Homeowners Insurance

When reviewing your homeowners insurance policy, you may see two key terms: actual cash value and replacement cost. These affect how claims are paid. Understanding the difference can help you make informed decisions about your coverage. What is Actual Cash Value? Actual cash value (ACV) refers to the depreciated value of your property at the […]

Hosting a holiday party can be a joyous occasion, but it also comes with responsibilities, especially regarding insurance and legal liabilities in . The following are some key points to ensure your event is fun and safe. Understanding Social Host Liability In , social host liability refers to the legal responsibility of a person who […]