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Homeowner’s Insurance

What to Look for When Buying a Home – From an Insurance Perspective

Home safety, Homeowner's Insurance /

Buying a home—whether it’s your first starter, a forever nest, or a vacation escape—is thrilling and sometimes stressful. Along with choosing price, neighborhood, layout, and that dreamy front porch view, there’s a critical but often overlooked factor: homeowners insurance. Working with an independent insurance agency, like Spencer Insurance Agency, Inc., can help ensure you’re fully

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The Rising Cost of Insurance: Why Are Premiums Increasing and How to Save?

Homeowner's Insurance /

The cost of insurance has been on the rise across various industries, affecting homeowners, drivers, businesses, and individuals seeking health and life coverage. Many policyholders are noticing higher premiums when it comes time to renew their policies, leading to concerns about affordability and financial stability. Understanding why these increases are occurring and what can be

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Ensuring Your Home is Properly Covered for a Disaster

Home safety, Homeowner's Insurance, umbrella, umbrella policy, Valuable items /

How to avoid being underinsured For many people, their home is their greatest asset, so it is critical to avoid being underinsured. To properly insure your home, it is important to ask your insurance professional four key questions. 1. Do I have enough insurance to rebuild my home? Your policy needs to cover the cost

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4 Things Every Renter Needs to Know About Renters Insurance

Homeowner's Insurance /

Buying renters insurance to protect your stuff may seem like an unnecessary expense, until you experience a theft or fire in your rented home or apartment and lose some of your most treasured possessions forever. Whether you’re a longtime renter or starting out in your first place, renters insurance policies provide important benefits and coverage.

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Back-to-School Tips for College Students: Get Ready for a Successful Year!

Auto Insurance, Homeowner's Insurance /

As summer winds down, the excitement of heading back to college ramps up. Whether you’re a freshman or a returning student, preparing for the new academic year is crucial. Here are some essential back-to-school tips to help you start the semester on the right foot, including why getting the right insurance coverage is important. A

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How an Independent Insurance Agency Saves You Time & Money

Auto Insurance, Homeowner's Insurance, Life insurance, Long term care /

Are you looking for an agent that can save you time and money on your insurance? Look no further! As an independent insurance agency, Spencer Insurance Agency, Inc. is what you need. Our agents are knowledgeable and versatile.  The best part of working with an independent agency is that we offer various choices, which can help

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Does My Policy Cover Bed Bugs, Insects, or Termites?

Home safety, Homeowner's Insurance /

Homeowners often wonder if their home insurance policies provide coverage for infestations of pests like bed bugs, insects, or termites. Here, we’ll clarify what types of infestations are typically covered by home insurance policies. Termites: Bed Bugs: Insects and Pests: Exceptions and Endorsements: Preventative Measures: Homeowners are generally responsible for addressing and preventing pest infestations

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Seven Absolutely Essential Summer Pool Safety Tips

Home safety, Homeowner's Insurance, umbrella, umbrella policy, water safety /

When you add a pool to your home, the goal is most likely to bring more relaxation to your environment. But without the proper precautions, not only can accidents happen, you can set yourself back thousands of dollars or more in insurance claims. That makes proper pool safety the key to the actual enjoyment of

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