HB Insurance

09/02/2026

Tips Wednesday: Try the 5-Minute Home Inventory!

If you had to list everything you own after a fire, theft, or other loss, how much would you actually remember?

You don't necessarily need a complicated spreadsheet to get started. Grab your phone, hit record, and spend five minutes walking through your home. Open closets and cabinets and capture your furniture, electronics, appliances, tools, valuables, and other belongings.

For higher-value items, take a few extra seconds to record model or serial numbers when they're available.

Most importantly, back it up! Save the video somewhere you could still access it if your phone or home were damaged.

Five minutes now could make documenting your belongings much easier if you ever need them later.

For specific questions about documenting property for a claim, contact your insurance carrier or agent.

09/01/2026

“Why is my house insured for more than I even paid for it?” 🏠

It’s a question we hear often, and there’s an important reason those two numbers may not match.

The price you paid for your home reflects its market value, while your homeowners insurance is generally concerned with the estimated cost to rebuild it after a covered loss.

In this week’s blog, we break down the difference between market value and replacement cost, why rebuilding can cost more than you might expect, and what that number on your homeowners policy actually means.

Read more below! 👇

You bought your home for $300,000, but when you look at your homeowner's insurance policy, you see that the dwelling is insured for $375,000.Naturally, your first question might be: Why am I insuring my house for more than it's worth?The answer comes down to an important difference between what your...

08/28/2026

We’ve almost put all the clues together…. 😂

08/27/2026

The answer is... HONEY!

Properly stored honey has an incredibly long shelf life and can remain edible for thousands of years.

Honey naturally contains very little moisture and has an acidic environment, which makes it difficult for many microorganisms to grow. Archaeologists have even discovered ancient honey that was still preserved!

🐝 Pretty impressive for something made by bees.

Did you get this week's trivia right, or did another answer fool you? 👇

08/24/2026

Myth Busting Monday

MYTH: Homeowners insurance pays to fix every water leak.

FACT: Not necessarily!

When it comes to water damage, how the water got there matters. A sudden and accidental plumbing failure may result in covered damage, while a slow leak, ongoing maintenance issue, or normal wear and tear may be treated very differently.

It's also important to remember that there can be a difference between coverage for the damage caused by the water and coverage for the pipe, appliance, or other item that actually failed.

And water entering your home from outside, such as flooding, is another category altogether and typically isn't covered by a standard homeowners policy.

💦 Water claims can get complicated quickly. If you notice a leak, address it as soon as possible and give your insurance agent a call if you're unsure how your coverage may apply.

08/21/2026

We know what we’re talking about…. 😂🙄

08/20/2026

The answer is... Michigan!

In 1911, Michigan became home to one of the earliest documented painted center lines on a U.S. roadway. The idea was simple: give drivers a clear visual guide to help keep traffic on the correct side of the road.

Something we barely think twice about today was once a brand-new idea! 🛣️

Did you get this one right, or did another state get your vote?