Entries by grimes

All Risk vs. Named Perils: Which Home Insurance Coverage Is Right for You?

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By: Ryan Reynolds, CLU® & Emmerson Reynolds When it comes to protecting your home, not all home insurance policies are created equal. If you’ve ever compared coverage options, you’ve probably seen the terms “Named Peril” and “All Risk” (sometimes called open peril). But what do these terms actually mean—and which type of coverage best fits […]

Cosmetic Damage Exclusion-Pro’s and Con’s.

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Should You Sign a Cosmetic Damage Exclusion on Your Homeowners Insurance? By: Emmerson Reynolds & Ryan Reynolds   Roof damage is one of the top concerns for homeowners, especially in areas prone to hail, wind, or other extreme weather. But what happens when your insurance policy includes something called a Cosmetic Damage Exclusion (CDE)? Is […]