​Whether it’s vintage guitars, comic books, sports memorabilia, or designer handbags—collecting is more than a hobby. It's a passion. And often, it's a serious investment.

But here’s a shocking fact: Most homeowners insurance policies don’t fully cover collectibles. And if you’re not properly insured, one fire, flood, or theft could mean thousands in lost value.

​With platforms like Etsy, Fiverr, and Instagram turning everyday hobbies into side hustles, many people don’t realize they may be underinsured for the business activities they’re running from home. This blog covers why traditional homeowners or renters insurance doesn’t cut it—and what coverage you actually need.

As spring approaches, many second-homeowners start prepping their cabins, lake houses, and desert escapes. But before you open the windows and air it all out, ask yourself: is your seasonal property properly insured? 🏡☀️
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Here’s what you need to know to protect your retreat before the season kicks off.

​When it comes to insurance, most people assume they’re covered… until they’re not. From flooding to home businesses, there are plenty of everyday risks that fall through the cracks of traditional policies.

Let’s break down 5 common things you might think are covered—but often aren’t.

​Thinking about renting your home on Airbnb or VRBO? Many homeowners don’t realize that standard home insurance doesn’t protect short-term rentals. That means if a guest damages your home or gets injured on your property, you could be personally liable—unless you have the right coverage.

Here’s why vacation rental insurance is a must for property owners.

Restoring a classic car isn’t just a hobby—it’s a labor of love. Whether you’ve spent years tracking down original parts or are mid-way through a frame-off restoration, protecting your investment is essential. But here’s the catch: standard auto insurance won’t cover your in-progress classic car the way you might think.

So, what do you need? Classic Car Restoration Insurance. 

​With remote work on the rise, many people are running businesses from home. But did you know your homeowner’s insurance likely won’t cover your work equipment, liability, or client interactions?

​Weddings are meant to be magical, but what happens when the unexpected strikes? From severe weather to vendor no-shows, wedding day disasters can and do happen. Enter wedding insurance—the safety net most couples don’t realize they need until it’s too late.

Have you joined the short-term rental boom? Whether you list your property on Airbnb, VRBO, or another platform, standard homeowner’s insurance may NOT cover the unique risks of vacation rentals. Protecting your income property is just as important as welcoming your next guest.

When you think of home insurance, you probably imagine protecting your roof, walls, and the valuables inside. But what about that stunning backyard oasis you’ve built? From luxury pools to outdoor kitchens and pergolas, your outdoor spaces deserve coverage too! 🌿