Blazing sun, sub-zero temperatures, or any extreme weather conditions can wreak havoc on your home, but seasonal maintenance can go a long way toward preventing catastrophe. The following are home maintenance checklists for winter, spring, summer, and fall. Winter Home Maintenance Vacuum HVAC registers to remove dust and debris. Flush out water heater to remove built-up sediment. Clean refrigerator coils. Check caulking around showers and...
Homeowners insurance is designed to cover damage to your property caused by certain covered events. It stands to reason that as you are paying your premiums, you should take advantage of available coverage. However, the reality is that it is not always advisable to file a homeowners insurance claim, as it can lead to higher premiums or even cancellation in some cases. Underwriters tend to...
Most people don't want to think about their homeowners insurance until they need it. Homeowners policies are lengthy, complicated, and written in legalese. Nevertheless, it could pay off to thoroughly understand your homeowners policy and know how it works. Our agency is happy to assist you with not only finding the right homeowners policy, but also with understanding what is in it. Basics of Homeowners...
Insurance policies are living documents. They can, and should be, changed periodically to accommodate changes in circumstances and needs of the policyholder. Our agency can assist you with an annual review of your insurance policies to help ensure you have the coverage you need without paying more than you need to. Reasons to Review Your Insurance Policies Annually Certain factors should be checked with your...
Homeowners insurance is not required by law like automobile liability insurance. However, it is required by mortgage companies to protect the lender's investment. Even if you were able to pay cash for your home, homeowners insurance is an important protection for what is likely your biggest asset. The following are some tips about homeowners insurance for first time home buyers. Get Renters Insurance to Help...
