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homeownersinsuranceBuying that new home is an exciting time. You have a new neighborhood, schools and shopping areas to visit. Moving can be a bit scary, too. Here are tips for moving into a new home that many don’t think about.

Setting a budget

One of the best tips for moving into a new home is always set a moving budget. There are moving costs that many don’t consider. Of course, you have your closing expenses and will need to purchase homeowners insurance coverage, but there are other expenses.

Other expenses

If you use a moving company, you’ll need to budget for that. Moving companies rates can be high, and if not careful, you could go over your budget. Make sure to go over your insurance coverage with your agent to see what all is covered. You may have property covered but not contents. It’s best to get homeowners insurance coverage for contents and property.

You’ll have deposits for utilities to factor into your moving budget if you’re moving to a different area. If you’re in the same state, you can generally transfer power but not water. You’ll have expenses for moving your cable or satellite and home phone. In suburbs, there’ll be expenses for garbage pick-up. Depending on what type of school or daycare you need effects that expense.

Another cost is parking expense. Some cities require you to purchase yearly parking decals. Check with your local Chamber of Commerce to find out if this is applicable. If you’re thinking of taking public transportation, you’ll want to know the cost.

Overall

Moving costs can be expensive if you aren’t careful. From insurance coverage to moving companies, it adds up. Don’t get blindsided by expenses not expected. Create a budget and stick to it.

HurricaneYou built your home on the coast, and the weather is lovely. The gorgeous sunsets and breeze blowing in make living here dreamy. That dream can turn into a nightmare if you aren’t prepared for hurricane season. Below are tips about hurricane insurance.

Homeowners Insurance

Most people obtain homeowners insurance coverage and don’t worry about storms. They are certain that insurance will cover the damage. Do go over your policy and find out if it covers hurricane insurance. In most cases, it doesn’t. Flooding is typically not covered either. Don’t get caught in a disaster without homeowners insurance coverage for hurricanes.

Commercial Insurance

Do you know what your commercial insurance policy covers? You may be surprised to learn that it generally does not cover hurricane damage. Do purchase a policy with your insurance coverage for hurricanes. Hurricane season can be disastrous to business owners. Don’t let that happen to you.

Auto Insurance

Wind from a big hurricane just slammed your car into another car. You aren’t worried. Your auto insurance will take care of it, right? More than likely, the answer is wrong. Unless you have collision and comprehensive added to your auto policy, you may be out of luck. Do add these to your policy if you don’t already have them. Don’t find yourself up-the-creek without your car.

In General

Insurance coverage can be complicated to understand. You purchase it and think you’re covered. That simply isn’t the case where hurricanes are concerned. Do check your policy to see where you stand. Don’t get caught in the storm without your umbrella of coverage. Hurricane force doesn’t have to force you to lose out.

senior man riding an ATV quad by an colourful autumnal dayAvoid Injuries and Collisions by Understanding ATV Safety Tips

If you enjoy hunting from an all-terrain vehicle, then it is important to understand the recommended ATV safety tips. First, it is important to have the appropriate automobile insurance coverage that is required by the state where you live. In most cases, the insurance coverage that you buy from a local agent is enough to provide financial protection if an injury or property damage occurs, but it is an excellent idea to check the regulations in the area where you plan to hunt.

A List of Hunting Safety Tips

In addition to following routine hunting safety tips, you need to remember these specialized ATV safety tips while hunting. Here are a few hunting safety tips to avoid a collision or injury.

1: Learn How to Use Firearms Correctly

Enroll in a firearm safety class to refresh your rifle and gun maintenance skills. You will learn to treat all firearms as if the items are loaded in addition to keeping your fingers off of the trigger until it is time to shoot at a target. An instructor will also teach you to keep a firearm locked in a container until it is time to shoot wildlife.

2: Avoid Alcohol or Drug Use While Hunting

Driving while under the influence of drugs or alcohol is dangerous, and it is also not safe to be impaired while hunting in an ATV. Alcohol and drugs change your visual acuity, physical reactions, and mental judgment, so don’t bring liquor or drugs along on a hunting trip. In fact, if you have a vehicular or shooting accident while impaired and driving an ATV, then your insurance coverage rates will increase.

3: Apply for a Hunting License

You must have a valid hunting license in the region where you plan to hunt to avoid a financial fine or incarceration. This license may give you permission to hunt for particular types of game at certain times of the year. If you are traveling through a forested region or mountainous area, then you may need to follow particular guidelines when it is time to shoot wildlife. Keep your hunting license nearby along with your proof of having ATV insurance in case you are stopped by a law official.

Contact an Automobile Insurance Company for More Information

For additional ATV safety tips, while hunting, you should contact your vehicle insurance company’s agent. The good news is that the cost of ATV insurance is similar to the amount that you would spend on other vehicles, and it provides valuable financial protection.

homeownersinsuranceNo one ever expects an emergency to happen, but it is a bad practice not to plan for one. For whatever the cause may turn out to be, whether a natural disaster or a home invasion, it is necessary to ensure that your most important documentation is secure. You may feel safe if you have homeowners insurance coverage, but it would be downright silly to assume that this coverage is all you need to do. To truly protect yourself and your home, you will also need to be careful with your most valuable paperwork. This will even save you for times when your insurance coverage needs documents in the case that something does happen!

 

In order to start taking control of your papers, the first step is to appoint one place in your home where you will keep your paperwork and make sure your household members are aware of it. This is so that in an emergency, you will not need to rush around to search for documents and if you need to evacuate, everyone will know what to take. For the actual storage of your documents, you have a multitude of options based on your needs. Home safety boxes on the market boast a variety of different features that can make a difference depending on the situation. Home safety boxes that are waterproofed for example will provide safety for your papers even in the case of a flood or other water damage, whereas other safe boxes may include a variety of locking systems and security measures such as fingerprint detection to provide security in the case of home invasions.

 

Generally, the idea of protecting your papers has a simple premise: in the case of an emergency, the first thing people want is that their papers are safe, and the last thing anyone wants is to spend time digging for their important documentation. Even when your homeowner’s insurance coverage includes such emergencies, you will have to provide itemized lists of all objects involved in the emergency. Important papers such as house deeds often are also necessary when dealing with insurance coverage and policies. By taking steps to ensure that you know where your papers are, and how exactly you store them, you will best prepare yourself for anything that may happen in the future.

roof inspectionThe cool fall temperatures are a sign that winter is coming, making it the perfect time to take care of home improvements. Taking the time to make some changes to your home can save you money and headaches once cold temperatures set in. Many home improvements for fall can be paid for by homeowners insurance coverage. Below are easy ways to home improvement for all homeowners.

Check Your Gutters For Debris

Your gutters can easily get clogged with leaves, twigs, and other debris. Fall is a great time to clean these out, removing as much debris as possible. This will ensure your gutters do not get clogged or frozen over.

Look At Your Roof

Your roof has an important job, it keeps your home protected from harsh winter rain and wind. This is the time to get your roof examined by a professional for signs of wear and tear, missing shingles or leaks. Most insurance coverage has provisions for roof repairs and replacements. It is far better to have this done before the first snowfall when a leak could cause damage to the inside of your home.

How Old Are Your Windows? It May Be Time To Replace Them

When doing home improvements for fall, check your windows. If they are over 10 years old, they are most likely not as energy efficient as they should be. Some signs your windows are not efficient are visible condensation on the glass or feeling cold air through the window glass. Homeowners insurance coverage often covers window replacements after a certain period of time, so check your policy to be sure. Look for windows with the Energy Star rating from the Environmental Protection Agency or EPA, most insurance coverage requires this rating for replacement.

These are some of the most beneficial home improvements for fall for homeowners. You can also find easy ways to home improvement in small ways such as sealing gaps in your home’s foundation and having your heater checked before you use it.

heirloomSome people are lucky enough to acquire an item they deem priceless. The antique music box you inherited from your late grandmother would likely seem invaluable to you, but insurance companies may not hold the same opinion.

Homeowners insurance coverage is a great investment for the welfare of your house and belongings, but it’s easy to overlook the value of items that aren’t replaceable. Your standard insurance coverage likely has a limit, and will only reimburse the price of heirlooms based upon their actual value as objects, rather than the value they’d net in an auction or antique sale.

That’s why insurance appraisals are so important. While you could go to a local pawn shop or antique store to get an idea of an item’s worth, the most reliable method is to hire the services of a certified appraiser. Organizations like the Appraisers Association of American can connect you to professionals who will gauge the value of your heirlooms without getting personally involved.

With retailers, you run the risk of them being interested in buying your treasures, which can affect the accuracy of the appraisal. By appraising your most valuable possessions, you can schedule them under your insurance coverage so that the appraised value will be covered in the event of a disaster or even personal negligence.

When you seek homeowners insurance coverage, compile a list of any possessions that need to be appraised. Musical instruments, fine china, silverware, antique furniture or knick knacks, stamp collections, jewelry and anything that has been passed down through a family are prime suspects. When hiring a certified appraiser, you can often send them pictures of your items in an email before committing, which can save you both time and money if the items prove to lack the monetary value.

With a bit of foresight, insurance appraisals will help you keep your peace of mind. Insurance won’t be able to replace an item that is one-of-a-kind, but it can certainly lend support as a monetary award.

Home springOne of the best ways to get a better price on home insurance coverage is with green home upgrades. Insurance companies love green upgrades because these updates make homes healthier and safer, which reduces insurance coverage claims. For example, homeowners usually replace dangerous materials that easily ignite or release harmful VOCs. Large-scale green upgrades that increase property value typically lead homeowners to invest in modern security and SMART home systems.

 

Reduce your home insurance coverage premiums with a few simple changes. Consider these easy ways to have a green home when planning your next small or large renovation project:

 

– Install energy-efficiency equipment, such as Energy Star appliances, solar- and thermal-based heating and cooling units, CFL light bulbs and socket timers that automatically shut off power to hibernating electric devices.
– Prevent air leakage and temperature fluctuations by sealing gaps everywhere you find them throughout your home, such as around windows, doors and vents, along baseboards, behind electrical outlets and in walls.
– Replace faucets, toilets and shower heads that are more than 20 years old with newer, more efficient ones that use less water or monitor water usage.
– Choose a drip irrigation system for watering outdoor plants that carefully dispenses a precise number of water droplets to plant roots instead of flinging water all over plant tops where it can evaporate quickly.
– Pick eco-friendly alternatives made from recycled and sustainable materials when updating common renovation areas, including cabinets, countertops, floors and decks.

 

Of course, these few easy ways to have a green home do more than provide insurance coverage benefits. Green upgrades reduce energy bills, improve indoor air quality and make any type of home more comfortable and inviting. Many of these changes can even result in substantial breaks at tax time because of government incentive programs.

Home insurance coverageThere are a lot of important first time home owner tips to keep in mind when you are buying a new home. You may also be tempted to purchase new furniture before you purchase anything else. However, furniture should not be the first thing that you buy. You should get insurance coverage for your home before you buy furniture.

 

Homeowners insurance coverage is a type of insurance that protects your home and possessions against damages. Your insurance coverage can also include liability coverage. This means that if an accident occurred on your property, then your homeowner’s insurance coverage will pay for it.

 

A basic homeowners insurance policy will cover disasters, such as fires, tornadoes, lightening, and vandalism. If you are no longer able to live in your home due to a disaster, then your homeowner’s insurance policy can pay for you to stay in another place temporarily. Many lenders also require that people get homeowners insurance.

 

Furthermore, your homeowner’s insurance can also cover your home if it gets burglarized. Your new home is probably the place where you will feel the safest. However, home break-ins are extremely common. In fact, it is estimated that 25 percent of homes in the United States are burglarized.

 

It is important to include everything when you are selecting your coverage amount. This is one of the key first time home owner tips to keep in mind. You should also find out whether the insurance company will replace the property based on the actual cash value or replacement value.

 

The actual cash value is also known as the market value. It is calculated by subtracting the depreciation amount from the replacement cost. The replacement cost is the total amount that will have to be paid to replace the asset.

insurance policyFostering employee well-being is a critical part of the success of every business. For a small business owner, implementing a workplace wellness program may be a bit challenging, but it can be done. By combining your small business insurance coverage and some creativity, you can encourage workplace wellness and perhaps gain some financial benefits from doing so.

Encourage Activity

Consider having standing or walking meetings when you need to speak with your employees. Before the start of each work day, have everyone do five minutes of activity, such as marching in place. Encourage your workers to take a walk on their breaks. Find out if your small business insurance coverage offers discounts to employee gym memberships. Your insurance coverage costs might decrease if your employees show improvements in health indicators such as body mass index (BMI), blood pressure or cholesterol.

Offer Healthy Options

If you have a vending machine for your staff, have it filled with healthy options such as trail mix and beef jerky instead of candy bars and potato chips. Offer bottled water or sparkling water rather than soda. If you have an employee who is under stress, provide resources for healthy coping such as, information about local counselors or stress-relief programs such as yoga or meditation.

Make It Competitive

Many people enjoy a challenge. Set up a competition with everyone’s fitness trackers to see who gets the most steps and offer simple prizes to the winners. Consider starting a workplace activity club such as a softball team.

Fostering employee well-being does not have to be expensive or time-consuming. These activities might even help to lower the price you pay for insurance coverage. Healthier employees who feel appreciated and taken care of can also help to boost the success and profitability of your business.

burglarBurglars can enter your home through a window or door of your house. Another common way they can steal is through your home detached garage. It’s wise to have homeowners insurance coverage. Here are tips for detached garage security even if you have insurance coverage.

 

Cover windows. Put privacy film over the windows of the garage so thieves can’t see what you have.

 

Secure the windows with bars. Buy security bars at a hardware and home improvement stores. You can make your own using 1/2-inch threaded steel pipe. You’ll also need two tees, two 3/8-inch washers and two 3-1/2-inch by 3/8-inch lag screws for each bar placed 6 to 8 inches apart.

 

Keep your transmitter on a keychain. If you have an automatic garage door opener, get a transmitter for your keychain. This is safer than keeping a larger one in your car.

 

Put a strong lock strong on the service door. Reinforce door jambs with metal plates. Make sure your door has a deadbolt lock. The lock should be ANSI Grade 2 or above. Use 3-inch-long screws on door hinges for maximum security.

 

Prevent entry via the emergency release. Stop burglars from using a wire hanger to hook onto the manual door release to open your garage door. Attach a piece of wood that is 1 inch thick and 4 inches wide to the top of the door from inside the garage. A piece of wood that is 8 feet long is sufficient for most doors. Use screws to secure the wood over the gap that thieves search for.

 

Even with the best detached garage security, sometimes thieves win. Make sure you have insurance coverage for your home detached garage. Contact your agent to discuss your homeowner insurance coverage.

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