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Island Wide Insurance Agency (formerly Stop Agency Inc.) Blog: homeowners insurance

View the latest blog posts from Island Wide Insurance Agency (formerly Stop Agency Inc.).

Are you aware that if you have Windstorm/Hurricane coverage on your homeowners policy, you may also have a separate Hurricane Deductible? Do you know how a Hurricane Deductible impacts your claim? Do you know when it applies to a claim? What is Hurricane Deductible? READ MORE >>

If you plan to buy a home near the coast, you might find quite a lot of choices with elevated floor plans. These homes might be built on raised platforms, supported by stilts. The structures are supported much the same as any home’s raised porch or balcony. However, they support the whole home. READ MORE >>

You’re going to make a significant investment when you buy your first house. Given that most homes these days cost six figures or more, the initial price is enough. Once you factor in the costs of simple upkeep over the house’s lifetime, you are looking at a hefty bill. READ MORE >>

Actual Cash Value vs. Replacement Cost Learn the distinction between 'Actual Cash Value' (ACV) and 'Replacement Cost' when it comes to homeowners insurance policies. The difference may surprise you!  The distinction between 'Actual Cash Value' (ACV) and 'Replacement Cost' is one of the most important concepts in homeowners insurance. READ MORE >>

Your fire extinguisher needs to be replaced when: The seal around the neck is weakened or broken down, allowing the compressed air to escape. This will lower the pressure in the fire extinguisher and cause it to malfunction. The chemical powder in your fire extinguisher settles on the bottom of and gets packed down. READ MORE >>

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