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Insurance Expert Answers Top 3 Questions on Homeowners Insurance

    Insurance Expert Answers Top 3 Questions on Homeowners Insurance

    Insurance Expert Answers Top 3 Questions on Homeowners Insurance

    Our team here at Servicemaster was lucky enough to sit down with Carly Burnham from to discuss some questions following our previous blog: What Does Homeowners Insurance Cover?.


    Q: It’s tough to know exactly what is covered under homeowners insurance — what advice can you give those who live in particularly “catastrophic” areas (coastal states, wildfire areas, etc)?

    A: If you are in an area that is subject to frequent natural catastrophes, it’s particularly important to review your policy with your agent.  You will likely need to make sure that you understand covered perils and if special deductibles apply. Additionally, you will want to stay aware of the values that you have chosen for coverage; if you make updates to your home or buy special types of personal property, you’ll want to review your policy.

    Q: What kind of advice do you have for families who have dogs on the property?  Should they look into Animal Liability or are they covered by Personal Liability in the event the dog bites someone?

    A: Most homeowners or renters policies offer personal liability coverage that will apply if your dog bites someone, but it’s important to determine if there are any breed restrictions before assuming you’re covered. Even if there are breed restrictions, you may have options if you and your puppy go through classes.

    Q: For travelers, would you advise a thorough sit-down with their agent to know what kind of “away from the property” coverage they have?

    A: It’s definitely important to understand what “coverage territory” your policy applies in and if there are special implications to taking your property out of your home.  You’ll want to be certain you’re comfortable with your deductible, and if you use anything that you’re traveling with as a means to make money (like musical instruments or photography equipment), you may need special coverage.


    Carly Burnham is the co-author and manager of the site, She is currently the New Product Development Manager at Explore Data in Eagan, MN. Prior to this, she has worked as an underwriter at Travelers Insurance and Erie Insurance, in direct sales at Nationwide, and as an office manager for a Farmers Insurance agency.  She is involved in the CPCU Society Underwriting Interest Group and writes “Next Wave” a monthly column in the “Perspectives” section of Best’s Review.



    • Sam Simon

      Sam Simon is a very accomplished individual. He is gifted in the areas of creativity and operations - managing and directing restoration of large commercial losses to the every day residential water damage. He recently achieved the coveted title of Master Restorer by the IICRC (Institute of Inspection Cleaning and Restoration Certification) after countless hours of classroom training & education. Sam is knowledgeable on a vast range of disaster restoration topics from water damage/flooding, mold remediation to advanced drying, fire & smoke restoration, and specialty cleaning (carpet and upholstery). Given Sam's background in the television industry as a videographer and cameraman, he lends a creative flair to the company's strategy marketing planning efforts and is well regarded in the restoration industry.

      About ServiceMaster Restoration By Simons
      Restoration By Simons is an MBE/WBE certified firm and family-run company serving both Cook and Lake County, Illinois. Recently, the company was awarded a variety of honors, including the SB100 Best of Small Business Award Winner 2021, Bronze Stevie® Award in the Female Entrepreneur of the Year category in the 18th annual Stevie Awards for Women in Business, recipient of the 2020 Better Business Bureau's Torch Award for Marketplace Ethics, and the recipient of the 2020 Skokie Business of the Year Award, Honorable Mention Category. Restoration By Simons provides disaster restoration services including water and flood damage restoration, fire and smoke damage restoration, mold remediation, to residential and commercial customers in both Cook and Lake County IL.

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