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Homeowner’s insurance and moves

You may already know the details of how homeowner’s insurance applies to your current home, but do you know how it applies as you’re moving to a new home? It’s smart to learn about this before thinking of purchasing any sort of moving insurance. You want to make sure that you still receive coverage during your moving process.

 

Moving Insurance Deductibles

If you still need to pay 1000$ for any potential losses or damages before your insurance, you will still likely need to during your move. The deductible might be raised through – so make sure to ask how much your insurance covers while your stuff is in the moving truck, as well as when it’s being moved into your new home.

 

Limits of Insurance

Find out whether your insurance plan has any maximum possession limits, or if it has less coverage when the item is outside of the home. You might have already purchased extra insurance for valuable items, but even with these separate plans, you need to be certain of what sort of damages it protects you from.

 

Moving Breakages, Damages, & Theft

If your items are stolen from a moving truck, or the truck get into an accident – yours, as well as the moving company’s insurance should be able to fully cover it. However, your insurance will probably not cover any damage that happens during the move like drops, rips, and tears. You can get supplemental insurance for particular valuable items if you really want to protect them, or you can decide to purchase moving insurance – which can be worth it to protect the items not covered by your homeowner’s insurance.

 

Changing Premiums

Your premiums might change based on lots of criteria like if you’re crossing state lines or if you are moving to a much smaller or larger home. Make sure to talk to your insurance agent to figure out if any of these changes will happen, and how they might affect your insurance coverage during the moving process.

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Avoiding Homeowner Mishaps

Avoiding Homeowner Mishaps

With Summer’s beautiful warm days, long nights, beach trips, picnics, barbecues, and vacations, it exemplifies the season of leisure and enjoyment. Even though summer is a time for relaxation and fun, it’s important for all homeowner’s to have awareness of the seasonal risks that could end up resulting in financial debt. In this blog entry, we’ll cover some of the homeowner risks that are associated with summer, that can help you avoid any inconveniences.

Don’t be the target of burglars

It’s lovely to keep your windows open during the Summer to let a cool breeze float through your home. However, open windows and doors can be a temptation for patrolling burglars, and can result in criminal theft. Since homes are usually targeted when homeowners are not there, theft is definitely possible when people are home – but the windows and doors are left open. Since windows are often left open in the summer (or even unlocked,) homeowner’s can put themselves at risk for burglary. If you leave any of your windows or doors open, make sure that you keep any expensive items like jewelry or electronics far out of sight.

 

Get your home vacation ready

If you’re leaving home for a long amount of time, make sure to turn off plumbing valves on the washing machine, make sure that any pumps have fresh backup batteries, and that any expensive electronics are on electrical-surge protectors just in case that there’s a lightning storm, or any sort of flood or fire. It can also be helpful to have a friendly neighbor or friend check the home once in awhile to make sure that everything is alright. Also, it can help to put your lights on a timer to give off the appearance that somebody is home.

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