Category Archive Homeowners Insurance Policy

Protecting Your Home From Heavy Rains: What To Do Before the Storm Hits

You can’t control nature, but you can take charge of how you respond to the threats it poses. In fact, the actions you take before bad weather hits can make the difference in whether or not your home is damaged, destroyed, or unharmed. Here are a few things you can do before bad weather hits to help boost home protection against heavy rains.

Elevate Vulnerable Items

Basements and crawl spaces are particularly vulnerable to flooding. This is where you want to start when it comes to getting things up off the ground. Look at valuable and sensitive items first. Elevate safes, electronics, and appliances so they are at least a foot above the floor. 

Inspect Home Systems

Do an inspection of your home well before the weather hits. This will help identify any potential weak points so you can fix them before it is too late. It is a good idea to check:

  • Gutters and downspouts
  • Roofing and siding
  • Sump pumps
  • Window and door seals

You may not be able to protect your home from every storm that blows through. However, the right insurance policy can help you repair any damage that does happen, or rebuild if your home is completely destroyed. Be sure to share your concerns about storm damage with your insurance agent to ensure you have the right coverage. 

Homeowners Insurance Policy

Should You Purchase Both a Homeowners Insurance Policy and a Home Warranty?

Owning a home involves a significant financial investment. Indeed, it’s the largest expenditure most people make in a lifetime. Homeowner’s insurance policies and home warranties can help you to protect this investment. While both of these products provide coverage for your home and your possessions if an emergency occurs, they do so in different ways. Knowing the differences between a home warranty vs home insurance can help you to decide what type of plan is right for you.

What Is a Homeowners Insurance Policy?

Homeowners insurance is a type of property insurance. It will pay the cost of repairing or replacing the structure of your home and your personal belongings in the event of:

  • Storms
  • Theft
  • Fire
  • Some forms of water damage
  • Other natural disasters

A plan will also protect against third-party claims of bodily injury occurring in your home.

What Is a Home Warranty?

Unlike homeowners insurance, a home warranty will not cover the structure of your home or your personal possessions. Instead, it pays for the repair or replacement of your home’s major components, such as plumbing, electrical wiring, cooling and heating systems and certain appliances, should they stop working. However, it is important to note that a warranty will not provide coverage should these be improperly maintained.

You’ve invested time and money in your home. Unfortunately, unforeseen damages and breakdowns can easily occur. Homeowner’s insurance policies and home warranties can help you to cover the expense of restoring your home, its components and your personal possessions.