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Delta Insurance Advisors Blog

View the latest blog posts from Delta Insurance Advisors.

How Do ISO Fire Ratings Impact Homeowners Insurance Rates? Your area's ISO fire score is a rating that determines how well your local fire department can protect your community and home. Insurance companies use the score to help set home insurance rates, as a home that is less likely to be severely damaged or destroyed by fire is cheaper to insure. READ MORE >>

Home insurance cyber protection helps defend against attacks, cyber bullying The wonders of modern technology help us stay better connected to loved ones and the wider world. But these benefits also bring new risks. That’s why more Americans are turning to cyber protection insurance. READ MORE >>

Illinois Home Insurance Guide: by County Before you buy home insurance in Illinois, know which supplemental insurance you’ll need to fully protect your home.   The state of Illinois is home to 102 counties and about 3.5 million residential buildings. READ MORE >>

 What You Need to know about Drones and How Much Does Drone Insurance Cost? How Do I Get My Drone Insured? Depending on the kind of drone you have and how you use it, you may already have coverage for drone damage insurance and liability through your home insurance policy. READ MORE >>

From Pests to Pets: Does Your Insurance Cover Animal Damage? You might assume that your homeowners insurance would cover any and all animal damage. But, most insurance policies treat animal-related damage differently depending on factors specific to the incident. READ MORE >>

What's NOT Covered On a Standard Homeowners Insurance Policy?   The standard homeowners insurance policy, also known as an HO-3, covers your home for multiple perils, but there are some important exclusions. Knowing what's covered and what isn't can save you a lot of money and heartache down the line. READ MORE >>

8 Things That Can Get Your Homeowners Insurance Canceled When hail dents your siding or a tree falls on your roof, you’ll be glad you have homeowners insurance. However, companies aren’t required to provide you with coverage. READ MORE >>

How much is homeowners insurance? Whether you own a home already or you’re house-hunting, it’s wise to know average home insurance rates for your state so you can anticipate what your expense is when shopping your policy and creating a family budget. READ MORE >>

Surprising things your home insurance covers Many homeowners don’t understand what their home insurance policy covers and excludes.  Case in point: More than 30 percent of U.S. heads of household who have homeowners insurance mistakenly believe flood damage is covered by a standard ho... READ MORE >>

What to Know About Home Office Insurance? Do you operate a business from a home office? If so, does your business require furniture and equipment? If these items were destroyed by a fire, how much would it cost to replace them? Would your homeowners' policy cover this cost? READ MORE >>

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