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Your home may not be the same home you originally insured, and if your coverage hasn’t changed with it, you could face an expensive surprise after a claim. Maybe you finished your basement, remodeled your kitchen, added a shed, installed solar panels or started using part of your home for business. Changes like these can

Electrical systems power nearly every aspect of modern life, but when something goes wrong, the results can be devastating. An overloaded circuit, aging wiring, or faulty electrical equipment can quickly turn into a fire that threatens lives, homes, and businesses. Electrical malfunctions remain one of the leading causes of the most costly and destructive fires

Sending your child off to college is an exciting milestone—but it can also be an expensive one. By the time you’ve checked everything off the move-in list, your student may be taking thousands of dollars’ worth of belongings to campus, from laptops and bicycles to gaming systems, furniture, clothing, and textbooks. Some students will even

Imagine you’re hosting a backyard barbecue on a warm summer afternoon. Friends and neighbors are enjoying themselves when someone trips over a garden hose and falls. Or maybe it’s the middle of winter in New Hampshire or Vermont, and a visitor slips on an icy walkway while coming to your front door. Your first priority

Dogs are more than pets – they’re members of the family. Whether they’re greeting you at the door, joining you on walks, or curling up beside you on the couch, most dog owners never imagine their companion could seriously injure someone else. Yet dog bite incidents happen more often than many people realize. Nearly 1,000

A powerful nor’easter moves through New England overnight. By morning, your shingles are scattered across your yard, a tree limb has punched through the roof of your garage, and water is dripping into your attic. You’re already worried about the damage when the phone starts ringing. A truck pulls into your driveway, and a contractor

You’ve owned your home for years. It’s well maintained, maybe a little older, but everything works the way it should until something unexpected happens, like a fire or a major storm. You file a claim. An adjuster comes out. The repair process starts moving forward. Then the rebuild estimate comes in and you discover there’s

Most homeowners assume their insurance covers anything that goes wrong with their home. However, that’s not always the case when the problem is underground. If a water, sewer, or utility line on your property fails, the cost to repair it is typically your responsibility, and those repairs can get expensive quickly, especially when excavation and