We hear this question from clients so I thought some of you are probably not asking us this question but are thinking about it. So let me answer the question. There are many factors that will affect your homeowner’s insurance premium including making a claim and increases in replacement value coverage on your home. Weather […]
Why does my homeowner’s insurance premium increase every year? Read More »
I ask this question because many people think that the coverage is the same from one homeowner’s policy to another. Here is the problem. You give the coverage page of your current homeowner’s company to another agent who gives you a “comparable” quote. You assume the quote has the same coverage and the premium
Have you read your Homeowner’s Insurance Policy lately? Read More »
Bad things happen to the best of people; if you suffer a loss here are a few tips to navigate through this process and help you get on the road to recovery. Immediately Look out for the safety of your family. Do not enter your home unless you’re sure it’s safe. Depending on the type of
What to do after a property loss. Read More »
Time to remodel or expand the home? Have you called your insurance agent who insures your home? Yes, always contact your agent when you start a project. There are several reasons to contact your agent: You may need to increase your coverage to reflect the increase in replacement cost of your home. Remember, the majority of homes are
Starting that new home improvement project? Read More »
A: Yes, most of our clients are seeing rate increases on their Homeowner’s Insurance even when they have not made a claim. There are many reasons why this is happening. Let’s look at a few reasons: Due to the number of natural disasters that have occurred in the last few years there has been a
Q: Why are my Homeowner’s Insurance rates going up when I never filed a claim? Read More »
Spencer Insurance Agency, Inc., an independent insurance agency, provides life insurance, disability insurance, auto insurance, home insurance, business insurance, and umbrella coverage.
