What’s Under Your Roof?

A Home Insurance Review

Have you ever stopped to think about all the things that could cause damage to your home and personal property? Probably not, but we think about your personal insurance coverage every day. Your homeowner’s insurance is designed to protect you from claims that can come from many different events. We can design a homeowner’s insurance product that fits your individual needs. Here are a few of the kinds of events that can be covered under your roof.

Damage To Your Home Can Include

Fire and smoke damage

Lightning strikes

Falling objects

Explosion

Vandalism and malicious mischief

Theft

Windstorms and hail

The weight of ice, snow or sleet

Water damage

Damage from an aircraft, car or vehicle

What is Not Covered Under Your Roof

A standard homeowner’s insurance policy will not cover; earthquake, flood, wear and tear, damage from animals, mold, acts of war, government actions, tenant damage, defective work, plus others.

Personal Property

Your homeowner’s insurance can also cover your personal belonging. This might include; cloths, furniture, and other items.

Do You Have A Leak In Your Roof?

Do you have coverage for additional living expenses if you are required to move out of your home while it is being repaired? If you own guns, art, or other collections, you may need additional coverage. Is your expensive jewelry cover while away from your home? If you don’t know the answers to these questions, call us today.

Driving Safety Tips

Auto Insurance Update

Summer has arrived and many people are hitting the road.  In the summer months driving time increases, so it is important to be a defensive driver.  In addition, in the summer, thousands of young, inexperienced drivers are on the roads, increasing the risk of accidents.  We all want to have a safe and fun-filled summer, so here are some driving safety tips to ensure that your summer is truly enjoyable.  Remember, we have access to very competitive auto rates, and we offer great service at affordable prices.

Summer Driving Safety Tips

Do not drive if you are tired.

Keep your tank full of gas.

If it just rained, the road can be slick from road oils and water.

Wear sunglasses help cut out glare.

Watch for construction zones, as roadwork increases in the summer months.

Never text and drive, and always wear your seatbelt.

Bicycles and motorcycles are sharing the roadways.  All drivers must be carefully educated to watch for, and avoid, bicyclists and motorcyclists.

Make sure your brakes are working correctly.

It is important to use your headlights in the daytime, not so much, so that you can see, but so that other cars can see you.

Check your tires, and make sure they are fully inflated.

 

Remember weather conditions can change quickly, so plan extra time to get where you are going.  Don’t ever assume your time on the road will be uneventful. You could be stuck in traffic for extended periods, so it is always a good idea to travel with water and some energy bars.