Homeowners Insurance Quick Overview

What does a Homeowners Insurance Policy cover?

Coverage varies but it starts with insuring the home itself, many items in the home and liability insurance. A general homeowners insurance policy doesn’t cover everything. Add on policies expand coverage to include such things as identity fraud and water backups. Yes, water back up is not part of a basic homeowners insurance policy.

Expanding a Homeowners Insurance Policy

High value items such as jewelry, guns and music items need to be included in a separate schedule. It is common for insurance companies to ask for the items to be appraised and include… Continue reading

Monthly Home Maintenance Suggestions

Preventative maintenance done on a regular basis, can help save your home from any costly damages or repairs that may come later on in the life of the home. Here are some steps you can take to protect your home and yourself from those costly things.

  • January: Clean the condenser coils behind and beneath your refrigerator. This is to help keep your unit cooling efficiently.
  • February: Inspect grout and caulk around sinks, bathtubs and showers, just to make sure that any repairs can be made or replaced.
  • March: Replace all the batteries and test smoke and carbon monoxide detectors in… Continue reading