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From category archives: Value Plus Insurance Blog

Homeowners Insurance

Is it Time to Update Your Homeowners Insurance Policy?

As a homeowner, you understand that keeping your family’s home insurance policy updated is more than just a matter of keeping up with your mortgage obligation. It’s also a key part of protecting those who live in your home as well as your investment in your future. Your homeowners insurance policy helps provide you with peace of mind to know that if anything should happen unexpectedly to your home, your family will be okay. The last thing you want to do is not have the coverage you need because you overlooked a change that needed to be made in your policy.

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A Room by Room Guide to Renter’s Insurance

There are plenty of great reasons to rent rather than buy a home. Renting offers much greater flexibility than homeownership. You can easily decide to move without being tied down to a mortgage and sucked into the lengthy home selling process.

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How Homeowners Insurance Protects You After a Fire

If you’re a homeowner, you take comfort in knowing your homeowner’s insurance will protect you if the unexpected should occur. Your home is your biggest asset, and if a fire causes damage to your home, you need to know that asset will be safe. At Value Plus Insurance, we go above and beyond to make sure your home is protected in case of a fire. We’ve put together this helpful guide to help you understand how homeowners insurance protects you after a fire.

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What Does Renters Insurance Cover?

We should expect the best but prepare for the worst, or so the saying warns. Too often, renters go unprotected against emergencies. Homeowners need insurance to protect their homes, but as renters, it can be easy to forget you still have belongings that need protection.

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Revising Your Renter's Insurance Annually: What Should You Check?

Every year, it's a good idea to revise all of your insurance policies. Get new quotes on your auto insurance; make sure you have enough health insurance... but what about your renter's insurance? Most people just let their renter's insurance auto renew, but there are a few reasons you might want to consider taking a second glance at your policy.

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Have You Outgrown Your Homeowners Insurance?

While there are logical reasons many homeowners don't give much thought to their homeowners insurance policies (until they need it, of course) it can lead to you outgrowing, and even over-paying for your home insurance. So that leads us to a question you may be asking yourself, why is homeowner's insurance so often ignored? Well, we have some answers for you.

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5 Reasons You Need Renters Insurance

If you’re renting an apartment or home and a fire or other disaster damages your rental or personal property, you’re correct in assuming that the landlord has enough insurance to cover his losses. But that policy only takes care of what he owns, such as the structure or his furniture, if the place is rented furnished. It does not cover any of your possessions. So to protect yourself, you’re going to need renters insurance. Here are some additional reasons to sign up for this policy.

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Why You Need to Have Renters Insurance

Renters insurance is often optional and unless your landlord requires it, you might not even know that it's something you should have. But renters insurance protects you in a lot of ways, many of which you might to realize until too late. Here are just a few situations in which renters insurance can become critical:

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Why Renters, Including Students, Need Renters Insurance

Why Renters, Including Students, Need Renters Insurance

People in Burnsville, MN and the surrounding Minneapolis/St. Paul MN area choose to rent for a variety of reasons. For some, there are economic reasons. Some may be employed in the area on a temporary assignment. Others may be downsizing as retirement nears and still, others may be students or those just starting out in their careers. These are all situations where acquiring renters insurance would be a smart thing to do.

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Does Home Insurance Cover Crowdsourced Rentals?

To you, big events like the St. Paul Winter Carnival, the Irish Fair, the Minneapolis Aquatennial, and the Pride Festival are not just fun celebrations. They're a chance for you to make some money by renting out your place through crowdsourced rental sites. While it's all well and good that your home can provide some extra cash, you need to think about how home insurance covers you in case you're paying guest damages a room or is injured while on your property.

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