When considering home insurance, if you’ve checked the value of your home online, you may have seen several different numbers. One website says your home is worth $550,000. Another says $615,000. A recent sale down the street suggests it might be worth even more. With so much information available online, it’s easy to assume that… Read More »
Owning a vacation or second home is something many people work toward for years. Whether it’s a lake house, a coastal getaway, or a quiet place in the mountains, it’s meant to be a place to relax and enjoy. But when it comes to insuring a second home, it isn’t just another version of your… Read More »
When it comes to homeowners insurance, one of the most misunderstood concepts is the difference between Replacement Cost and Actual Cash Value. Unfortunately, many homeowners don’t realize the impact of that difference until they’re in the middle of a claim. At Boufford Insurance, we believe understanding your coverage before a loss happens is one of… Read More »
Home renovations are exciting. A new kitchen, a finished basement, or even converting space into a short-term rental can add comfort and value to your home. But what many homeowners don’t realize is this: Certain renovations can unintentionally impact — or even void — parts of your insurance coverage. At Boufford Insurance, we regularly help… Read More »
When most people think about homeowner’s insurance claims, they picture major disasters — a fire tearing through the house or a hurricane taking off the roof. While those events do happen, most claims actually come from more everyday issues. Knowing what the most common types of claims are — and what you can do to… Read More »
When it comes to insurance, there’s no shortage of choices. You can go online, call a 1-800 number, or talk to an agent who works for one specific company. But there’s another option—one that gives you more flexibility, more personal service, and usually a better fit for your needs: working with an independent insurance agent.… Read More »
What’s the Difference, and Why Does It Matter? When you own a home—whether it’s a stand-alone house or a condo—protecting it with the right insurance is essential. But not all home insurance policies are created equal. If you’ve been shopping around and come across something called an “HO-6 policy,” you might be wondering: What is… Read More »
No one wants to imagine something going wrong at home—whether it’s a burst pipe, a break-in, or a fire. But if the unexpected happens, knowing what to do and how to submit an insurance claim can make a stressful situation a little easier to manage. At Boufford Insurance, we believe the more you know before… Read More »
Imagine this: a fire, flood, or burglary happens, and suddenly, you’re faced with the task of recalling everything you own to file an insurance claim. Could you list every item, along with its value and purchase details, off the top of your head? That’s where a home inventory comes in. A home inventory is a… Read More »
Floods can happen anywhere, anytime—even if you don’t live near a river or lake. Whether it’s melting snow, heavy spring rains, or an overwhelmed drainage system, water damage can cost thousands to repair. And here’s the catch—home insurance doesn’t cover floods. That’s where flood insurance comes in. At Boufford Insurance, we help homeowners, renters, and… Read More »
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