When selecting your deductible, be sure to know what you’re signing yourself up to.
Homeowners know that their insurance policy is designed to protect their house and belongings throughout perils and lengthy lawsuits. However, when deciding on a policy, it’s important to understand what the deductible means for you policy.
What is a deductible?
Within your homeowners' insurance is a deductible. This is the total amount “deducted” from an insured loss. When filing a claim to repair your home or replace your personal belongings, the deductible would come out of your pocket.
There are typically two choices of deductible types:
Dollar-amount: For example, $500 “dollar deductible”. If your claim was for $10,000, your insurance company would take care of $9,500 while you paid the remaining $500.
Percentage based: This is based on a percentage of your home’s insured value. If your home is insured for $100,000 and your insurance policy has a 2 percent deductible, $2,000 ...
Help keep the peace at your house during the holidays with these tips.
The holidays tend to come with house guests. While having your friends and family stay with you can help you squeeze in as much quality time as possible, it can also lead to some stressful situations. To help make all your holiday visits more enjoyable, keep these tips in mind.
Mom and dad – parents love to use the holidays to spend time with their adult children. Now that you are an adult, it can be difficult to watch your parents come into your house and start cleaning or making some repairs. Instead of starting an argument, laugh it off and welcome the help. Keep in mind that no matter how old you are, you will always be your parent’s child, and they will also want to help.
In-laws – even if you have a great relationship with your ...
Don't let a burglar ruin your holiday travel plans.
If you are planning a holiday vacation, you are not alone. The holiday season is one of the busiest travel times of the year. As you pack your bags and plan your itinerary, it is important to make sure that you know how to keep your home safe while away. Keep these home security tips in mind that will help keep burglars at bay without having to spend too much money.
If you can, load your luggage into your car while its in the garage. If that is not an option, carry your bags straight to your car. Don’t leave them on your front porch or in your driveway.
Put all valuables in a safe place. If you don’t already have one, invest in a fireproof safe and bolt it to the ground to keep all of your valuables protected.
Let a trusted neighbor ...
Use these tips to get your house ready for fall.
The temperatures are finally starting to feel like fall, which means it is time to put out your flip flops and pull out your favorite sweater. As you get into the fall spirit, it is the perfect time to get your house ready for the season. Keep these fall home maintenance tasks in mind to ensure your house can handle the dropping temperatures.
Clean out your rain gutters – as the trees start to drop their leaves, your rain gutters are most likely starting to fill up. Blocked rain gutters can easily allow water to back up into your roof and walls, causing serious and expensive damage. While cleaning your rain gutters, make sure that all of your downspouts are facing away from the foundation of your house.
Look for air leaks – small cracks and worn weather stripping can let the ...