Most mortgage companies will require you to purchase hazard insurance before approving you for a home loan. If you’re a new homeowner, you might be wondering what hazard insurance is and how it differs from a standard homeowners insurance policy. In this post, we’ll cover everything you need to know. Read more
Homeowners insurance protects your property from a variety of common risks and events. You will often see these incidents referred to as perils—a term that refers to an event that causes property damage or other losses.
Your homeowner’s insurance policy declares what perils you are and are not protected against—which are referred to as covered perils and exclusions, respectively. Understanding what counts as a covered peril under your insurance policy is essential, as it will help you better prepare yourself for the future in case you ever need to make a claim. Here’s a closer look at five types of perils commonly covered by homeowner’s insurance policies.
Owning rental properties comes with a variety of risks that can cause significant financial damages if you don’t have the right insurance. Landlord insurance helps property owners protect themselves and their properties against these risks and mitigate any financial damages that may be incurred after a covered incident.
At KSA Insurance, we work with landlords and property owners in South Carolina and across the southeastern United States to help them find affordable insurance properties that protect them against a variety of common risk factors.
To help you better understand how you can protect yourself as a property owner, here’s a closer look at what landlord insurance is, what it covers, and what your options are. Read more
Homeowner’s insurance policies typically include several coverages that are designed to protect your home and personal property from a variety of risks. Dwelling coverage, in particular, helps cover expenses related to rebuilding or repairing the physical structure of your home if it’s damaged by a covered event. To better understand your homeowner’s insurance policy, let’s take a closer look at what dwelling coverage is and what it covers.