If you’re a small or medium-sized business owner, you’ve likely heard of a Business Owners Policy—commonly referred to as a BOP. But what exactly does it cover, and how can it help protect your business? At Ameriguard Insurance, we believe…
Builders Risk Insurance, also known as Course of Construction Insurance, is a specialized property insurance policy designed to protect buildings under construction. It covers structures, materials, and equipment on-site from risks such as: It typically does not cover liability, accidents…
Buying your first townhome is an exciting—but understanding how to protect it with the right insurance is just as important. Townhome insurance isn’t exactly like a standard homeowners policy or renters policy, and knowing what you’re responsible for is key.…
When a storm damages your roof, one of the first steps you’ll take is to file a claim with your home insurance company. Once your claim is filed and inspected, the insurance company will settle the claim based on the…
Homeowners insurance is designed to protect you from unexpected damages, but one area often misunderstood or overlooked is Water & Sewer Backup Coverage. In Minnesota and across the U.S., water backup is one of the most common — and costly…
Can a Car Insurance Company Deny a Claim If You Don’t Add Your Child to the Policy? If you’re a parent with a teenager at home who just got their driver’s license, you might wonder whether you really have to…
If you own a condo or townhome, you’ve likely heard about the HO6 insurance policy—also known as Condo Insurance or Townhome Insurance. This type of policy is different from a standard homeowner’s policy. It’s designed specifically for those who own…
If a hailstorm damages your roof or siding, your home insurance policy will typically cover the cost of repairs. However, many homeowners are surprised to learn that their insurance company won’t always pay the full replacement cost up front. This…
As winter fades and temperatures rise, homeowners face a new seasonal risk—melting snow. While the sight of snow disappearing is a welcome sign of spring, the water it leaves behind can cause serious damage to homes and properties. Many homeowners…
Car accidents can lead to more than just vehicle repairs and medical bills—they can also result in lawsuits. This is why we recommend carrying high liability limits on your car insurance. Large liability losses are the loss that you can’t…