Tips To Keeping your Homeowners Insurance from Increasing

When you drive or walk through your neighborhood, it is easy to see which homes are being maintained and which are not. You don’t have to inspect them, but just pass by and take a look. It’s simple to find homes that are run down, their lawn is overgrown, window shutters are falling off or there’s missing shingles from the roof. Maintained homes aren’t perfect, but you can see fresh paint, no cracks or holes in the walkway or driveway, clean windows and no overgrown trees or hedges.

Yearly and seasonal maintenance of your home helps to retain its value and prevent problems in the future. Some repairs can help keep your Homeowners Insurance policy from increasing since they include reducing safety issues such as fires.

It’s helpful to keep a checklist of what you must do to maintain your home:

  • Check the batteries in your smoke detectors. A good way to remember to do this is when we change the clocks for daylight savings time.
  • Clean the dryer vent.
  • Vacuum the coils of your refrigerator.
  • Clean and check the screens on your windows and doors.
  • Check and maintain your air conditioning system yearly.
  • Have your septic system cleaned out professionally. This should be done every year – every 3 years. Ask what schedule you should keep.
  • Inspect your roof, chimney, gutters, etc. Again a professional can do this or you can do it yourself. Some homeowners do it every year then have a professional come in on the 3rd year for example.
  • Check your foundation for cracks and soil for unusual holes. This can mean there is a sinkhole starting.
  • Inspect your walkway and driveway and repair any cracks or holes.
  • Check your doors and windows for to see if they close properly or if they need to be re-sealed.
  • Have an inspection done for insects especially termites.
  • Check the expiration date on fire extinguishers and replace them as needed. Keep the expiration dates on your calendar.
  • Remove and clear any tree branches that hang over your home or your neighbor’s home.
  • Remove anything that can be caught up by the wind during hurricane season and store it indoors.
  • Inspect your attic for openings.

When using professional services, be sure to do a background check to see if the person or company is licensed and certified to do the work you have hired them to do. Another thing to look out for is workers’ compensation insurance. If a worker in your home is injured, they will most likely be covered under their policy. If they don’t have worker’s compensation, they can sue you. That means you’ll be using your Homeowners Insurance policy to cover their claim. There should be no reason for that, especially when you are trying to prevent problems with your home.


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Must Have Super Bowl 52 Party Recipes

ID-10032182On Sunday, February 4th, 2018 is the biggest game of the year for football fans, the Super Bowl. The New England Patriots and the Philadelphia Eagles will play at at U.S. Bank Stadium in Minneapolis, Minnesota. If you cannot be there in person you can enjoy the game on NBC channel (see other options here) and kick off is at 6:30 pm ET.

Where there is a football game there must be great food! For Super Bowl Lll (52) we have searched for the best appetizers, desserts and yummy dishes you can conger up. The first on our list is a long time favorite Buffalo Chicken Wings…

Buffalo Chicken Wings – Make them as mild or hot as you like.

and as long as we are in the neighborhood of hot and spicy food here are a few more dishes…

Lara Spencer’s Slow Cooker Buffalo Chicken Dip (easy and so yummy!)

Buffalo Chicken

Jalapeno Poppers with Blue Cheese and Bacon – easy appetizer!

Sweet Hot Baby Back Ribs

Layered Spicy Black Bean Dip

For those that do not want the hot or spicy foods;

Baked Spinach and Artichoke Dip

Asian Slaw Dogs

Sweet and Sour Meatballs

Slow Cooker Chipotle Pulled Pork with Apple Slaw

Game Day Chili – Sunny Anderson Food Network

Butterfinger Rice Krispie

Football Cupcakes

Southern Sweet Tea

Enjoy the Super Bowl :}






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How To Honey-Glazed Ham Recipe for The Holidays (Video)

Chef John from Food Wishes has put together a delicious recipe for a Crispy Honey Glazed Holiday Ham that you can serve anytime but would be perfect for Christmas Eve or Christmas Dinner. He makes a mixture of brown sugar, honey, mustard and more to glaze the ham with lots of flavor. He also has a few other tricks up his sleeve to make this the ham even more delectable, see that on the video!



For the recipe go to Crispy Honey-Glazed Ham – Looks, Tastes, and Sounds Like the Holidays



Thanks Chef John great job … Happy Holidays

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Insurance Scams Hurricane Irma What to look out for

Hurricane Irma caused devastation in Florida and much more along the way. While we are still in recovery mode but at least just about everyone has their electricity back and are finding a way to return to a normal routine that Irma so fiercely disrupted. Once the storm is over its time to access the damages for your home and call your insurance company. Once an agent gives you an assessment of the damages and the money for repairs, your next step is just as important, finding someone to do the repairs.

Be Aware!! There are many scammers out there wanting your insurance money that you worked so hard by making monthly payments for. You want to make sure that the people who are going to repair say your roof does the job they are hired for and it will pass inspection.

See the following helpful articles to avoid being scammed.

Florida officials warn about insurance fraud after Irma

From Article – “If an offer sounds too good to be true, it probably is and could be fraud,” said state Chief Financial Officer Jimmy Patronis. “Opportunistic scammers may attempt to defraud Floridians following Hurricane Irma, and I encourage all Floridians to be vigilant in guarding against fraud. Consumers should report suspicious activity ASAP by calling 1-877-693-5236.”

FEMA warns of fraudsters, scams after Hurricane Irma

From article – “Instances of scams and fraud are common after major natural disasters as opportunists rush to capitalize on dire situations.”

How to protect yourself from hurricane repair scams

Advice from the Better Business Bureau – “If someone shows up at your house unannounced and claims to be an insurance adjuster, do not invite them into your home. Ask for company ID. If they don’t have any, ask them to leave your property and shut the door.” -Katherine Hutt, Better Business Bureau

Please contact us if you have any questions,

Buget Bi Rite Insurance, Inc





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Why Additional Living Expenses on Homeowners Insurance Coverage is so Important

Should you be faced with a fire, or a devastating storm that destroys your home, you will not be enjoying the comforts of your home and you need to be prepared.

In your homeowners coverage you should not only be protected for your personal belongings but compensated for additional living expenses. While your house is being accessed, you may be in a hotel for a few days, need money for restaurants, clothing and other expenses that may occur.

You do not want to find out after the tragedy of damage or losing your home, that you are lacking coverage. You need to know what your limits or exclusions are ahead of time.

This is where your compensation for additional living expenses comes in. Some insurance companies may give you unlimited help with your expenses and others a percentage of your total homeowners coverage.

Not sure what exactly your coverage is? Call us today to get your questions answered. 863-453-3903 or visit our website fill out the form and we will have an agent contact you within 24 hours.

We offer home insurance to the following states – Florida, Minnesota, Georgia, Texas, Maryland, South Carolina, North Carolina, Indiana and Pennsylvania.








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