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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Pest Control Tips for Your Home in Georgia

pest control tips

Discovering a bug in your home is enough to give you an unsettling feeling. Not only can pests damage your home, but they can also spread diseases.

Although there’s no way to completely eliminate pests for good, there are ways to ward them off and lessen the chances of them entering your home.

In this article, we’re going to discuss some common bug attractors and our top pest control tips. Let’s begin.

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Home Insurance Renewal Tips

home insurance renewal

Home insurance renewal is when an insurance policy is about to end and the policy owner is allowed to renew it. While the homeowner has the choice to just renew it, now is a good time to make any necessary changes and even shop around for better rates. The insurance provider will typically inform the policy owner 30 days before their policy’s expiration.

This is the perfect time to assess your current insurance needs and shop around. Remember, you don’t have to change your current policy if you’re happy with it. However, your insurer may make some changes to your policy automatically that you’ll want to look over.

In addition, your insurer doesn’t have to renew your policy if they deem you high risk. For instance, if you filed too many claims or live in a high-risk fire or flood area. However, they must notify you 45 to 60 days before your policy’s expiration.

In this article, we’re going to go over some tips for renewing your home insurance and how to get the best policy at a reasonable rate.

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How to Create a Home Inventory Checklist

home inventory

Creating a home inventory checklist can help you decide how much coverage you need to protect your personal belongings. It also helps you figure out whether or not you need additional coverage for any high-dollar items. Basic home insurance policies provide limited coverage up to $1,000 or $1,500. Even though these limits keep home insurance costs low, your valuable items may be left unprotected.

If a disaster were to occur, you don’t want to be left figuring out what items are covered and which ones aren’t. This is where a home inventory checklist comes into play. We have a few tips that can help you create an in-depth home inventory checklist. Preparing this list will give you a better understanding of how much coverage you need. Let’s begin.

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Is Your Georgia Home Underinsured?

home underinsured

Your house is arguably your biggest asset considering it’s a huge investment. Therefore, your home must have proper protection. Home insurance is one of the easiest ways to ensure that your house has the financial security it may need in case of an emergency.

But, what does a homeowner do if their house doesn’t have sufficient coverage? Oftentimes homeowners don’t even realize they’re underinsured until they try and file a claim. Therefore, you must ensure that you have sufficient insurance coverage, which is why we’re going to point out some indicators that may help you decide.

In this article, we’ll discuss three instances where your home may be underinsured. Let’s begin.

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