Preparing Your Home For Vacation

Summer is here and that means vacations are on the horizon! Whether you are going to a family beach trip or seeking thrills at your favorite amusement park, you don’t want your fun ruined by thoughts of what is going on at home. Give yourself some peace of mind by protecting your home from theft and damage while you are away. Here are some tips to help you prepare your home for your vacation: Appear Lived In. An empty house is an open invitation to intruders. Giving the appearance of activity in your [...]

2022-06-01T14:44:06+00:00June 26th, 2022|

Creating A Home Inventory

We’ve talked about why creating a home inventory catalog is important. Having a record of your possessions can help in the event of a claim or loss. Now, let’s discuss how exactly you go about creating a home inventory catalog… Step 1. Determine What Tool You Will Use. You could keep a simple written version, for example, check out this one from one of our carriers, or a digital format such as a spreadsheet or Google doc. There are even apps that will help you to create one, you can learn more about [...]

2022-04-26T17:33:18+00:00May 8th, 2022|

Flood Damage VS Water Damage

From flash floods to roof leaks, we’ve all heard the stories of someone who lost their home to water. The most commonly asked question we get in this case is what is flood damage vs water damage? Let’s dive in… no pun intended. Flood Damage Flood damage is defined by the National Flood Insurance Program as “A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties from: Overflow of inland or tidal waters Unusual and rapid accumulation or [...]

2022-04-26T17:37:39+00:00May 1st, 2022|

Other Benefits Of Renters Insurance

Renting is a great option when you aren’t quite ready yet to purchase a home or aren’t sure of where you want to settle down. It also has the added benefit of not having to pay property taxes or repair the property when something breaks. However, when renting, there are still some responsibilities and risks you as the renter may be responsible for. Having renters insurance may help mitigate the costs associated with some of those risks and responsibilities. Renters insurance is coverage for your personal property and personal liability. If a loss [...]

2022-03-04T16:50:24+00:00March 19th, 2022|

Smart Homes and Insurance

“Hey Alexa, can you turn on the lights and lock the doors?” “Hey Google, close the window blinds.” “Hey Siri, change the channel.” From voice-activated hubs to doorbells and locks you control with an app on your phone, the idea of a smart home has become reality. More homes are converting to smart technology lightbulbs, blinds, plugs, and everything you can think of. This evolution has brought about a lot of convenience to our lives, but it also brings a ton of questions… One of the biggest questions we hear from our clients [...]

2022-01-31T16:55:16+00:00February 6th, 2022|

Insurance Needs for New Graduates

Congratulations! Graduating from college is a huge accomplishment. The next few months are going to be filled with so many firsts, from your first career job to a new apartment or vehicle, life is sure to be full of changes. As you transition from college student to full-fledged adulthood, you want to make sure to not overlook one of the most important firsts. Insurance. Insurance may not be as exciting as buying your first new car or starting your dream job, but it is an important “first”. Having insurance can help set you [...]

2021-07-27T14:03:05+00:00May 30th, 2021|

Home Renovations? Update Your Insurance.

Spring is here and for many that means home renovations! From adding a pool to remodeling the kitchen, many are looking to refresh and renew their home by doing some updates, but you may want to take a moment to consult your insurance agent. Homeowners insurance is dependent on factors such as a home’s size, condition, and the cost to rebuild in the event of a loss. What if those factors change? Home renovations such as adding a deck, or a family room addition can alter the amount of coverage you need. Any [...]

2021-07-27T14:27:39+00:00April 26th, 2021|

New Year, Same Policy?

Last year showed us that we never know what the future can hold, and we should be prepared for anything. As we ring in 2021, consider the things you care about most. What would happen to them if something unexpected were to occur? Would they be fully protected? This is a great time to review your insurance policies and see that everything is up to date and that you have all the coverages you need. Let's run through a quick insurance checklist to see if the basics are covered: Life Insurance Any changes [...]

2021-07-27T15:29:06+00:00January 3rd, 2021|

How Ordinance or Law Changes Effect Your Insurance!

Building codes constantly change and are regularly updated. Your home may have been in total compliance with the building codes just a few years ago, but now, it may no longer meet your community's current building codes. In fact, it is reasonable to assume that houses built more than 10 years ago likely do not comply with today's ordinances or laws. This is a problem because any lack of compliance, although unintentional and even unknown, could result in a major out-of-pocket expense following a major loss to your home. Your homeowners' policy provides [...]

2021-07-27T15:40:46+00:00December 6th, 2020|
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