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Sparks Insurance, Inc. Blog: homeowners insurance

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Frost heave occurs when ice forms underneath soil. As the frozen soil switches between freezing and thawing, it can cause the very foundation of your house to shift since frozen soil has about 10 percent more volume than dry soil. This can lead to serious structural damage to your foundation. READ MORE >>

A personal lines umbrella policy creates an extra layer of protection for you against very large claims when you may be financially liable for a loss or injury to someone else. A personal umbrella policy doesn’t cover everything, so it’s important to clarify with your agent what triggers your insurance. READ MORE >>

Mold is a toxic substance that can grow in homes quickly. It tends to be hard to see at first. However, cleanup can be difficult and expensive, even for small infestations. Sometimes, your home insurance can help you. In others, it cannot. Mold is dangerous to your family’s health. READ MORE >>

Has your hobby turned into a source of sales income? Important considerations regarding your homeowners insurance policy need to be made once you’ve decided to take the leap toward becoming your own boss through direct sales. READ MORE >>

Having the right coverage on your homeowners policy can make the difference between a paid claim and a major headache. Water damage is one of the most frequent claims in the country, and purchasing coverage for these losses is an important consideration in your insurance portfolio. READ MORE >>

There is nothing more romantic than a marriage proposal on Valentine’s Day but your first step after receiving a valuable engagement ring—well, maybe your second after saying yes!—should be a practical one: call your insurance professional. READ MORE >>

When you have an insurance claim, the last thing you want to discover is that you didn't buy the right coverage. While it's easy to point the finger at agents, coverage gaps could be a two-way street. Sometimes friends and family members offer bad advice, including tenuous, illogical and even illegal strategies, hoping to save you a few bucks. READ MORE >>

Despite the fact that not everyone loves American football — particularly in light of its recent politicization via the "Take a Knee" campaign — most everyone loves a party. That makes the ad hoc holiday known as Super Sunday a time for football fans and foes to come together to eat, drink and play armchair TV critic. READ MORE >>

Millions of people are bitten by dogs each year, which results in a lot of costly homeowners insurance claims. According to the Insurance Information Institute, in 2013 insurers across the country paid over $483 million in dog bite claims. Aside from emotional trauma, dog bites can cause severe physical injury. READ MORE >>

Ahh…the go-to, easy-to-use appliance in our kitchens—crock-pots. They put the question, “What’s for dinner?” to rest and give our homes and apartments the home-cooked meal smell. Here are some trusted tips to consider when using your crock-pot: Not everything is better with age READ MORE >>

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