Home Insurance

Brick house We currently insure smaller owner-occupied homes and rental properties, and prior insurance is not required. Your policy can be designed to cover your personal property, including outbuildings, and can provide liability insurance to protect you in case someone is injured on your property. Your home will be covered for fire, lightning, windstorm, hail, and other perils.

 

Past Problems

We welcome those who have been without coverage or whose insurance has been cancelled or declined. In most cases we can help!

Rates

Many things affect Home Insurance rates such as type of construction, age of house, local fire protection (distance from fire department), amount of coverage and the deductible you choose. The higher the deductible, the lower the rate–so always carry at least a $500 deductible. Many choose $1000 deductible or higher, and repair minor damages without using their insurance. This keeps rates down.

Condition of Home

It is extremely important to properly maintain your home at all times.  Almost all insurance agents are required to personally inspect the exterior of your home.  Issues such as a roof in poor condition, rotten wood, loose gutters, tree limbs touching the roof, clutter, peeling paint, and aggressive dogs can adversely affect your ability to obtain coverage.

Financial Considerations

Always try to maintain at least an average credit score.  Most all insurance companies consider your credit among the factors to determine your insurability.

Use Common Sense to Protect Your Home

  • Obviously, a fire/burglar alarm system is essential to protect your home when you are away.
  • Always inspect the hoses behind your washer and replace them if they appear worn.  It’s is a good idea to use hoses covered with metal mesh because they last far longer than basic rubber hoses. The metal mesh hoses can be purchased at Lowe’s, Home Depot, or local hardware stores.
  • Grease fires are very common.  Remember to extinguish any grease fire by simply tossing a blanket over the stove.  The lack of oxygen will immediately extinguish the flames.
  • Regularly clean the lint trap in your dryer–clogged lint traps cause many fires.
  • Always leave lights on when you are away.  Give the impression that someone is home.
  • Just use common sense folks!

 

 

 

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