1. Flood Insurance

Usually home insurance policies do not cover flood damage. If you live in an area prone to flooding or even experience heavy rainfall, flood insurance could save you from massive repair costs. Flood insurance covers damage to floors, walls and your belongings when water levels rise. Without this coverage, you might end up paying for all flood-related repairs on your own.

2. Earthquake Coverage

Earthquakes aren’t covered by most standard home insurance policies either. Even if you live in an area that doesn’t frequently experience earthquakes, you never know when a sudden tremor could strike. Earthquake coverage helps rebuild or repair your home after a quake. It also covers the cost of replacing lost or damaged personal items.

3. Sewer Backup Protection

Sewer backups can happen due to heavy rains or clogged pipes, leading to wastewater flooding your home. This damage can be severe and expensive to repair. Adding sewer backup coverage to your policy ensures you’re protected from the price of cleaning and repairing floors, walls and ruined belongings. It also helps cover any extra living expenses if you need to stay in a different place during repairs.

4. Personal Property Endorsements

Standard home insurance has limits on personal belongings. High-value items like jewelry, antiques, or collectibles might exceed those limits. If you have expensive items, consider adding personal property endorsements. This coverage increases the limit on your valuable belongings, ensuring you receive proper compensation if they are stolen or destroyed.

5. Umbrella Insurance

Sometimes, a serious accident on your property can lead to massive liability claims that exceed your policy limits. Umbrella insurance offers extra liability coverage, protecting you from legal costs if someone is hurt on your property or if you cause an accident away from home. An umbrella policy acts like a safety net, kicking in after your standard liability coverage runs out.

Basic home insurance is an excellent start, but it may not cover everything life throws at you. Floods, earthquakes, sewer backups, high-value items and large liability claims can leave you financially vulnerable without the right add-ons. By considering flood insurance, earthquake coverage, sewer backup protection, personal property endorsements and umbrella insurance, you can fortify your home against costly surprises. Talk to us to see which add-ons fit your location and lifestyle. With these extra coverages, you’ll enjoy peace of mind knowing that your home and your wallet are secure.

1. Crime Rates and Safety 

If you live in an area with high crime rates, your home insurance will likely cost more. Homes in areas with a lot of theft or vandalism are riskier for insurance companies. This leads to higher insurance premiums.

2. Weather and Natural Disasters 

Some places are more likely to experience natural disasters like hurricanes, wildfires or floods. If your home is in a high-risk area, your insurance rates will reflect that. Homeowners in these areas may need additional coverage, such as flood insurance.

3. Fire Protection Services 

Living close to a fire station can actually help lower your insurance premiums. When emergency response times are quick, the area is seen as safer, which minimizes the risk of significant fire damage. This reduced risk can help to lower insurance rates overall.

4. Cost of Living and Rebuilding Expenses 

In high-cost cities, repairing a home after a disaster can be more expensive. When construction and labor expenses are elevated in your area, insurance companies tend to set higher premiums to account for potential repair costs.

Your ZIP code is more than just a simple numerical address; it plays a crucial role in determining your home insurance premiums. Various factors associated with your geographical location such as the crime rate, the likelihood of natural disasters and the proximity to emergency services can profoundly influence your insurance costs. 

While you may not always have the power to choose your residence, gaining insight into these elements can empower you to discover potential savings on your insurance policies and enhance the protection for your home. Understanding the intricacies of your ZIP code can ultimately lead to more informed decisions in safeguarding your property.

1. Water Leaks & Burst Pipes

A small leak might initially seem harmless, but if ignored, it can lead to serious water damage. If you notice a leak:

• Turn off the water supply immediately. Every home has a main shut-off valve—make sure you know where it is!
• Use towels or buckets to contain the water while you wait for a plumber.
• For small leaks, a plumber’s tape or a temporary patch can help until a professional fixes the issue.

A well-maintained home means fewer unexpected issues. Regular plumbing checks can save you from bigger troubles down the road!

2. Power Outages

Power outages can happen due to storms, overloaded circuits or electrical issues. Here’s how to stay prepared:

• Keep flashlights and extra batteries in an easy-to-find spot.
• Disconnect major appliances to prevent damage when the power is restored.
• If the outage is localized to your home, check your circuit breaker—sometimes, flipping a switch can solve the problem.
• If the outage is widespread, report it to your power company and wait for updates.

Having a backup power source like a generator, can keep essentials running during extended outages.

3. Kitchen Fires

A fire in the kitchen can escalate quickly, but staying calm is key.

• For grease fires, NEVER use water—it can make the fire worse! You can extinguish the flames by covering them with a metal lid or by using baking soda.
• For electrical fires, unplug the appliance if safe to do so and use a fire extinguisher.
• Always have a working fire extinguisher in the kitchen and know how to use it.

A home with proper safety measures gives you peace of mind. Smoke detectors and fire extinguishers are must-haves!

4. Gas Leaks

If you smell gas in your home, act fast:

• Open doors and windows to ventilate the space.
• Do NOT turn on electrical switches or use open flames.
• Evacuate the area promptly and call the gas company or emergency services.

A well-maintained home is a safe home; schedule regular gas line inspections to prevent leaks.

5. Lockouts

Getting locked out is frustrating but there are solutions:

• Check if a window or back door is unlocked (without breaking anything!).
• Keep an extra spare key with a trusted neighbor or family member who resides near your area.

Your home should be secure but accessible when needed. A little preparation goes a long way!

Emergencies happen, but being prepared can help you handle them with confidence. Taking care of your home—whether through regular maintenance, safety checks or emergency planning—ensures it remains a safe and happy place for you and your family.

Home isn’t just a place; it’s where you feel secure. Stay prepared and your home will always be your safe haven!

1. Light Up Your Exterior

Burglars prefer the cover of darkness, so good outdoor lighting is your first line of defense. Install motion-sensor lights around entry points like doors, windows and the garage. These lights turn on when they detect movement, surprising any would-be intruder. If you already have porch or yard lights, consider using smart bulbs or timers to ensure they turn on at dusk and off at dawn, even when you're not home. A well-lit property makes burglars think twice about targeting your home.

2. Secure Your Doors and Windows

Weak entry points make it easier for intruders to break in. Reinforce your doors with sturdy deadbolts and strike plates. If your doors have glass panels, use shatter-resistant film or install security bars. For windows, invest in quality locks and consider adding window sensors that alert you when they're opened. Another great option is installing laminated glass, which is harder to break. Don't forget to lock everything, even when you're home—an unlocked door or window is an open invitation for trouble.

3. Use Smart Technology

Smart home devices are game-changers when it comes to security. Video doorbells let you see who's at your front door, even if you're miles away. Indoor and outdoor security cameras deter burglars and provide valuable evidence in case of a break-in. Smart locks makes you to lock and unlock your doors remotely, ensuring your home is secure even if you forget your keys. Many devices also send instant alerts to your phone, keeping you informed of any unusual activity.

Protect Your Peace of Mind

By lighting up your property, reinforcing doors and windows and embracing smart technology, you're taking crucial steps to keep your home safe. As a trusted home insurance company, we're here to ensure that you have the coverage and support you need even if the unexpected happens. For more tips and peace of mind, contact us today!

1. Inspect and Maintain Your Roof

Your roof is your home's primary defense against winter storms. Before snow falls, check your roof for loose or damaged shingles, cracks, or leaks. Clean out your gutters and downspouts to make sure water drains properly. This refrains ice dams, which can cause water to leak into your home. Investing in roof repairs now can save you from costly damage later.

2. Seal Windows and Doors

Drafty windows and doors can make your home uncomfortable leading to higher energy bills and possible water damage. To address this issue, use weather stripping, caulk, or foam sealant to fill any gaps. Additionally, installing storm windows or using plastic window insulation kits can offer an extra layer of protection against cold weather and wind.

3. Prepare Your Plumbing

Frozen pipes are a usual issue during winter storms and can cause serious water damage. To prevent this, insulate pipes in unheated spaces like basements, garages, and attics. On very cold nights, keep cabinet doors open to let warm air reach the pipes. You can also let faucets drip to help stop them from freezing.

4. Trim Trees and Secure Outdoor Items

Heavy snow and ice can bring down tree branches, which may break and potentially damage your home. Trim any branches that are too close to your roof or power lines. Additionally, secure or store outdoor furniture, decorations, and tools to prevent them from becoming projectiles during high winds.

5. Ensure Your Heating System is Ready

A functioning heating system is critical during winter storms. Keep your furnace or boiler serviced by a professional to ensure it's operating efficiently. Check your chimney and fireplace for any obstructions, and stock up on firewood if you plan to use it as a heat source.

6. Invest in a Backup Generator

Winter storms often cause power outages, leaving homes without heat, light, or functioning appliances. A generator can provide temporary power to essential systems, keeping homes safe and comfortable. Ensure you have sufficient fuel and that the generator is in good working condition.

7. Review Your Insurance Policy

Finally, take a moment to review your homeowner's insurance policy. Ensure it covers winter storm damage, including issues like roof collapses, burst pipes, and power outages. If you need more clarification about your coverage, speak with us to understand your policy and explore additional options if necessary.

Stay Safe and Celebrate Worry-Free!

Taking proactive steps to protect your home from winter storms can save you stress, money, and time during the holiday season. By following these tips, you'll be better prepared to weather the storm and focus on what truly matters—celebrating with your loved ones in the comfort of a safe, cozy home.

Remember, your home is one of your most significant investments, and protecting it should be a priority. Stay vigilant, stay prepared, and enjoy the holiday season with peace of mind!

1. Inspect and Seal Windows and Doors  

Drafty windows and doors let in cold air and drive up heating bills. Check the frames for cracks or gaps, then caulk or weatherproof them. This quick fix not only keeps your home cozy but also saves on energy costs.  

2. Clean Gutters and Downspouts  

Your roof may sustain damage from ice dams created when water freezes in clogged gutters. Take some time to clear out leaves, dirt, and debris. Also, ensure downspouts direct water away from your home's foundation.  

3. Check Your Roof  

Snow and ice can be heavy, so your roof needs to be ready. Inspect for missing or damaged shingles and replace them before the first snowfall. While you're at it, clean off any debris to prevent water from pooling and freezing.  

4. Inspect Your Chimney and Fireplace  

If you're lucky enough to have a fireplace, get your chimney cleaned and inspected before lighting that first cozy fire. A little upkeep goes a long way because creosote accumulation can cause chimney fires. 

5. Service Your Heating System  

Your heating system works overtime in winter, so make sure it's in top shape. Schedule a professional tune-up and replace filters. This will keep your system efficient and reduce the risk of breakdowns during a cold snap.  

6. Test Smoke and Carbon Monoxide Detectors  

Winter means closed windows and increased heater use, which can lead to more risks. You need to ensure your carbon monoxide and smoke detectors are working. Replace batteries if needed, and consider adding detectors if your home doesn't already have them.  

7. Stock Up on Supplies  

Prepare for snow days and power outages by stocking up on essentials like flashlights, batteries, blankets, and non-perishable food. Don't forget rock salt or sand to prevent icy walkways.  

8. Review Your Home Insurance Policy  

Winter can bring unexpected damages, such as roof leaks, burst pipes, or falling branches. Review your home insurance coverage to ensure coverage for such events. If you're unsure about your coverage, now's the time to contact your insurance agent.  

Throughout the winter, you can maintain the safety and security of your house according to this checklist. Taking a little time to prepare now will help you avoid stress and costly repairs later. So grab a cup of hot cocoa, check off these tasks, and enjoy a cozy, worry-free winter!  

Here's the reality: most standard home insurance policies cover certain natural events like windstorms or hail damage, but they often exclude some of the most devastating disasters like floods and earthquakes. If you live in an area prone to these events—or are concerned about their growing unpredictability—now is the time to consider adding extra coverage.

What's Covered Under Standard Home Insurance?

A typical home insurance policy might protect your property from damage by fire, theft, vandalism or even certain types of storms. However, the key word here is "certain." While windstorms may be included, floods and earthquakes are often excluded, and if you live in a disaster-prone area, this exclusion could leave you facing huge out-of-pocket costs.

What About Floods?

Flooding is a very common and costly natural disaster in the U.S. Just a single inch of water can cause significant damage, often totaling thousands of dollars in repairs. However, most standard policies do not cover floods. You might think, "I don't live near a river, so I'm safe." But flash floods, urban flooding, and even storm surges can occur unexpectedly.

Earthquake Coverage

If you're on the West Coast or near fault lines, earthquake coverage is another crucial add-on to your policy. Like floods, earthquakes aren't typically included in standard home insurance policies. Given the potential for catastrophic damage, earthquake insurance can provide peace of mind, covering structural repairs, personal belongings, and sometimes even temporary living expenses.

Hurricanes and Wildfires

While wind damage might be covered for those living in hurricane-prone areas, you'll want to check your policy carefully. Some policies have high deductibles for windstorms, particularly in coastal areas. Additionally, damage caused by storm surges (a result of hurricanes) often falls under flood insurance, not your standard policy.

Wildfires are another growing concern, particularly in the western U.S. While many home insurance policies cover fire damage, coverage may be more expensive or limited in high-risk areas. If you live in a wildfire-prone region, speak with us to ensure you have the right coverage in place.

Unsure if you're fully protected? Contact us to review your policy and discuss additional coverage options. Whether it's a flood, earthquake or another type of disaster, knowing you're prepared is worth the peace of mind. Don't wait until it's too late—take steps today to safeguard your home and family against whatever Mother Nature may throw your way.

After all, it's better to be safe and covered than sorry.

1. Initial installation and setup

The initial cost is the installation expense, which can vary depending on the pool type—above ground or inground—and the materials used. An inground pool installation can range from $35,000 to $100,000 or more. Then, there is landscaping, decking, fencing and possibly even changes to your home's exterior to accommodate easy pool access. These initial costs are just the beginning.

2. Maintenance expenses

Regular maintenance is necessary to ensure that the pool water stays clean and the equipment operates efficiently. This includes daily tasks like skimming debris off the surface and weekly responsibilities such as checking pH levels and applying chemicals. Additionally, you'll need to invest in seasonal maintenance, including opening and closing the pool, which can involve hiring professionals.

3. Increased utility bills

Running a swimming pool requires more electricity and water than most new owners anticipate. Your pool pump and heater are the primary culprits for increased electricity use. Depending on your local utility costs, your electricity bill will increase by $100 to $300 monthly during the swimming season. Additionally, filling up the pool and regular water top-offs due to evaporation can significantly impact your water bill.

4. Repairs and replacements

Pool equipment, like any mechanical system, has a lifespan. Pumps, heating systems, liners, and filters will all eventually need repairs or replacements. These costs can vary, but repairs are not unusual to run a few hundred dollars and major replacements to easily exceed a thousand.

5. Liability for accidents

With a pool comes the increased responsibility for the safety of anyone who uses it, regardless of whether they were invited. Accidents can happen, and when they do, you could be held liable, which might lead to costly legal proceedings. Ensuring you have adequate liability coverage in your home insurance is crucial.

Owning a pool is undoubtedly enjoyable but also a significant financial commitment. Before you plunge, ensure you are fully informed about all the hidden costs. By being proactive, especially regarding insurance, you can enjoy your pool with peace of mind, knowing you're well-prepared for the financial implications.

1. Location

Location is the mantra in real estate for lifestyle, resale value and insurance premiums. Homes which are located in areas prone to natural disasters like floods, hurricanes or wildfires may experience significantly higher insurance rates. For example, a beautiful beachfront property might offer the dream of ocean views but come with hefty insurance costs due to the high risk of flooding or hurricane damage.

2. Age and construction of the home

Older homes ooze charm and history but can also ooze higher insurance premiums. The age of your home affects insurance rates due to older electrical, plumbing and HVAC systems which pose a higher risk of causing fire or water damage. Modern homes built with newer, more durable materials and up-to-date safety features benefit from lower insurance costs.

3. The roof over your head

The condition and material of your roof play a pivotal role in determining your home insurance premiums. A new, well-maintained roof offers better protection against environmental elements, leading to potential discounts from insurers. On the other hand, poor-quality roofs can significantly increase your insurance costs.

4. Proximity to fire services

How quickly a fire department can get to your home in an emergency can also impact your insurance rates. Homes that are closer to a fire station or in a community with a professional (rather than volunteer) fire service may receive lower insurance quotes. This is because the potential for mitigating extensive fire damage is better, reducing the risk and subsequently, the cost to insure.

5. Smart home technology

On a positive note, incorporating smart home technology can lead to savings on your homeowner's insurance. Features like security systems, smoke detectors, leak detectors and smart locks not only enhance the safety and efficiency of your home but are also viewed favorably by insurance companies. These technologies reduce the risk of theft, fire and water damage, potentially lowering your premiums.

What can you do?

If you're in the market for a new home or even if you're looking to reduce the costs of your current home, it's wise to speak with us about how your home choice impacts your insurance rates. Understanding these hidden aspects can influence your buying decisions and allow you to budget more effectively for future costs.

So, before you fall in love with that charming old house or the cozy spot near the river, consider how your home's location, age, construction and features could affect your wallet through insurance costs. Your realtor might not tell you these secrets but a simple conversation with us could open your eyes and lead to substantial savings. Make the call—it could be your most financially savvy move before signing on the dotted line!

1. You haven't adjusted for depreciation

Many homeowners overlook the impact of depreciation on their possessions. If you initially insured items at their purchase price, you might be overpaying to cover their now-depreciated value. Regularly updating your inventory to reflect the current value of items rather than their original cost can reduce premiums and ensure you're staying under-insured.

2. Your coverage doesn't match your needs

It's common to set up an insurance policy and forget it as years pass. However, as your life changes, so should your insurance. Suppose your coverage still needs to be revisited to account for things like renovations, the acquisition of significant items, or changes in local building costs. In that case, you might be over-insured or under-insured. Conduct an annual policy review to ensure your coverage accurately mirrors the current value of your home and possessions.

3. You're unaware of the discounts you qualify for

Insurance companies frequently offer discounts for measures that reduce risk, such as installing security systems, smoke detectors, or storm shutters. Discounts are also available if you have multiple policies with the same company. If you haven't talked to us about available discounts lately, you might miss out on savings. Use your policy's annual review to inquire about applicable discounts.

4. Your deductible is too low

Choosing a higher deductible can substantially lower your monthly premiums. Although this approach increases your out-of-pocket costs if you need to file a claim, it can be more economical over time, especially if you reside in a low-risk area or have adequate financial reserves. Evaluate your financial circumstances to see if raising your deductible is feasible to reduce your insurance expenses.

5. You haven't updated your credit score

Many insurers use credit scores as one indicator of a policyholder's risk, assuming that higher scores correlate with more responsible behavior. If your credit score has improved since you last secured or updated your home insurance, you could be eligible for lower rates. It's beneficial to check your credit score annually and inform your insurer of any improvements, which could help reduce your premiums.

Being a homeowner comes with many responsibilities, including maintaining adequate insurance. However, you should still pay. By actively managing your policy, assessing your coverage needs and keeping informed about your entitlements, you can ensure that your home insurance provides the necessary protection without straining your budget. Stay vigilant with these checks and balance your coverage to avoid overpaying for home insurance.