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How Do I Choose the Right Home Insurance Deductible?

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 ... Read more

Save Money And Stay Warm With These Tips

Money Saving Winter Heating Tips As the cold winter weather continues, it is easy to turn up your thermostat to stay warm. However, each degree that you turn it up is more money that is added to your energy bill. Keep these simple tips in mind to help save money while staying warm this season. Befriend the sun – when the sun is out during the day, open your curtains and drapes to allow the sun to heat your home. Remember to close your drapes and curtains once the sun goes back down to avoid cooling drafts from your windows. Cover your windows – use clear, heavy-duty plastic sheets to cover your windows. A tight seal from the plastic will help to eliminate any drafts. Use your thermostat wisely – while you are home, set your thermostat to the lowest temperature you can while still being comfortable. While you are sleeping or out ... Read more

Benefits of a Home Alarm System

Installing an Alarm System in Your Home Comes with Many Benefits As the New Year approaches, you may get the urge to pack up your bags and celebrate the holiday away from home. Before you pack up your festive 2015 party hat, it is important to make sure that your home and assets stay safe while you are gone. Installing the right home alarm system is the best way to be sure that your home is secure while you are on vacation. Installing the right alarm system in your home comes with many different benefits. The biggest benefit of having a home alarm system is knowing that your loved ones are safe while they are at home. Having an alarm system installed in your home can be enough to deter a break-in. Another, less known, benefit of having an alarm system in your home is a discounted homeowners insurance rate to help offset the ... Read more

Insurance for Your Home Based Business

Having a home based business allows you to create your own work schedule and spend more quality time with your loved ones. Owning a home based business also comes with special insurance needs. Make sure that you have the right insurance coverage for your home based business to provide protection in any situation. There are three aspects to consider when you are looking for the right insurance coverage for your home based business, including: The value of your equipment depends on the specific industry you are in. Make sure that you have enough insurance coverage to provide protection for all of your equipment in case it is damaged or destroyed. If you have clients come to your house, liability insurance will provide coverage in case they are injured while on your property. Liability will also provide coverage if someone is injured by the product that you produce. Industry specific risks. Each industry has ... Read more

Prepare Your Home for Fall With These Tips

Fall is officially here, which means so are cooler temperatures and shorter days. To make sure your home is ready for the dropping temperatures and the extra time your family spends indoors, keep these home maintenance tips in mind. Hire a professional to check your furnace and to do any regularly scheduled maintenance to ensure that you will stay warm all fall and winter long. If you have a wood burning fireplace, clean out the chimney. Built up soot from previous fires can easily start a fire and push dangerous carbon monoxide into your home. Clean out your rain gutters. Rain gutters that are clogged with fallen leaves and other debris can cause water to back up and damage your roof and walls. Also make sure the downspout is facing away from your home so water does not damage the foundation of your home. Check for missing or damaged shingles on your roof. ... Read more
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