Is your home policy up for renewal? Here’s what to look for.

If you have expensive valuables—such as jewelry, antiques or art—you’ll probably want to purchase a “rider” to your policy, as these items are subject to coverage limitations in basic policies. Damage to your home or belongings caused by flooding is not typically included in a homeowner’s policy. If you live in an area prone to flooding, inquire about flood insurance through the federal government’s national flood insurance program. Your insurance agent can help you obtain flood insurance. financial

Does the policy cover nursing home care? will it cover assisted living facilities that provide less care than a nursing home? if you want to stay in your home, will it pay for visiting nurses and therapists? what about help with food preparation and housecleaning?.

There are pros and cons to staying with an insurance company for a long time. Long-term customers tend to get preferential treatment, may get better rates, develop a rapport with the service providers, and may be given other perks. However, it is a good idea to look around every two to three years, or if you’ve been given a significant rate increase or unsatisfactory service. As satisfied as you may be with your insurer, from time to time you need to make sure they are being competitive. If you are thinking about looking for a new insurance company, have your renewal documentation in your broker’s hands at least 90 days before the renewal/expiry date of your current policy.

​insurance carriers with approved individual dental policies learn about dental plans available through maryland health connection and enroll flood insurance preparation: whiteboard video flooding and flood insurance: video severe weather and flash flooding: video what to do before a disaster: video que hacer ante un desastre what to do after a disaster: video que hacer despues de un desastre if a tree falls on your property, are you covered by your homeowners policy? video storm damaged vehicles and comprehensive coverage: video there's been a disaster - what should i do? video tips to help prepare for a disaster video do i need flood insurance? video necesito un seguro contra inundaciones: video tips for purchasing flood insurance: video.

Does my auto insurance cover my carpool in an accident?

Drive safely: nothing affects your auto insurance rates more than your driving record. Every time you are responsible for an accident or receive a moving traffic violation you risk having your premium raised or your policy cancelled. Shop around: consumers can increase their odds of getting the best insurance "deal" by getting information about rates, coverage and service from a number of companies and agents. A few phone calls may save you $50 to $100. There are several websites that can provide instant quotes for auto insurance from several companies along with providing contact numbers for local agents. premiums Be wary, however, of buying auto insurance directly over the internet.

Collectibles: Why you may need extra insurance coverage

Review your insurance coverage. What does your insurance policy cover? what does it exclude? the standard homeowners’ insurance policy does not cover flood damage. Check if your policy covers debris removal and sewer back-up. Find out if your policy covers additional living expenses to reimburse you for the cost of living in a temporary residence if you are unable to live in your home. If you have jewelry or collectibles, check the limits of coverage. You may want to buy more coverage for these items. What is your deductible? you will have to pay at least this much if you have a covered loss.

How much life insurance you need can be a tough but crucial question to answer. The industry benchmark is 10 times your annual income, but that can vary depending on your personal circumstances. “how would your family make ends meet if your paychecks stopped coming in? imagine what amount of money would be needed to replace your income each year for the next 20 to 30 years. ”consider other outstanding large debts such as your mortgage; you’ll want to add that amount to your coverage as well. “it’s a good idea to have enough life insurance to cover any debts, like your home mortgage, and then add a little extra coverage to the policy that leaves your family a nest egg.

How to avoid carbon monoxide poisoning at home

To avoid your pipes freezing , keep your thermostat set no lower than 55 degrees fahrenheit and allow warm water to trickle from faucets overnight. Get your chimney cleaned by a professional before using your fireplace. Get your furnace or boiler system checked before you start using heat regularly. Clean the space behind your clothes dryer and remove lint or dust that may have accumulated inside. The cool, dry weather in the fall causes static electricity, creating a risk of sparking a fire. Inspect your smoke detectors and carbon monoxide detectors. Replace batteries as needed and make sure there’s a smoke detector on each floor of your home to be safe.

Five things your home policy won’t cover

How to get your free covid-19 tests as of january 15, 2022, a new federal policy requires health insurers to cover up to eight over-the-counter covid-19 tests per month for each covered member. You can also order four free rapid antigen at-home tests per household directly from the federal government. Insurance department distributes $25 million to arches claimants insurance commissioner jon pike, acting as liquidator of arches mutual insurance co. , by and through his special deputy liquidator stillman consulting services llc, is pleased to announce that checks are being sent to arches’ medical providers for 100% of their approved claim amounts.

It’s always a good idea to keep your home protected from the unexpected, but even more so on halloween when you may have many ghostly guests. Home security systems with cameras or motion-sensitive lights are a great way to proactively keep an eye on your home from anywhere at anytime. American family has teamed up with adt to offer home security products to help you protect the safety of your loved ones and your home. Learn more about the adt smart home security service and how it can keep your home safe. A homeowners policy from american family covers fires, storms, theft, riots, vandalism and more.

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