What’s the Difference and Which One Do You Need? When shopping for homeowners insurance, you’ll likely come across two very common policy types: the HO-3 and the HO-5. While both cover your home and belongings, they differ significantly in the…
Preventable Damage Can Mean a Denied Claim Winter weather brings specific risks, but the biggest insurance threat isn’t the snow itself—it’s homeowner negligence. Standard home insurance policies generally cover sudden and accidental damage from weather events. However, the insurance company…
As one of the area’s most trusted insurance brokers, one of the most common questions we hear from homeowners is: “Will my home need an inspection before my insurance policy is finalized? And most of the time, the answer will…
Who Needs It? If someone will suffer financially when you die, chances are you need life insurance because it provides cash to your family after your death. This cash, known as the death benefit, replaces your income and can help…
What is Hydrostatic Pressure? A higher water table causes hydrostatic pressure to be exerted underneath basement floors and against basement walls. Hydrostatic pressures forces water into your house through cracks in foundation walls, through openings caused by expansion and contraction…
What is qualified as ATV and UTV? First and foremost, it is important to understand what is defined as an all-terrain vehicle and utility vehicle, before getting ATV or UTV insurance. ATV is defined as: “any motorized vehicle manufactured and…
It does not matter if you have decades of experience or if you are a beginner boat operator, it is always useful to review safety rules and make sure your boat is well maintained. Below are some maintenance and safety…
Mathenia Insurance Group is excited to announce that we got another player on-board! We welcome AllState as our new partner! Having an extra carrier in our team means that now we can help out even more customers. More carriers…
In today’s world connectivity made most of the businesses different. It is easy to access and buy pretty much anything online, from vehicles to paper towels. Insurance policies are not an exception, and you can purchase the policy over the…
The 4th of July is one the biggest celebration in the United States of America. This day does not only celebrate the day when colonies claimed their independence from England, but it also celebrates patriotism and all the values that…