeowners Insurance
Having the right homeowners insurance is a critical element of responsible homeownership. However, over the years, the best available coverage options may change, often well before your mortgage has been paid off. Fortunately, changing your homeowners insurance when it’s paid through your mortgage, such as via an escrow account, can be a relatively straightforward process. […]
October 21, 2024
ML RubertonWhen to Call Your Insurance Agent
In today’s digital age, many tasks are completed online, but some matters still benefit from a personal touch. Insurance is one of those areas where speaking directly with an experienced local agent can make a significant difference. The Value of Personal Interaction While online tools are convenient, discussing your insurance needs with a knowledgeable agent—especially […]
September 24, 2024
ML RubertonImportance of Full Disclosure for Proper Coverage in Homeowners Insurance
Full disclosure is essential for ensuring you have the homeowners insurance coverage you need. Being upfront and honest about all material facts related to your home can significantly impact your coverage and financial protection. Here’s why full disclosure is crucial and how it can affect your insurance policy. Accurate Homeowners Insurance Coverage Assessment By fully […]
August 21, 2024
ML RubertonUnderstanding Insurance Exclusions
Insurance exclusions are specific situations or risks that an insurance policy intentionally does not cover. While insurance can generally provide financial protection and peace of mind, it’s essential to recognize that not everything falls under the various umbrellas of all policies. Exclusions are carefully outlined in your policy documentation and serve to define the boundaries […]
July 30, 2024
ML RubertonHow to Save Money on Insurance—the Right Way
Too often, people try to cut their insurance costs by dropping coverage. While this may seem like an obvious solution, it can end up costing you more in the event of a claim. The following are some tips to help maintain your financial security following a covered incident. Raise Your Deductible Instead of reducing insurance […]
June 27, 2024
ML Ruberton12 Questions You Should Ask Your Insurance Agent
Navigating the world of insurance can feel like deciphering a complex puzzle. The right questions can unlock valuable insights if you’re financially safeguarding your home, car or loved ones. From deductibles to liability coverage, it’s essential to understand the intricacies of insurance to empower you to make informed decisions. 12 Questions to Ask Your Insurance […]