By: Ryan Reynolds, CLU® & Emmerson Reynolds So, you just got a refund check from your old insurance company, and your first thought is: “Sweet! Free money!” But wait—should you actually keep it? Or does it need to go back to your mortgage company? Before you cash that check and start planning a weekend getaway, […]
By: Ryan Reynolds, CLU® & Emmerson Reynolds Ever had someone ask if you want to bundle your home and auto insurance and thought: “What does that even mean—and why would I do that?” You’re not alone. Bundling might sound like a marketing gimmick, but it can actually be a smart financial move if it fits […]
By: Ryan Reynolds, CLU® & Emmerson Reynolds Are you thinking about going solar? Or maybe you’ve already installed solar panels on your roof and are wondering: Does home insurance cover solar panels if something goes wrong? The good news is: Yes, most homeowners insurance policies cover solar panels. But there are some important details and […]
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 […]
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 […]
