At Heinen Insurance we speak with a lot of new clients who have questions about the portion of their homeowner’s insurance policy called Coverage A. Coverage A refers to the part of a home policy that covers the physical building structure. It does not refer to insurance for the contents of the house or liability […]

With Halloween almost here, remember that you don’t have to be fearful of ghosts and monsters at your front door! You can protect your home from these ghouls and other burglars, intruders, and would-be criminals by installing a home security system. You already protect your family with smoke and carbon monoxide alarms, locks on your […]

If you own a home that is vacant or unoccupied, you may have trouble getting it insured. What’s more, you may not know that your home has already been considered vacant or unoccupied by your insurance company. And in this case, it may mean that your policy would be void during the period of inoccupancy, so if you […]