Blog

We’ve had more than one conversation this year with a homeowner who was shocked to learn their “replacement cost” policy wouldn’t cover rebuilding their home. Usually the gap isn’t in the policy type — it’s in the dwelling coverage limit not keeping pace with [...]

Flood insurance premiums have been a moving target since FEMA rolled out Risk Rating 2.0, and homeowners still ask us some version of the same question: is my flood zone letter still what determines my rate? It isn’t, and understanding why matters whether you’re [...]

Every Mount Pleasant homeowner who’s read their declarations page has hit the same confusing line: a named-storm or wind/hail deductible listed as a percentage instead of a dollar amount. It’s not a typo, and it’s not the same math as your regular deductible — [...]

Supplemental heat is not a novelty in Sussex County. It’s practical. Between the cost of propane and oil, the reality of winter power outages, and the fact that plenty of Newton-area homes sit on wooded lots with a free fuel supply, wood and [...]

Staten Island’s housing stock has been quietly modified for eighty years. A basement became an apartment for a mother-in-law. An attic became a bedroom. A rear extension went up over a long weekend in 1987. None of it appears on the Certificate of [...]

A private dock on a tidal creek is the reason many people buy in Mount Pleasant in the first place. It is also, from an insurance standpoint, one of the least protected structures you will ever own. Are docks covered by homeowners insurance [...]