dangerous dog list

What is the dangerous dog list?

Our best advice for pet lovers is to call your insurance agent before buying your next dog. Why? Are you sitting down? Your insurance company might drop you if you select the wrong breed. Seriously. It’s the truth.

This raises a few common questions from our fellow animal lovers:

  1. Why are certain breeds blacklisted?
  2. Which breeds may cause me to be ineligible for home insurance?

Let’s go ahead and tackle one of these at a time.

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renters insurance

What is renters insurance and what does it cover?

Renters insurance for apartment and home renters is the equivalent of  what home insurance is for a home owner.

As you might already know, there are several forms of home insurance. Renters insurance is considered HO4 Contents Broad Form Insurance.

The major difference is that a homeowners policy covers structural damage, while renters tenant policy only covers the apartment dwellers contents.

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college campus homeowners insurance

Will my homeowners policy cover my college students belongings?

It seems like just yesterday that your child started grade school and here they are now headed off to college university. You have always been there for your child. You have done your best to teach them the difference between right and wrong. You have taught them how to make good choices. You have also done your best to protect them from harm. Now its time to send them off into the world to find their way on the road to adulthood and success.

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Preventive maintenance is the key to lower home insurance rates

Ignoring these preventive maintenance tips is the same as just sitting back & watching your homeowners insurance skyrocket! Just as you need to eat healthy, take supplements and exercise regularly to maintain your health, their are certain things we all need to do to maintain our homes. Your home is probably the most expensive thing you’ve bought to date. Depending where you live, it could be anywhere from a hundred thousand to over a million dollars. That is a heck of a lot of money.

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roofing contractor hail damage repairs

How to choose a roofing contractor for hail damage repairs

Don’t make these common mistakes when choosing a roofing company to repair your hail damaged roof

Hail storms cause everyone to stick the car in the garage and grab the kids to run inside. Let’s face it, just one short hail storm can cause a lot of damage very quickly. It can tear up your roofing shingles and cost thousands of dollars for the hail damage repairs. If you have suffered from hail damage, then you might be wondering who you should call to fix it. We want to help you to avoid some of the common mistakes homeowners make when selecting a roofing contractor.

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Protecting your home from water damage

For the past 22 years, I’ve run Steamatic, a company that specializes in “insurance loss,” which is the clean up, rebuilding & remediation that happens after water damage, sewer back up, fires and mold. During that time, I have noticed certain situations that could be prevented by maintenance.

It is importance to first understand how much damage and how quickly the damage will intensify when water enters your home. Here are some things to remember:

  1. The longer something is wet, the more damage that will occur
  2. Wet carpet (and in particular the padding underneath) will spread the water to new, unaffected areas
  3. As water travels from room to room, the walls can start to soak up the water, thus adding to your damage
  4. This is a major issue that can be prevented by acting quickly.
  5. “Secondary damage” is when there is so much water (and humidity) that other areas of your home are affected even though they did not get wet

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Helpful Tips On How To Protect Your Home From Burglary

Burglars look for easy homes to break into. How does your home stack up?

Did you know that in 2013:

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?

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How To Prevent Mold in Your Home

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.

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