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Home pest control is extremely important. Pests cause billions of dollars worth of damage every year. It is also important to note that your homeowner insurance may not cover damage caused by pests. If homeowner insurance coverage does not pay for the damages, then you could be the one who is responsible for paying for it.

In some cases, insurance coverage does not help even if the pest infestation leads to a disaster. For example, if mice chew through an electrical wire and cause a home fire, then this still may not be covered by home insurance. The insurance company can deny your claim if they determine that you let the pest problem get out of control.

Pests are not only a nuisance that can cause serious damage, but they can also cause health problems. It is estimated that 500,000 people go to the emergency room each year due to a insect sting or bite. If a person is allergic to the insect, then serious complications can result. Many people are allergic to cockroaches, which are one of the most common pests. In fact, it is estimated that seven to eight percent of the population is allergic to cockroaches.

Furthermore, certain pests, such as mosquitoes, ticks, cockroaches and fleas, can transmit diseases. Millions of bacterial cells and pathogens can be found on the cockroach. Pest control can help you protect your health.

It is very important to seek professional help if you are dealing with a pest problem. You do not want to try to tackle this problem yourself. A professional pest control company can also help prevent pest infestations in the future. You can save yourself money and keep your home sanitary if you hire a professional home pest control company.

Check Out That Roof

November 6th, 2014 | Posted by Brenda Snow in Homeowners Insurance - (0 Comments)

Your home’s roof can provide your property with a number of benefits. For example, it keeps your property free from damage from exposure to the elements and pests that can be highly destructive. This protects its structural integrity. It also can promote energy efficiency with your HVAC system, keeping the climate-controlled air inside the home where you want it. These and other benefits of roofing, however, are impaired when the condition of the roof is not in great condition. Scheduling an inspection of your roof and rain gutters is important, and now is the ideal time to do so.

Your homeowner insurance may provide you with compensation or coverage for roofing repairs or replacements, and this may be coverage that goes into effect after a major storm or other issues. The last thing you want is for the damage to go undetected and for your homeowner insurance coverage not to provide you with the reimbursement that you actually need and are entitled to. After a major storm or in between extreme weather conditions that are common in summer and winter, you can schedule a roofing inspection to assess the damage. You can also learn more about if your homeowner insurance will cover the repair work or the replacement.

Keep in mind that your roof as well as your rain gutters are an integral part of your home’s exterior. While damage can impact the aesthetic look of your property, damage that is not repaired quickly can result in even more significant and costly damage. It is smart for homeowners to schedule a roofing inspection at least one time per year, and this is highly recommended after extreme weather conditions that can have harsh effects on a roof. You can request a roofing inspection today by contacting your roofing company for an appointment.

Homeowners understand the importance of having an effective homeowners’ insurance policy. This is a policy that may ease the financial burden that you may face if your property becomes damaged due to a fire or another natural weather event, if your property is burglarized or if any number of other misfortunes impact your home. Coverage can vary from policy to policy, but you generally will only be responsible for paying the deductible on your home insurance policy when you file an approved claim. The coverage may pay for repairs or replacements to your home as well personal belongings inside the home that are damaged.

However, many homeowners overlook the importance of insuring other items on their property that may also become damaged. For example, many homes have a workshop or storage building on-site. These structures may have cost several thousands of dollars or more to construct, and they may also be filled with personal items like lawn mowers, lawn equipment, workshop tools and other items. Just as the building and the items inside the home can become damaged, stolen or worse, the same holds true for the items in a workshop or storage shed.

With this in mind, it is important to review the terms of coverage for a home insurance policy. The most effective homeowners  insurance policy is one that fully covers all of your needs and that is affordable for your budget. Some policies may specifically state that only items inside the home are covered, and some may state that storage buildings are not included. However, you may be able to purchase optional or additional coverage to provide you with the extra protection you need from your policy. You may review your existing policy or contact an agent about coverage options for a new policy today to ensure that you have the coverage you need.

Many people choose to bundle their home, business and auto policies in order to conveniently pay one company to handle all of the insurance needs. In doing so, companies are able to save money since these companies offer savings for those who expand their policies in adding an additional car.

How much savings can combining insurance policies save someone?

The biggest area of potential savings lies in the home policy, which can produce savings above 30 percent. Multiple cars under an automobile insurance coverage plan can provide a discount of 10 percent or greater for couples and families. Combining all of these policies together can translate into thousands easily for the homeowner with multiple cars and business on just one policy.

Why combining home, business and auto policies work for business owners?

Companies know that homeowners have a range of insurance needs. Getting all of those home insurance coverage and other needs met requires offering competitive pricing for policyholders. Insurance companies cannot effectively do that without offering opportunities to bundle multiple policies. In offering multiple lines in a packaged manner, they are able to justify the steep discounts offered to their policyholders. Combining all of these policies together is advantageous for the insurance company in that they have more lines to work with to offer the competitive prices needed to keep their policyholders happy.

According to a study on Insurance Quotes, the average family was able to save and average of 15 percent just for bundling all of their coverage with one provider. States like Oklahoma and Iowa averaged savings above 20 percent in bundling while states like North Carolina and Rhode Island averaged savings of 11 and 12 percent, respectively. Many have chosen to ditch the multiple carriers in lieu of a single insurance provider to meet their home, auto and commercial insurance coverage needs. They have found it more convenient and have been able to save as a result.

 

If you rent a place, you may think that you don’t need to carry any insurance. This is not the case as you can lose a lot if you don’t have renter’s insurance. With this in mind, here are five reasons for having renter’s insurance.

Stuff

First and foremost, if you own a computer, smartphone and a few other items, you are already siting on some cash. If a person steals or breaks this, you are out of luck if you don’t have proper insurance. For this reason, you need to check out some policies.

Damage from your appliances to other houses

Think about it, if you do a load of laundry in your house and the machine leaks into the neighbor’s house, you are going to have to pay his or her repair bills, which will add up drastically.

Fire

If you are going to deal with a fire, you are going to spend a lot of money. Not only that, with a fire, it may not be in your building, and you are going to deal with problems. With smoke damage, you are out of luck if you don’t carry home insurance that covers all your items.

Liability

Now, if you have insurance coverage, you can also protect yourself against liability. This is a major reason to have insurance as one slip or fall by a guest can cost you and your loved one plenty of cash. Remember, you are responsible for your guests.

Extremely Cheap

Finally, if you are likely most people, you like to drive a hard bargain. For this reason, you need renter’s insurance as you won’t spend much money to get plenty of benefits.

If you rent a place, carry some extra insurance coverage. That way, if something bad happens, you are not going to lose thousands of dollars.

As most people know, summer wildfires can cause an overwhelming amount of destruction. Unfortunately, a prolonged dry spell dramatically increases the likelihood of your home being destroyed by an uncontrollable wildfire. Here are some important safety tips to keep in mind.

Always use fire-resistant materials

When your home is being constructed, make sure that fire-retardant materials are used. If your home was built using traditional materials, the entire exterior will need to be coated with flame retardants. The extra layer of protection will help your home to survive a blazing wildfire.

Obtain the necessary insurance coverage

Even if all of the proper precautions are taken, there is no guarantee that your home will not be damaged by a wildfire. Before choosing a homeowners insurance plan, be certain to inquire about wildfire protection. In the event that your residence is ravaged by a wildfire, the residential insurance plan will help to cover the damages.

Water the grass

Dry grass offers no defense against a fast-moving wildfire. This means that you will need to keep the lawn watered at all times.

Keep tree limbs away from the home

A good rule of thumb is to keep tree branches at least 10 feet away from the home. It is also advisable to avoid planting shrubs near the home. If possible, try to plant fire-resistant trees.

Keep fuel and propane tanks at least 30 feet away

All sources of fuel should be kept at least 30 feet away from the house. If you are using a propane grill, remember to avoid storing it close to your home.

Have an emergency plan

Wildfires can spread fast, so you need to already have an evaluation plan in place. Keep a reasonable amount of fuel in the car at all times.

 

If your home will be vacant or unoccupied, then you will need to get vacant home insurance. Vacant home insurance is a type of home insurance that is specifically designed for a vacant home. Vacant home insurance policies offer the same policies as a standard home insurance policy, such as dwelling coverage, liability coverage and personal property coverage. The policy may also include damages that are done to other structures, such as garages and fences.

A home is classified as being vacant if it has been unoccupied or vacant for 30 days. Below are three reasons that you should consider getting a vacant home insurance policy:

Your Standard Home Insurance Policy Will Probably Not Cover A Vacant Home

Many people think that they do not need a vacant home insurance policy because their home is covered by an existing home insurance policy. However, many insurance companies will either exclude or reduce certain coverages if the home has been vacant for more than 30 days.

Vacant Homes Are Often Burglarized

Burglars are much more likely to break into a home that no one is living in. If your home is broken into and you do not have vacant home insurance, then you could be the one who is responsible for replacing your belongings and paying for the damage.

You Could Be Sued

Vacant home insurance policies also include liability insurance. Liability insurance covers lawsuits that people may file against you after coming to your home. For example, someone comes to your home, trips on one of your steps and gets injured. You could still get sued, even though you are not at the home. A vacant home insurance policy could help you save thousands of dollars.

 

Homeowners must always stay prepared for a sudden disaster. A monstrous tornado or a blazing fire can cause major damage to your property. In order to protect your family, you need to take all of the necessary precautions. Here are some ways that you can prepare for a disaster.

Develop an Emergency Plan

Every household needs to develop an emergency plan. When trouble arises, immediate action must be taken. Aside from small children, every family member needs to know how to shut off the home’s power supply. In the event of a tornado, outline the safest areas in the home to take refuge. It is also a good idea to post a fire escape plan on the wall for everyone to see.

Insurance

Quality homeowners insurance is a very valuable commodity. If a disaster causes damage to your home, residential insurance coverage will help to finance the necessary repairs. When it comes to choosing an insurance policy, always consider the location of your home. For example, residents who live in coastal areas need to be certain that their insurance policy includes hurricane coverage.

Food and Water

Homeowners need to keep a supply of non-perishable foods on hand at all times. Natural disasters such as floods and snow storms can make traveling virtually impossible. A good rule of thumb is to store enough food and water to last for at least three weeks. If you or a family member has a chronic health condition, develop a habit of keeping an extra supply of the necessary medication.

Fire Safety

t some point, the batteries in a smoke detector will become weak. Replacing the batteries at the beginning of the year will ensure that the smoke detector stays ready. Although some fire extinguishers are different, most need to be shaken once a month.

If you own a condo then you have probably faced questions about whether or not your condo is covered with insurance. There is such a thing as condominium insurance and it is beneficial for those with condos to consider it. This type of insurance differs from renters insurance and homeowners insurance. Each policy varies in what is covered and you can choose to have additional coverage options added.

Why Purchase Condo Insurance?

It is important to purchase condo insurance because you need to know that your property is covered even when you are not there. Your association’s policy may not cover certain things and this will leave your condo vulnerable to damage.

What is Covered with Condo Insurance?

Condo insurance covers several different things that may occur to your property. Some of these things include:

  • Theft.
  • Wind damage.
  • Fire.
  • Floods from plumbing systems.

What Type of Coverage Can be Purchased?

There are different types of condo insurance policies available for purchase depending on your needs and the options of the insurance company.

Building property insurance covers your condo building itself and any additions that you have added to the condo.

Personal property coverage includes coverage for any items that are considered your personal property. This can be anything from electronics to clothes and furniture. These items may become damaged while you are living away from your condo and knowing that everything is covered relieves some stress off of your shoulders.

Personal liability can sometimes be added as part of your policy. This is important because the insurance company is responsible for covering you if someone tries to make a claim against you. This claim is typically in reference to property or personal damage and injury caused while a guest was at your condo.

Get Insurance for Your Condo Today

It is important to keep yourself covered and avoid the hassles that come with not being covered. Live away from your condo and know that it is protected should a flood or fire occur.

If you are renting a home or apartment from someone then you should consider getting renters insurance. This is an insurance policy that helps keep your belongings covered in the event something ever happens to them. Many renters assume they do not need any type of renters insurance, but in all reality, you do. As a customer, you will be able to choose your level of coverage, deductible, and then pay a monthly premium based on your choices.

What is Covered?

Depending on the type of plan you select, multiple things are covered. You will find protection from vandalism, theft, water damage from plumbing, fires, and other disasters. Typically, the insurance policy will not cover flooding from outside sources.

It is important to make sure you read over the policy and know what is covered and choose coverage carefully.

When choosing your insurance policy, consider how much you need to cover. There are different renters insurance policies that cover as little as $5,000 worth of belongings and others that cover as much as $100,000. To know how much coverage you need, consider all of your personal belongings and estimate how much each one is worth. Of course, be realistic and then once you have a number, base your coverage on that.

Sometimes your insurance company will require you to get things appraised. When they do, they will ask for proof of the appraisal to make sure they adequately cover the item.

How Much Does It Cost?

Insurance for renters has a low monthly premium for many of the policies. The amount you pay will depend on the coverage you need, the deductible amount, and where you live. Some policies start at just a few dollars a month and range upward from there.

Get Renters Insurance Today

Stop waiting around for something to happen and get renters insurance today. You will have the peace of mind knowing your belongings are protected. Should something ever happen, it is nice to know that you can rely on the insurance to replace your things instead of losing them all.

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