4 Tips for Getting the Most Out of Homeowner's Insurance

Most people who own their own home have some sort of property insurance coverage. However, few really understand the value they are getting and how to maximize the benefits. Here are four tips to consider.

Tip #1: Make Sure You Have Enough Coverage

The easiest way to getting the most out of your homeowner's insurance is by making sure you have enough coverage. Talking with your agent every so often and reviewing your unique circumstances is an easy way to get this done.

If you've completed any recent renovations or additions to your home, it is important to let your agent know. This allows the company the chance to increase the replacement cost limit of your dwelling and help ensure you are totally covered in the event of a loss. In addition, if you own any special items (excess guns, jewelry or furs, collectibles, antiques) that are not included under the normal terms of your policy, it is important to bring this up so your agent can make sure you have the right coverage for your needs.

Tip #2: Think About the Area You Live In

Understanding the area you live in is another important factor. Most standard homeowner's insurance policies do not cover damage due to sinkhole, backup of sewer & drain, flooding or earthquakes. If you live in an area that is prone to any of these disasters, it is important to talk to your agent about additional coverage.

Tip #3: Take a Personal Property Inventory

Taking a personal property inventory is another way to get the most out of your home insurance coverage. In the event of a disaster, your insurance carrier can only help replace the items that they know actually exist.

By keeping a comprehensive list with photos and videos, providing them with this information becomes an easier task. Include as many details as possible about furniture, clothing, toys, decorative items, kitchenware, yard tools, electronics, etc. Store this documentation in a safe place, such as a safety deposit box, fireproof safe or an online cloud server.

Tip #4: Understand What Discounts Are Available

One great way to get the most out of your homeowner's insurance is by understanding what discounts are available. Most carriers offer price decreases for home that have a nearby fire hydrant, a newer roof or metal roof, or even a monitored security system. Furthermore, having a homeowner's policy with the same company that handles your auto insurance could help you save on both premiums.

Learn more about getting the most from your homeowner's insurance policy. Contact us today for a no-obligation review.











Halloween and Autumn Safety Tips

Autumn is a wonderful time of year and comes with colorful Fall Festivals and Halloween Celebrations. It's always good to take precautions in order make sure that all family members, including pets, enjoy a safe experience as well. The American Academy of Pediatrics provides some great advice to make Autumn time Safety time:

Costume Suggestions for Fall Parties and Trick or Treating

  • Plan costumes that are reflective and brightly colored. Be certain that shoes fit well and that costumes are short. Long costumes can cause tripping, entanglement or contact with flame.
  • When shopping for costumes, only consider materials that are flame-resistant.
  • Instead of a mask that can limit eyesight, consider a decorative hat or non-toxic face make-up.
  • Children and grownups should carry flashlights with fresh batteries when outside trick-or-treating.
  • Never use decorative contact lenses as part of a costume. These lenses can be dangerous and can cause infection.
  • Children should be taught to never trick-or-treat alone. Go in a group or with a parent.

 Safe Pumpkin Carving

  • Never allow young children to carve their own pumpkins. Instead, ask your child to draw the face on the pumpkin that the parents can carve. Or decorate your pumpkin using colorful paints, glue, and accessories.
  • Instead of putting a candle in your pumpkin, consider lighting your pumpkin with a glow stick or flashlight. If you prefer a candle, use a votive candle.
  • Candle-lit pumpkins should be placed on a sturdy surface away from curtains and other flammable materials. Don't leave a candle-lit pumpkin unattended.

Making Your House Safe for Visitors

  • When getting ready for visitors at your house, remove anything that a visitor could trip over in the dark. Make sure garden hoses, decorations, toys, and bikes are not in walkways or on porches.
  • Make sure bulbs in outside lights are working, and change any burnt out bulbs.
  • Restrain your pets so they are not tempted to follow visitors out of your yard. Restraining pets also provides safety for your visitors.
  • Sweep any wet leaves away from walkways, steps, and porches to prevent slipping and falling.

Monitor Your Kids' Treats

  • Though tampering is rare, inspect treats that come home from trick-or-treating or from holiday gatherings. Make sure nothing is spoiled, unwrapped, or looks suspicious in any way.
  • Don't let children have unlimited access to festive candy and treats. Teach them to eat sweets in moderation only, and save some candy for another day.
  • Keep candy, especially chocolate out of the reach of pets. Any type of candy is not good for pets, and chocolate can be lethal.


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