Theft Prevention Tips

theft prevention

No home is immune to the risk of theft. Whether you’re looking to protect your home while you’re on an extended vacation or simply at the office for the day, it’s important to take precautions to help deter criminals from targeting your property.

Be sure to utilize these theft prevention tips to keep your home secure and help mitigate the likelihood of burglaries while you’re away.

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What to Know about Hard to Place Homes

hard to place homes

Although it’s always important to purchase homeowners insurance to protect your investment, some homes are harder to insure than others. These homes, referred to as “hard to place homes,” are usually exposed to a large number or variety of risks. As a result, many insurance providers are more hesitant to provide coverage for them.

Keep reading to learn more about what makes a home “hard to place.”

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Named and Open Perils: What’s the Difference?

named and open perils

Insurance policies are often filled with terms that can be difficult to understand, particularly for the average insurance buyer. Of these terms, “named perils” and “open perils” are some of the easiest to confuse. When it comes to understanding what their coverage entails and ensuring their policies are adequate enough to protect against the most common risks, homeowners need to have a basic understanding of how perils are used in their insurance contracts.

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Do You Know What Your Insurance Policy Covers?

home insurance policy covers

Insurance policies offer multiple plans that provide different levels of protection against liabilities and risks. But do you know what your insurance policy covers? It’s stated that 15% of homeowners don’t know what their policy covers and they don’t know where to check.

Therefore, it’s essential to have extensive knowledge of the appropriate add-ons, exclusions, limits, and so forth. The last thing you want is to file a claim and find out you weren’t as protected as you thought you were. Here’s what you need to know.

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What to Know before Selling Your Home in Georgia

Homeowners insurance is probably not at the top of your mind when you’re about to sell your home in Georgia. However, overlooking the importance of homeowners insurance during the sale of your house may harm you in the long run. There are several home insurance risks that you should know about, such as leaving your old property uninsured before closing.

In this article, we’ll discuss the important role homeowners insurance has while you’re selling your home in Georgia.

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Your Guide to Homeowners Insurance

homeowners insurance

Whether you’re planning to buy a new home or have already purchased it, you must have thought about homeowners insurance. Why is it significant, or how does it benefit you?

Let’s admit a house is one of the most valuable possessions you own. It needs guaranteed security. Homeowners’ insurance policies protect your home in many ways.

If you’re looking for homeowners insurance, you have come to the right place. This article includes everything from what homeowners insurance is, how much you need, and what to consider before purchasing a homeowners insurance policy.

Here’s your very own homeowners insurance guide.

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Will My Homeowners Insurance Cover a Sinkhole?

When dealing with insurance, getting a concrete “yes or no” answer is often difficult. We say this because the insurance market offers various degrees of coverage. Moreover, each insurer, whether big or small, operates differently.

The same goes for sinkhole coverage in your homeowners insurance policy. While getting coverage for sinkholes on the property depends on the insurance company, you also need to take your state and city into account.

We say this because many homeowners invest in sinkhole insurance to ensure they’re covered. This especially applies to homeowners residing in regions that are notorious for sinkholes. Some of these places include Kentucky, Alabama, Pennsylvania, Texas, Florida, Tennessee, and Georgia.

Keep on reading to find out whether your homeowners insurance will cover a sinkhole and how you can protect your home.

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8 questions to check your home insurance

Check your home insurance

 

Getting Atlanta home insurance might seem daunting, and even when you’ve got your insurance settled, you might be wondering if your insurance is “the right” coverage. Does your home insurance fit your situation? Having the right coverage for your house is essential – your house isn’t just the bricks and walls and roof, or even the walls, roof, and the stuff in it. There are a few questions that you can ask yourself to check your home insurance. We’ve put together a list of a few things you can include in a home insurance checklist.

8 home insurance items to include on your checklist.

1. Make sure your home is insured for its replacement cost.

The thing about home insurance is that you want to make sure that your house is insured for its replacement cost. That’s different than your home’s market value. Replacement cost is the amount it could cost to rebuild your house from the ground up if it were destroyed by something like a fire. If your house isn’t insured for its replacement cost, you might not have the appropriate amount of coverage for your house. Your insurance is the thing that can help you financially if something happened to your house, after all.

2. Check that your deductible is where you want it to be.

Your deductible is another consideration about your home insurance that deserves some thought. The deductible is the amount you agree to pay in the event of a claim. (Basically you pay the deductible and the insurance company pays the rest up to the policy’s limit.) The thing to take into account is that your deductible can have an effect on your premium. If you set a high deductible, you could see lower rates. So, if you are able to raise your deductible because you’re financially comfortable doing so, you could lower your rates. You don’t, however, want to set your deductible so high that it would be a catastrophe to pay if you have a claim. Anyways, check that your deductible is where you want it to be.

3. Don’t overlook your personal belongings.

It’s also a good idea to make sure that you’ve taken a home inventory. You need the proper coverage for your personal belongings. So, check that you’ve got the proper coverage for your possessions. That also means that you’ve got coverage for any valuables in your possessions – for example, jewelry. Your home insurance could have a very low limit for jewelry, so you may been to adjust and account for that. Make sure you’ve got the proper coverage when you check your home insurance.

4. Look at your liability coverage.

Your home insurance likely includes coverage for your liability. When you’re going over your home insurance, check that your coverage is sufficient for your needs. Liability can come from a lot of places. If you need more liability coverage, you can consider getting a personal umbrella policy.

5. Discounts!

When you check your home insurance, it’s not a bad idea to look over your homeowners insurance discounts. Those are an easy way to save money on your insurance. So – are you taking advantage of all the discounts you could be eligible for? Check and see if you’ve got your discounts straight. The savings can be great!

6. Bundle?

It’s also worth considering bundling your home and auto insurance. (That just means that you’re getting both types of coverage from the same carrier.) The thing is that you can also score savings by bundling. Don’t overlook the possibility of bundling – besides, it could be very convenient. So, check and see if bundling would be ideal for your situation. Anyway, bundling is definitely something to add to home insurance checklist.

7. Check the policy regularly.

It’s also important to make sure that you’re checking your policy regularly. Your coverage needs could change as time goes by and things change. Your coverage needs to fit your situation. If there are any big changes to your home or your life, you should let your agent know.

8. Have you gotten quotes lately?

You might want to get insurance quotes for your Atlanta house if it’s been a while since you’ve seen what’s out there. By getting quotes, you can look at different options to make sure that you’ve got the right coverage for your needs – and the best price. It’s a good idea to get quotes to make sure that you’ve got Atlanta home insurance to protect your house at the best possible rate.

And if you need some help with that, our team would be happy to go on that quest with you. We like making home insurance easy and we like helping Atlanta homeowners save money on the coverage they need. You can get in touch with our team by filling out our online form, giving us a call, or messaging us on LiveChat.

How to insure a haunted house

How to insure a haunted house

How to insure a haunted house

We all know that home insurance can cover some pretty scary stuff, but what if your house is scary all by itself? If you’ve got creaky doors, bubbling brews, and spooky, scary, skeletons, you might need more than your average coverage. So, here are some of the things you may consider when insuring a haunted house.

How to insure a haunted house.

Liability

Let’s start with the basics: A heck of a lot of liability coverage. Liability coverage for your home is the part of your insurance that can help you pay for medical bills, legal fees, and settlements if someone is hurt in your home. Considering there would probably be a lot of ghosts scratching people, making people fall people down stairs, throwing objects at people, and generally exacting their vengeance on all who dare to enter, the house would probably have to have a high limit of coverage, to say the least.

Personal property

On the same token, whoever owns that house (the living ones) should have plenty of personal property coverage, which can help you cover damage to your belongings due to:

A haunted house would be particularly prone to these types of risks, especially if the “throwing plates” thing is considered vandalism. So, the homeowners will need a lot of overall personal property coverage. They may possibly need high-risk home insurance carrier because of the heightened risk, since it may be tough for them to get normal home insurance.

Jewelry & valuable items coverage

The homeowners may or may not need this type of coverage, depending on if they have expensive items lying around or if the poltergeist was brought into the home through a valuable item. If they did need this coverage, though, they would need to add it to their policy. Homeowners’ insurance policies typically only cover valuable items up to a certain amount – and that amount is usually low. So, if a haunted ring was somehow destroyed by a covered loss because of the dark energy inside it, it might be a good idea for the homeowner to have valuable items coverage so that they could replace the ring with a similar, less haunted one.

Loss of use/Additional living expenses

If the situation got so out of hand that the homeowners were forced out of the home by the activity, they’ll want to check their policy for Additional Living Expense (ALE) coverage. ALE coverage can help give you additional funds to keep up your quality of living while you’re forced outside of your home due to a covered loss. For example, after a house fire, your property coverages could help you replace your items and rebuild your home. Your loss of use coverage, however, could help you bridge the gap between the cost of paying your mortgage for the month and renting an extended stay hotel room while your home is repaired.

Vacant home coverage

It would also be a good idea for the homeowners to read their insurance policy through to see how long their home insurance covers a vacant house. Even if the house is full of spirits, a carrier would probably still consider the home empty, which poses a huge risk for them. If a person isn’t living in the house, it becomes more prone to squatters and vandalism. If there were a fire, there would be no one to “alert the media” and protect the homeowner’s and the carrier’s investment.

Even if the homeowner was trying to sell the house, they may still need vacant house coverage if the home is on the market for longer than their home insurance policy will cover. Depending on the level of the haunting, it may take a long while before anyone takes the house off the owner’s hands.

Are perils that exist only inside of the home covered under a home insurance policy?

One of the more interesting questions our horror movie buffs had are from movies like 1408. When perils like fires or earthquakes happen inside of the home, but there are no visible signs of the event outside, are they covered by home insurance?

First and foremost, flooding and earthquakes are typically excluded from home insurance coverage. So, unless the homeowner specifically had policies for those perils, they wouldn’t even be able to start this conversation. That being said, what if the homeowner did have an earthquake or flooding policy?

One could argue that the damaged items inside the home could be covered. You could also argue that there’s no proof of widespread damage in the neighborhood. So, a carrier couldn’t be sure that the damage was due to a covered loss or just the actions of the homeowner. Either way, we suppose they would have to check with their carrier about if and how they would file a claim.

And so marks the end of our basic theories. These coverages may be the absolute minimum a homeowner should worry about if their house was haunted. Still, there could be a lot more coverage needed or a few more caveats that your homeowners’ insurance carrier might have about insuring the haunted house.

For now, you don’t have to be haunted by the thought that you don’t have enough home insurance. Just call our experts today! We’ll get you quotes from different carriers on the affordable home insurance coverage that fits you. To start getting your free quotes, just give us a call, fill out our online form, or LiveChat with a specialist today!

10 questions an insurance agent may ask when you get home insurance

Be prepared to answer these questions from an insurance agent when you get home insurance quotes.

Be prepared to answer these questions from an insurance agent when you get home insurance quotes.

When you’re on the road to getting great homeowners insurance, you may be a little hesitant to disclose a few details about yourself. And we’re not talking about your favorite color. A home insurance agent sometimes needs certain, sensitive information that many people have been taught to hold near and dear.  The good news is that insurance agents know how to keep your information safe and use it to get great rates on your home insurance. So, here are some of the questions you’ll have to be prepared to answer to get home insurance.

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