My favorite blog, Lifehacker, recently had an article called "How to Hire a Contractor Without Getting Hosed". In the article, one of the recommendations was to check out the contractor's insurance. I cannot stress enough the importance of making sure anyone you hire has insurance.
Being a homeowner means juggling all kinds of costs. Electricty, water, maintenance. As an agent, we can't help you with your lawn care but we can help you with the cost of your home insurance.
Here's the scenario: You come home from work to find your front door open and a whole lot of things missing. You call the policy to file a report and then call your insurance agent to file a claim. The adjustor comes out to find out how the theft occurred and what they took. Here's where it gets tricky.