strong person wearing gloves and installing patio pavers in a circular pattern

Insurance and Your Spring Projects

smeinders@fcisinsurance.comHome, Personal Leave a Comment

Spring is almost here, and people all across Ashland, Wisconsin, are preparing to complete important projects in and around the home. To get ready for these projects, homeowners may attend home and garden shows, read magazines or visit local home improvement stores for inspiration. Although spring projects can increase the value of your home and make it a more enjoyable …

airbnb renter giving homeowner a handshake and receiving keys for the rental

Renting Your Home to Others

smeinders@fcisinsurance.comBusiness, Home, Personal Leave a Comment

Renting your home through a rental service like Airbnb or VRBO may be a way to make some extra money. However, it can also be a risky business. In fact, many insurance agents would warn their clients against using these rental services. However, if you decide to list your property on one of these services, you need to know whether insurance …

vacant home with wood flooring and open floor plan featuring kitchen with wooden cabinets and french doors

How to Insure a Vacant, Unoccupied, or Seasonal Home

smeinders@fcisinsurance.comHome, Personal Leave a Comment

Do you have a seasonal home, or are you planning on leaving your primary residence for an extended period of time? It’s wise to consider what these things might mean for your insurance status. Even though it’s not well-known, it’s a universal truth that insurance companies do not continue to insure homes that are left unoccupied or vacant. This is generally because …

two people in construction zone shaking hands, one is visible with orange hard hat, protective glasses and a plaid shirt opposite person dressed in orange shirt

Beware of Storm Chasers

smeinders@fcisinsurance.comHome, Personal Leave a Comment

The most important thing to do after a tornado or large thunderstorm event is to make sure your family is safe. Next, check for any immediate hazards and secure your home. Finally, make plans to assess and repair any damage. How to Recover After a Severe Storm Hits Your Neighborhood First thing’s first: If anyone is injured, contact medical assistance …

Home Insurance Comparison Shopping

smeinders@fcisinsurance.comHome, Personal Leave a Comment

Are you looking for home insurance? Don’t settle on a policy until you’ve done some home insurance comparison shopping. It can be hard to know whether you’re getting the best deal. If you only look at one option, no matter how good it is, you can’t be sure that it’s the best. That’s why it pays to shop around. Comparison shopping …

person in PPG using a chainsaw to cut up a fallen tree

My Neighbor’s Tree Fell on My Garden Shed – Whose Insurance Pays?

smeinders@fcisinsurance.comCar, Home, Personal Leave a Comment

Imagine you’ve been involved in a car accident. Insurance information gets exchanged and claims get filed, but how do insurance companies determine who pays for what? The simple answer is that it just depends on the circumstances. Liability Claims If you are involved in an accident, the other party may file a claim with your insurance asking for monetary assistance …

holiday table setting with christmas tree/lights in background and lit candles in foreground

Fire Safety During the Holidays

smeinders@fcisinsurance.comHome, Personal Leave a Comment

The time for the annual winter holidays is on our doorstep. With that comes a lot of good cheer, celebrations, and spending quality time with your loved ones. Unfortunately, according to the National Fire Protection Association, this time of the year also increases the risk of residential fires, injuries, and even deaths. Let’s take a closer look at why this …

bulldozer knocking down a house with a close up on pile of rubble and dust

Understanding Ordinance or Law Coverage

smeinders@fcisinsurance.comHome, Personal Leave a Comment

Ordinance or law coverage is a crucial aspect of insurance that individuals should consider to safeguard themselves from unexpected expenses related to building codes, regulations, and ordinances. In this article, we will explore the importance of ordinance or law coverage and its significance in protecting individuals. Understanding Ordinance or Law Coverage Ordinance or law coverage, also known as building ordinance …

person in reflective vest, with gloves on, holding nail gun and working on shingling a roof

Rising Home Repair Costs and How It Affects Your Insurance

smeinders@fcisinsurance.comHome, Personal Leave a Comment

Owning your own home can be a life-long dream for many people, but with ownership comes the responsibility to take care of it. A big problem many homeowners are dealing with right now is that fixing things in their homes is getting more expensive. And when repair costs increase, home insurance costs also increase in most cases. Common House Damages: Homes can …