When people think of home insurance, they often assume it covers all types of damage—including floods. Unfortunately, that’s not the case. Flood damage is not covered by standard home insurance policies. That means if your home is damaged by rising…
If you own or manage a cell phone retail store, you have a business with specific needs. These stores often carry high-value inventory in small spaces, which makes them a target for theft and break-ins. A strong insurance policy can…
If you’re shopping for car insurance on your own—without using an agent—it’s important to know what to ask. This is where most people err in their car insurance buying journey. There is nothing wrong with shopping for your insurance online.…
As a contractor, you’ve likely been told you need to be “bonded” — but what does that really mean? In the construction and trades world, bonds are not the same as insurance, but they are just as important when it…
Yes—if you carry comprehensive coverage on your auto insurance policy, vandalism is typically covered. Comprehensive coverage protects your vehicle against non-collision-related events such as theft, fire, hail, animal damage, and vandalism. If you only carry liability insurance (which is required…
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…