Heavy thunderstorms can wreak havoc on a home. The following tips can help protect your property if you live in an area where storms frequently occur. Trim or Remove Trees Storms can snap off tree branches, which can damage your home or detached structures. Get your trees trimmed before the stormy season and cut down any trees that are unwanted. Unless you are confident you...
Homeowners insurance is not one-size-fits all. Policies can be custom-tailored to suit individual needs. However, the majority of homeowners insurance policies include coverage for other structures on the property to help repair or replace structures that have been damaged by a covered risk. What Is Homeowners Insurance? Homeowners insurance is a policy purchased by a homeowner and consisting of coverages to replace or repair the...
If you are considering purchasing a townhome or duplex, you may be wondering if coverage under a homeowners policy would be different than coverage for a single-family dwelling. Our knowledgeable agents will be happy to explain the coverage for each type of dwelling and help you find a policy that suits your needs at the best available rates. What Are Townhomes and Duplexes? Perhaps the...
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...
