Residential coverage protects against damage to or destruction of your residential structure. If your home is destroyed by a tornado, fire, or what disasters your policy covers, the insurance company can completely replace or cover the repairs to your home.
In this section of coverage, the most important reason to keep your homeowner’s insurance policy updated is because, in the event of disaster, the insurance company will only reimburse you for what your home is insured for, what you have on the policy.
For example, you purchased your home and homeowner’s insurance say five years ago. It is very likely the value of your home has increased since the purchase date. If you purchased the home insurance policy five years ago and have not updated the policy to the home’s current cost to rebuild, the insurance company will only reimburse you for the price you paid five years ago. So, if you purchased the home for $300,000 and the value has increased to $400,000, you’re losing $100,000 – quite a large sum.
In the end, it is essential to keep your homeowner’s insurance policy updated because you want to be sure your home is insured for 100 percent of the replacement cost. (Some policies automatically update to your home’s current value. Does yours?) While it is easy to let that dust settle over your policy from year to year, keep in mind that putting it aside could cost you much more in the end. Your homeowner’s insurance policy may make heavy reading, but it will be even more burdensome should it be out-of-date.
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.
Your cute little puppy is a great addition to the family. Your new bouncing bundle of joy puts a smile on your face until you find him happily chewing on your shoe, or the leg of your chair. This you can control, but what about when your puppy gets bigger and decides to tear up your neighbors flower bed or possibly bites someone?
As much as we train and love our pets, we do have to have protection for the the not so proud moments that can happen. It is a good idea to be vigilant about your dog’s interactions with visitors to your home. Typically, the liability portion of your home insurance coverage should cover the actions of your pets if they damage items that you don’t own or if they injure people who do not live in your house.
Be aware that there are certain types of pets that can make it difficult to obtain home, renters or condo insurance. Dog bites make up one-third of all homeowner insurance liability claims, according to the Insurance Information Institute. According to the Centers for Disease Control and Prevention, “about 4.5 million people are bitten by dogs each year and about 885,000 require medical attention for these injuries; about half of these are children.”
In general you can purchase home insurance protection for your pets indiscretions for most types of domestic pets. Some insurance companies will provide you a list of certain types of dogs that they may consider not insurable. What they are basing their information on is the breeding history, temperaments and the risk factors. So, if a particular dog breed has a documented history of attacks or bites, some insurance companies may consider this risk to be too high, thus causing the company to deem the breed UN-insurable.
Common dog breeds that are often not considered insurable include:
* Alaskan Malamute
* Chow Chow
* Doberman Pinscher
* German Shepherd
* Pit Bull
* Presa Canario
* Siberian Husky
* Staffordshire Bull Terrier
* Wolf hybrids
Exotic animals, such as snakes, tigers, etc., also may fall in the not-insurable category. Check with us today to see if owning any of the pets above has limitations. When you apply for home insurance, disclose information about any pets you have to ensure your policy will properly cover you involving your pet.
If you have old appliances, you may want to consider changing them out for new ones before the busy season starts or making repairs and upgrades to the ones you already own.
This may sound expensive, but keeping up with old appliances can save you money in the long run and now with so many energy efficient appliances to choose from, if you can afford it, change it an appliance for a new one.
If your refrigerator is not running properly your food will spoil quicker and that is not only a waste of food but a waste of your money. The culprit to look for first is that seal around the doors. If you have a spill or crumbs that build up then your seal will not work as it should. A sticky spill will lead to the seal pulling away from the door every time its opened. This allows warm air to get in your fridge keeping the motor running to keep the temperature where it needs to maintain it. To help your fridge stay at its best, its as simple as catching those spills and keeping the seals wiped down with warm water and soap. Also wiping down the fridge at least once a month will help extend the life of your refrigerator.
Oven needs a cleaning
Your oven will get quite a work out with cookies and treats to main course roasts and turkeys. This can lead to spills or grease build up which can lead to fires. The one time out of the year you will want to turn on the self cleaning cycle is January after the holidays or anytime you do a tremendous amount of cooking. Clean up as you go and catch those spills that you may have missed and prevent any potential hazards.
Prevent Rust in the Dishwasher
Check out eh vinyl coating on your dish racks. After much use the vinyl can peel exposing the metal which leads to rust. This can cause pieces of your dish rack to fall apart resulting in a new dish rack or worse the pieces falling into your pump causing breakage. Catch that peeling vinyl right away with a vinyl touch up coating like Plastic Dip Dishwasher Re-Rack
Contact an appliance company in your area to see if they will take your old appliances and maybe even offer you a deal
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 find insurance that meets every budget!
Ashley Bishop Owner/Agent
Budget Bi Rite Insurance, Inc
Serving All of Florida
Have you noticed a difference in the performance in your dryer? Are your clothes taking longer to dry or come out hot but still damp when the timer goes off that they are done? You may have a clogged dryer vent and that can lead to shutting down your dryer, or worse a fire..
A friend of mine noticed that her clothes were taking longer to dry over the past month and when doing laundry the other day, the dryer just shut down. The dryer is only 2 years old and this could have been prevented. She contacted an appliance repair company who came out and told her the motor had burned up. The cause, blocked dryer vent that goes up through the attic to the outside the top of the roof.
This happened because when lint builds up in the dryer or in the exhaust duct, it causes excessive heat to build up and in this instance the dryer motor shut down. What could have been worse, if the motor had not shut down it could have resulted in a fire that could get out of control very quickly.
Instead of replacing the dryer, and having the motor replaced, the cost of repair still exceeded the price of having a dryer vent maintenance check. Having this done at least once a year will give you peace of mind for the safety of your home and family, maintaining the care of your dryer and less out of pocket expense.
If you have a laundry room that has the dryer vent go up through the attic and out through the roof, or you notice the same problems as the warning signs below check your dryer vent and consider a maintenance check on that vent. The repair comapany informed her to have it cleaned out every six months (depending on how often you use your dryer), to at least once a year.
Here are some warning signs you should look out for.
Clothes taking longer to dry
Dryer is very hot on top
Very little or no lint in the lint trap
Dryer stopping anytime during a drying cycle
Lint left on clothing
Moldy odor from clothes
Higher Light Bill from running the dryer more
Here is a list of things you can do to help cut down on the lint build up.
(This does not assure build up will not occur and a 6 Months to a Yearly maintenance check is still advisable).
Check your lint screen before and after each load of clothes to dry and clean thoroughly
Keep dryer area free of clutter and piles of clothes on top of dryer
Clean behind and underneath the dryer for lint build up
Replace flexible tubes with ridged metal ducts to get less build up, clean up easier and will stand up to a lint fire much better
Wash clothes that have been soiled with gasoline, cooking oil or other flammable liquid at least 2 times. Hang dry. Your dryer could start and auto ignition reaction that could cause a fire.