Remodeling? Keep rebuilding cost in mind

home-remodeling

Make sure the insured value of your home
keeps up with your home remodeling plans.

While stuck indoors this winter, did you look around and plan any home projects? Whether you do it yourself or hire a contractor, remember to update your homeowner insurance as you increase your home’s value.

The Coverage A limit on your homeowner policy is the amount of insurance you have to reconstruct your home in the event of a total loss. All costs associated with replacing or rebuilding your home are considered when developing this Coverage A limit. When you make changes that increase the value of your home, you may also need to increase the coverage limit.
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Coping with loss in a catastrophe

tree-down-on-wires

Safety should be the No. 1 priority
after a natural disaster.

Protecting yourself and your family is your first priority when your auto, home, business or personal property is damaged or destroyed by a tornado, hail, flood or other catastrophic event. Promptly treat any injuries. Remain calm and carefully survey the damage.

Be cautious during post-catastrophe activities to avoid injuries during rescue attempts and cleanup. Watch for downed power lines, gas leaks and electrical hazards that could result in fire, explosion or electrocution. Listen to local officials and emergency management personnel, who can assist you with locating emergency medical treatment, temporary accommodations, clothing, food, water and other needs. Read More

Invest your time with an independent agent

Avoid insurance gaps by discussing your needs with your agent.

Avoid insurance gaps by discussing your needs with your agent.

When you’re purchasing insurance for your home or business, the most important investment you make is not the premium you pay, but the time you spend with your agent.

Once every three years, at least, sit down with your independent agent and get some good advice.
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When water is not your friend

Automatic shut-off systems can help prevent costly damage or frustrating cleanup.

Automatic shut-off systems
can prevent costly damage.

Refrigerators, water heaters, dishwashers, washing machines and toilets can be sources of leaks that can cause significant damage if not detected early.

A burst pipe with as little as a one-eighth-inch crack can release 250 gallons of water a day, according to the Insurance Institute for Business and Home Safety.

The most effective way to prevent costly water damage in your home is to install a leak detection and water shut-off system. There are several levels of protection that can meet the needs and budgets of all homeowners: Read More