If you’re looking for home insurance, you might have discovered that there are quite a few different types of policy out there. The HO-3 home insurance policy is your standard, typical policy – it’s the most common one in the United States. However, there’s another type of policy, the HO-5, that differs slightly from the HO-3 and can offer more extensive coverage. We’ll explain the difference between these two policies so you can decide which might be right for you.
So, you’ve made the decision to get a home security system (or at the very least you’re considering it.) You want to protect your family and your home, and a burglar alarm seems like a good way to start. But now that you’ve made that decision, the next step is actually choosing a company to install the security system and monitor it. And where exactly do you start with that? We’ve got some tips for choosing a company to install your home security system.
So, you have this shiny, fancy home insurance policy to protect your home. It’s got lots of words in it. While you know that your home insurance is like an invisible financial safety net, you might be wondering what home insurance does. What tricks does it do? What special features does it have? What’s the quality of the camera? Just kidding. Bottom line: what does home insurance do? We’re going to explain what perils are covered by home insurance.
Ah, summer is here. The temperatures are soaring, the rain is pounding, and the sun is blazing. It’s important that you take the time to maintain your home this summer and to prepare it for the extreme heat that you could be facing. Check out our ultimate checklist of summer home maintenance tips to help you give your home some TLC.
Do you know and respect these electrical safety tips?
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…
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.
The roof of your home not only protects your family and belongings, but it also helps secure the structural integrity of the property. With that in mind, your home insurance company is very much focused on helping you to protect your roof. If you have a simple roof leak, for instance, it could impact the overall structural integrity of the building. It is much easier and less expensive for a home insurance company to cover the repairs to your roof than to replace the home because of structural damage.