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R.V. Johnson Insurance Blog: homeowners

View the latest blog posts from R.V. Johnson Insurance.

A loss history report may not be something you know about as a property owner. However, it can be very insightful information about the claims made against your home in the past. If you are buying a home, you need this information. So, what is this report and how do you get it? What Does a Loss History Report Tell You? READ MORE >>

Pests damage homes. Most infestations occur without evidence. You do not know they are present. Rats, mice, and other types of pests can become a nuisance quickly. Once infestations become noticeable, they typically can be hard to get rid of. Will your home insurance help you? This really depends on the situation. READ MORE >>

In recent months the United States has experienced several catastrophic flooding events, not least from Hurricanes Harvey and Irma. Flooding is a potent and devastating force of nature. It can leave widespread damages to your home, property and personal items. READ MORE >>

A flood is not something any homeowner wants to face. Water damage can be some of the most potent a home can receive. If your home faces flood damages, you may also face significant financial losses. The standard home insurance policy typically doesn’t cover flood damages. READ MORE >>

If you recently inherited property, your first thought may not be to insure it. However, that may be one of the most important decisions you need to make. Often, a home insurance plan that you already have could provide the coverage. However, you may inherit something that is highly valuable, such as an art collection. READ MORE >>

Perhaps a storm came through your area and knocked a tree over, creating your fence to topple over. Perhaps a driver lost control of his or her car and hit your fence. In these situations, do you have financial protection in place for your losses? READ MORE >>

A smart home system could be one of the best investments you make in your home and your lifestyle. Not only can it make managing your home easier to do, but it can also help reduce your home insurance premium and overall loss risks. READ MORE >>

Home insurance transfers the risk of personal loss and liability from the homeowner to the insurance company. If you have a mortgage on your house, your lender will almost certainly require you to have the proper insurance. Even if you don't have a mortgage and own your home free-and-clear, it is still a wise decision to have your home insured. READ MORE >>

Many areas of the country experienced a tough winter. Significant snow and record cold temperatures have caused damage to roads, plants and homes. Now that spring is here and the snow has melted, many homeowners are assessing the winter damage. If you own a swing set, don't forget to give it a checkup this season as well. READ MORE >>

In Part 1 of this blog "Liability For a Swimming Pool", we described the duty of care owed to members of an association, their tenants and guests, and even to trespassers.  As a result, an association should take steps to minimize its liability for any death, injury or damage that occurs at a pool. READ MORE >>

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