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.

 

Photo courtesy of Tumisu at Pixabay.com

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When and Why You Would Need Temporary Auto Insurance

Where a normal insurance policy is not always needed, temporary insurance can be purchased. It is usually used for a short period of time hence “temporary”.

This type of insurance can be a bit more costly then regular insurance but well worth it in case something could happen to the vehicle.

Here are some reasons why you would want to purchase temporary insurance.

Heading out on a vacation? Temporary insurance is a good idea if you are going to be driving a vehicle which is not yours, or a rental car to avoid some high rental company insurance fees. Check to see if your current auto policy covers rental cars, if not you may need the temporary auto insurance. Business travelers may purchase temporary auto insurance in conjunction with car rentals for work purposes.

 

Your son or daughter are home from college and needs to use your car or truck. Although the temporary auto insurance policy is more expensive than regular coverage on a month to month basis, using it for these limited periods can sometimes be far less expensive than including the student on a family’s policy.

Moving to a new home with friends helping out, and possibly driving your vehicle’s is another reason to be covered while in transit.

In each of the above situations, or in any circumstance you are buying a temporary auto insurance policy, be sure to check with your auto insurance company. Sometimes, temporary drivers of a vehicle may already be insured through the regular policy on the vehicle and your insurance may already cover you for Car Rentals.

Note that it is usually not possible to purchase temporary policies for situations where an individual is living in the same house as the policyholder.

Call us today to get your questions answered. 863-453-3903

 

 

 

Photo Courtesy of everydayplus at FreeDigitalPhotos.net


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 budgetbirite.com 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.

 

 

 

 

 

 

 

Photo Courtesy of BM10777 at Pixabay.com

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Tips For Traveling On The Road With Pets

id-100233930Pets to many are just like family members, at least that is he way it is in our house. When we travel on road trips or to the beach, we like to take our dog with us. As you would want to keep any of your family members safe while traveling, also consider your pet.

Prepare yourself and your pet before the trip.

If your pet is only accustomed to traveling in the family car except for the trip to the veterinarian, you may want to start out with introducing them with small rides perhaps to a dog park, beach or area they can get out, have fun and know that every time they get in the car, it is not to the vets office.

If you are planning an over night trip or even longer and plan to stay at a hotel, call ahead of time to be sure the hotels in the area’s you plan to stay will accept pets and even if they charge more will be good to know.

On the Road

Plan to break up your trip by heading toward Rest Stops that offer bathrooms, food and a place to stretch your and your pets legs. It will renew your energy and your certainly do not want to be fatigue to set in. Be sure you have a water dish and possibly bottled water for them too. There are also those times when someone asks for a bathroom break not on the schedule, remember your pet may not be able to help a bathroom break in the car.

Talk to your veterinarian for advice on planning your pets mealtime and bathroom break schedule.

Your Pets Safety While in the Car

Just like you would with a baby or toddler, consider a car seat or carrier for your pet. This will help to protect them in case of an accident and also minimize any distractions for the driver which could lead to an accident and make your auto insurance increase.

Never, Never leave your pet in the Car Alone

How many times have you seen on the news about children and pets left in a car with the windows up and the outcome has been detrimental. Your car can heat up to 120 degrees in just minutes according the the Humane Society on warm days. In Florida during the summer, every day is hot!

Make sure you take your pet with you or have someone stay with them if you have to run into a store, bathroom etc, even for just a few minutes.

Being prepared ahead of time will help you and everyone with you have a more easy and enjoyable trip, even for your pet.

 

 

 

 

Photo Courtesy of tiverylucky.  at FreeDigitalPhotos.net

 


What Insurance You Need for your Recreational Vehicle or pull along Camper

ID-10077864 Before you hitch up that camper or get the behind the wheel of your new RV (Recreational Vehicle), check your auto insurance policy or this vacation may cost you more then you bargained for.

Some insurance companies will allow you to insure your camper on your auto policy and others may require you to get a recreational vehicle policy. The coverage you are looking for is liability. If you have this included with your auto insurance coverage more than likely the liability will extend to to towing the camper as long as its hitched up to your vehicle.

If you want liability coverage while the camper is unhitched such as at a campground or in storage you may want to check your homeowners or renters policy to see what extension on the coverage you have.

Extra coverage for an RV or Camper is always available if your other two options do not have the coverage you need. You can also purchase comprehensive and collision coverage just like you have with your vehicle and get a separate deductible. Specific questions about your camper or RV would be, what it is made of aluminum, fiberglass etc, the size and length of the vehicle and if its a pull behind.

Contacting your insurance company before purchasing the RV or Camper you are considering is highly recommended to find out just exactly what type of insurance policy you will need. When you purchase, add that policy right away, especially if you are not an experienced driver.  Contact us today with any questions, glad to help.

 

Photo Courtesy of debspoons at FreeDigitalPhotos.net