Have you ever been kept awake at night because you’re worried about something happening to your home? The possibilities are endless – fire, burglary, flooding, lightning. Your home is, well, your home. If something were to happen to your house, it would be devastating. It’s no wonder you have a hard time sleeping if you’re dwelling on the things that could go wrong.
But the good news is that homeowner’s insurance will be there for you. With a great home insurance policy, you can sleep well knowing that your home and belongings are covered if you’re hit with a catastrophe. A homeowner’s policy covers and protects you from a multitude of disasters, so even though you can’t predict the future, you know you’ll be protected from whatever life can throw at you.
We know that your home and your family are unique, so you need a personalized insurance policy to fit your needs. InsuranceHub would be happy to help with that. We can help you identify your risks and make sure you’re covered. We want to keep you and your family protected from anything that could come your way.
Nothing is warmer and cozier than sitting in front of a wood burning stove or fire place. If you never had a wood stove, then you don’t know what you are missing. Wood stoves radiate heat throughout the room so effectively that many decide to place them in their basement so the heat rises and heats the entire house. This raises the question of their safety.
One of the best ways to protect your home from fire is to simply have a fire extinguisher on hand. This fact raises a few questions:
We have discussed the importance of protecting your home with a security system & the cost benefits of a monitored alarm system. But what if you live in an apartment complex?
Do you feel that it is important to get a burglar alarm system for the apartment that you rent? Would you be surprised to know that apartments are 85% more likely to be broken into than a house? If you are an apartment renter then we hope you have your attention! Many apartment renters mistakenly assume that just because they don’t live in a house that they don’t need a home security system. Burglars just love false assumptions like this. If you rent a home, you might be thinking, “won’t the landlords insurance cover me in case a thief breaks in and steals my belongings?” Unfortunately, the answer is no.
Burglars look for easy homes to break into. How does your home stack up?
1,559,284 people were arrested for property crimes?
Victims of burglary offenses suffered an estimated $4.5 billion in property losses?
The average value of property taken during larceny-thefts was $1,259?
Since property crimes are so rampant, what can you do to protect your home and family from burglaries?
Could a home security system or burglar alarm system help you save on your homeowners? The answer is yes and in a moment we will show you how you can start saving immediately.
But first, just suppose you came home to find your home burglarized.
The door is ajar. Your possessions are strewn across the living room floor. Your home is ransacked. You now feel violated. You’re alone and vulnerable. Your mind races. Could they still be in the house? You immediately leave and call the police and they arrive soon after. The police inform you that all is safe and you can now enter your home again. Now you begin to notice what is missing.
Here is the scoop on electrical fires.
Did you know that the National Fire Protection Association reports that electrical cords and temporary wiring are responsible for more than 21,000 fires a year.
In fact they report that it makes up more than 25% of the approximately 81,000 electrical system fires that occur each year.
Since electrical fires pose such a safety risk, what can we do to protect ourselves and families?
Here are a few electrical safety tips…
Nothing beats a good old fashioned home cooked meal.
Perhaps you still have good memories of mom teaching you to cook when you were a child.
This is exactly the place to begin training on kitchen cooking fire safety.
This is serious stuff.
Mold can be very damaging to a home and to your family’s health. It can develop over a long period of time behind walls and under carpeting without providing any indication of its presence. During that time, it can use HVAC systems to spread throughout the home. Over time, it can destroy walls and, in extreme cases, make the home uninhabitable. This scenario can put your home at risk, and the damage can be very costly to overcome.
If you’re like most Americans, your home is your largest investment. You put a lot of money into purchasing it, paying off the mortgage, and keeping it running. But you also put a great deal of time into making it your own. You are proud of your home. So what if something were to happen to it — such as a fire, burglary or vandalism?
Home insurance deductibles give you some freedom in selecting the amount you’ll pay on your insurance plan. Deductibles are what you’ll pay first before your insurance kicks in when you file a claim. For example, if your roof needs replacing and the procedure is covered by your homeowners policy, you’ll pay your deductible first and the insurance carrier can cover the rest of the costs. What’s important to know is that your deductible is often a flexible component of your plan.