If you have made any of the following changes since we last did an insurance review, please contact us immediately. They may impact your coverages.
- Have you done any major external or internal home improvements? Did you remodel your kitchen? Finish your basement? Add a garage, deck or sunroom? Do you h
ave plans to do any of these renovations this year? Please let us know so we can make the necessary adjustments to your policy.
- Have you added a swimming pool? You should consider increasing your liability coverage for potential accidents related to the pool.
- Did you add or upgrade an alarm system for your home? Alarm systems can earn you discounts on your premium.
- Did you purchase or inherit any expensive jewelry, antiques or artwork? There is limited coverage for these items. Especially valuable items should be scheduled on your homeowner policy.
- Did you start a home-based business? Again, the standard Homeowners policy may not provide the coverage you need for inventory or equipment.
- Did you pay off your mortgage or change lenders? We need to have correct information on file to facilitate claims.
Spring is a good time to do a yard inspection for any damage or hazards that resulted from the winter weather. Some things to take a look at include:
- Your deck to see if there are any weakened boards, railings or steps that should be repaired or replaced
- Your children’s swing set to see if there are rust spots on metal, splinters on wooden parts, or weakened supports
- Your gas grill’s hoses and connections to make sure these are safe to use
- Tree branches near your house to see if these are overhanging or damaged and should be removed
- Your fencing to see if it is intact and securely in the ground.
We want you to have a safe and enjoyable summer!
Are you aware that some insurance companies won’t cover your home if you have a trampoline, even one with guards around it? Many companies consider the risk of injury too great for them to accept the risk. If you have a trampoline and your insurance company doesn’t know about it, the company can refuse to pay the claim if you have an injury suit. Take the time to look at your policy to see if there’s a specific trampoline exclusion before you invest in a trampoline for your family.
You’ve probably seen the television ads for accident forgiveness, vanishing deductible, new car replacement, etc. Some of the ads make it sound like these are already part of the policy. They’re not. They’re what we call endorsements, which are added to your basic auto policy at an additional cost. You have to apply for these endorsements. In some cases, there are qualifications you must meet. But if you’re interested in finding out more about these “peace-of-mind” coverages, call or send us an email.
Some call identity theft “the crime of the 21st century.” According to the Federal Trade Commission (FTC), over 9 million Americans fall victim to identity fraud each year. Your best defense against these staggering statistics is to be proactive in monitoring your credit and debit card purchases and your credit score, and take immediate action.
A second line of defense is your home insurance policy. All companies provide some form of coverage against identity fraud. Limits can be as high as $25,000, depending on the company. Some offer the identity theft coverage as a low cost endorsement to your policy. If you are interested in this coverage, call or email us.