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Home improvement projects are a great way to increase your home's value, improve functionality, and create a space that better fits your lifestyle. Whether you're building a deck, remodeling your kitchen, adding a pool, or finishing your basement, these upgrades can...
Your home is constantly changing, even if you don’t realize it. From renovations and appliance upgrades to added square footage or rising construction costs, your home’s value can shift over time. What many homeowners don’t realize is how home value affects insurance...
Your Guide to an End of Year Insurance Review As the holidays wrap up and a new year approaches, it is the perfect time for an end of year insurance review. Many homeowners do not realize how much can change in a year, and an end of year insurance review helps ensure...
Does Your Homeowners Insurance Policy Cover Mold Damage? Mold is one of those hidden home problems that can cause major headaches, not just for your house, but for your wallet, too. It often starts small, in damp or dark spaces, and can quickly spread if left...
Tornado Coverage Homeowners Insurance Tips In recent years, devastating tornadoes tore through Western Kentucky, leaving behind unprecedented destruction. Entire neighborhoods in towns like Mayfield, Dawson Springs, and even parts of Paducah were leveled. Families...
The Hibbs Guide to Homeowners Insurance Fire Coverage A house fire is one of the most stressful experiences a homeowner can face. Beyond the immediate danger, the aftermath can feel overwhelming. Knowing what to do in the hours and days following a fire can help you...
As summer fades and the first crisp breeze sweeps through Kentucky, homeowners know it’s time to prepare for cooler weather. A fall home maintenance checklist is more than a to‑do list—it’s your first line of defense against costly insurance claims. Preparing your...
The Fourth of July is a time for celebration, but it’s also a time to be mindful of safety. From grilling to fireworks, summer festivities can lead to accidents if precautions aren’t taken. Whether you're hosting a family barbecue or attending a community fireworks...
As the weather warms up and the days grow longer, many homeowners look forward to taking on springtime home improvement projects. Whether you’re renovating a kitchen, updating your landscaping, or adding a new deck, spring is the perfect time to enhance the...
As we transition into spring, many of us begin preparing our homes for the new season by taking on cleaning projects and organizing spaces. However, there's one key area that often gets overlooked—homeowners insurance. Spring weather can bring unpredictable risks,...