Insurance Blog

Getting a homeowners quote can only take a few minutes when you have all of your information at hand. Knowing the details of your house, including what kind of safety features you have installed, may help you qualify for money-saving discounts and help ensure that you choose the coverage that meets your needs.

There can be more questions involved in getting a homeowners quote than a car insurance quote, so it can be helpful to gather your paperwork and be ready to answer specific questions about your home in advance. Here’s a checklist to help you get started.

  1. Who lives at your house? You may be asked for contact information about you and anyone else who lives at your house, how long you’ve lived there, your marital status, whether you run a business from the home and whether you own a dog or any pets. 
  2. What’s your insurance history? It’s good to be ready with details about your existing coverage, if your home is already covered by homeowners insurance. Do you have a mortgage on the home? Are there any prior insurance claims? How much would it cost you to rebuild your home?  
  3. What’s your house like? You’ll likely be asked a series of questions, including the year your house was built, the type and age of the roof, the style of the home, its exterior finish and whether or not you have a garage. You’ll also probably want to know the square footage of your home and may be asked for details on the number of bathrooms or fireplaces. This information helps determine the cost to rebuild your home and may help with determining the amount of coverage that fits your needs. 
  4. What improvements have you made? If you have made upgrades to your home since you bought it, such as replacing the roof, installing a central air system, finishing your basement, remodeling a kitchen or other updates that increase the value of your home, your existing homeowners policy may not reflect the current value and replacement cost of your home.  
  5. What kind of safety devices do you have? If you have certain safety devices, including smart or connected home technology, a security system or fire sprinklers, you may qualify for a discount on your insurance.

Having all of this information ready to go can make it easier for you to get a quote and can help you get coverage to protect you and your family that fits your needs. Contact us to help your with your homeowners insurance quote.

 

Source: Travelers Insurance

The “seasonal 7” is the average number of pounds people gain between Thanksgiving and New Year’s Day.

Consider these tips during the coming weeks:

  1. Try a little bit – If tempted by a tasty confection, only try a small portion. Keep healthy snacks handy to nibble on. 
  2. Eat throughout the day – In anticipation of an evening party, thinking “I won’t eat during the day, so I can fill up tonight” will lead to overeating. Instead, eat breakfast and lunch as always, then munch on something healthy before the party.
  3. Take a seat – You’re more likely to eat only what’s in front of you if a sit-down dinner is served instead of a buffet at a party. 
  4. Enjoy the conversation – Get-togethers are about socializing, so don’t make food the only reason to go. Talking more and eating less can help you control your weight. 
  5. Have fun – That’s what the holidays are about! Balance delectable treats with healthy foods, like fruit salad or raw vegetables.
  6. Choose wisely – Don’t let being worn out from activities such as shopping make you forget good eating habits. Choose healthy dishes if you’re ordering out.
  7. Meet Jim – Actually, it’s Gym. Fitness Center. Exercise Room. Call it what you like, but it can be among your best friends any time of year. Consult your physician before beginning a diet and exercise regimen.

Visit the Centers for Disease Control and Prevention (CDC) online for tips on healthy eating. And, of course, we hope you enjoy the holidays!

Tuesday, 03 October 2017 17:25

Generator Safety

EMERGENCY GENERATOR SAFETY

Did You Know?

The capacity of a generator is calculated in watts. For instance, you may own a 2,000-watt generator. Therefore, if you have an appliance that requires 120 volts and uses 10 amps, the appliance will require 1,200 watts of power. By doing this calculation, you can determine what appliances can safely run on your generator.

Use these safety tips when operating your generator:

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