Preventing Burglaries and Home Insurance in CT

Like many homeowners, you may be somewhat complacent when it comes to home security protection. The fact is that most people don’t properly engage in it, which is another reason why it not only makes sense to invest in home insurance in ct but to also take measures to prevent break-ins.

Obvious weak points to consider

While the risk of being seen breaking in is often a huge deterrent, most residential robberies actually happen in broad daylight, because a lot of people simply don’t lock their doors and windows. Another problem is that many homes have easy entry points, and a determined thief is probably good at accessing them.

Remember that an open door is an open invitation to a burglar to quickly enter, grab an expensive item, and depart before his or her presence is ever felt. Leaving a ground-floor window open on a hot summer night also provides an undeterred way inside to any thief.

Don’t become an easy target

While we like the idea of updating our Facebook status to inform friends that we’ve arrived in some beautiful and exotic place far from home, sharing such personal information can be a cause for concern. Crooks often target social networks for exactly this type of information, and with the knowledge that a home will be vacant they’ll seize this opportunity knowing that there’s little or no chance of being interrupted.

Locks and alarms help safeguard against intruders

Doors with locks can be something of a deterrent, but a determined burglar can gain entry either by kicking in the door or disabling the lock, so it’s best to address both of those issues. Make sure that the door is either solid wood or metal with a strike plate that is heavy-duty, and best secured with four, 3-inch screws. The lock should be a deadbolt or a knob-in-lock set with a dead latch for added security cialis en ligne pas cher. A strong, solid door with a sturdy lock can help to keep undesirables on the outside.         

While an alarm doesn’t stop anyone from breaking in, it does make a house a less favorable target. An alarm connected to a monitoring company means help will be quickly on the way. Displaying a notice with the alarm company’s name on it prominently outside the house may be a great deterrent. But when articles do get stolen, home insurance in ct can at least recover the replacement costs as stated in your contract.

Insurance Companies in Connecticut for Insuring Vacant Homes

Due to the sagging real estate market of several years ago, many homes that were put up for sale often remained vacated. Sellers, unable to find buyers, had no choice but to leave these properties vacant for months on end. Unfortunately for those owners, an insurance provider would likely drop their insurance policy coverage under these circumstances. This is due to the simple fact that empty homes provide much greater risks according to most insurance experts.

Homeowners looking to insure a vacant home typically have the option of either buying an endorsement to their existing homeowner’s policy or purchasing a separate “vacant home” insurance policy, often available as special coverage through insurance companies in Connecticut. This is important since a vacant house appeals to thieves, as well as vandals, or squatters looking for shelter, particularly in areas with inclement weather.

Vacant homes also present numerous liability issues, including the possibility of injuries to persons while on the property. There’s the likelihood that neighborhood kids might discover that a house is empty and could wind up climbing over a fence and getting hurt. Older kids will often use a vacant home as a place to party and could break windows and be severely cut by broken glass.

Neglected properties also need to be covered

If you know that a house that you own is going to be vacant at some point you should notify the existing insurance agent of the change in the home’s status. This way, they can discuss your options with you, as opposed to you simply assuming that any existing homeowner’s policy will provide coverage under these circumstances.

Most policies have exclusions for homes that have been neglected, or abandoned, so that when a homeowner is not living in their home and doesn’t notify their insurance agent or company that the home is sitting vacant, any claim for property damage or liability under the homeowner’s insurance policy will likely be excluded. As a homeowner you should understand that an existing policy’s terms no longer apply once there is a change in status.

Other insurance options are often available to you. There are insurance companies in Connecticut that offer such endorsements. Most standard policies most likely will not cover certain types of damage once a home does become vacant.

Protecting Your Interests and General Liability Insurance in Florida

No business owner who understands that when a liability issue arises, no matter how much money you save by not carrying the right amount of insurance, the end result is that you’ve placed your business at risk, and quite possibly your personal finances as well. General liability insurance protects your business from claims by any person or business’s claims of bodily injury, along with any associated medical costs and property damage. Your business should not be treated like a casino, because you can’t afford to take that gamble.

Unfortunately businesses are being sued all of the time for things like negligence, libel, slander, property damage, bodily injury, and copyright infringement among other things. And businesses can even be sued in instances when they’ve done nothing wrong. One of the best ways to avoid a lawsuit is to run the safest operations possible, but that still doesn’t mean that an accident or some form of negligence isn’t likely to take place. This is why smart business owners make a point of purchasing general liability insurance in Florida as soon as they are up and running.

Improve safety and reduce risk

Running a safe business is the best type of risk management practice that money can buy. Conducting safety meetings, discussing past issues and finding solutions moving forward will reduce the number of accidents and errors, which is a type of insurance you don’t necessarily have to pay for. Make sure that when an incident occurs, it is fully investigated and documented. This way, you’re likely to avoid a repeat of the issue, because generally people learn from their mistakes.

Things covered by a commercial general liability policy (CGL)

General liability insurance offers some of the broadest business insurance coverage money can buy. It may be included in a business owner’s policy (BOP) or is also available as stand-alone coverage. A few of the risks a business could face that a CGL helps to protect against are bodily injury or property damage, reputational harm, advertising errors, medical payments, and any damages to the premises you are currently occupying. You also have an option to add a business entity or other individual parties to your general liability insurance in Florida, so speak to an agent about coverage options today.

Tips for Reducing Manufactured Home Insurance Costs

Manufactured homes tend to sustain more damage from storms and weather because they are generally less secure than permanent residences and most conventional houses. They also tend to have a high number of building contents claims, the reason being that they often are more accessible to theft. You can help your clients reduce their manufactured home insurance costs by informing them of ways in which they can reduce their exposure to these particular elements.

An inspection can help disclose certain issues and concerns

Having an inspector view the property for issues in security can decrease theft concerns. The inspector may find there are aspects of the home that make it more susceptible to flooding, fires or other types of damage. For example, adding more anti-windstorm technology in the roof could make it safer plus, performing an inspection can be relatively inexpensive.

Make recommended safety improvements

Window replacements will likely save money in energy costs each month. Windows can often be insufficient in older mobile homes, and any improvements can make the home’s value go up, along with lowering insurance premiums. The one-time cost to replace a roof or window can easily be covered through home equity financing, building up the value of the property without a lot of added expense.

Update old security systems

Avoiding a break-in can make the property and tenants/owners feel more secure on a daily basis. Security windows, strong doors, locks and alarms can all reduce the chances of theft and possibly reduce manufactured home insurance costs. Helping clients to reduce their number of claims for any period of time will also pay off in savings. Helping them to avoid claims from theft in an insurance policy will often significantly lower their premiums.

Choose residency in a secure community

Not everyone has a choice in which community in which they live in, but suggesting communities that are more secure than others could provide some positive options. Make a list of communities offering space in the area, as there often is more than just one to choose from. Speak to clients about the relative cost to insure in one area versus another as a possible consideration. You may also help them to find communities located in a safer area geographically, meaning less exposure to risks of flood or fire.

Specialized Homeowners Insurance for High Value Homes

While most homes are sufficiently covered by standard homeowners policies, affluent home owners often need extra coverage. Multi-million dollar homes and estates need a higher level of coverage that can protect the entire property, and the owners appreciate the extra levels of security that high value plans offer.

Special Insurance

Properties with a high value often have insurance needs that extend beyond the home itself. While affluent homeowners insurance in PA offers high limits to cover the loss of the home, the policies can also cover servants areas, guesthouses, any outbuildings on the property, entrance gates, security systems, and landscaping.

Specialized insurance can also extend to valued contents in the home, such as jewelry, precious metals, money, and valuable papers. There is even protection available for the personal belongings of any domestic help.

Other Coverage

Affluent homeowners insurance in PA offers full service protection for clients. Liability claims can be devastating to those with a lot of assets, and homeowners insurance can provide sufficient coverage for both property damage and bodily injury. Service also includes loss control services and crisis response for those who want it. Other services may include art removal, security assistance, and identity theft coverage.

Affluent homeowners insurance in PA offers more than just protection against home loss. It also offers a peace of mind and personalized service for high value clients.

Manufactured Home Insurance Companies and Specific Perils

Manufactured homes, more commonly referred to as “mobile homes,” are looking a bit more like conventional homes today, with many having or installing everything from fireplaces to basements. Manufactured home insurance companies sell policies that provide coverage similar to that of regular homeowners.

Since many manufactured homeowners are typically lower income individuals, there can be some difficulties associated with obtaining insurance. These difficulties can include finding coverage for older manufactured homes, including some policy limitations such as issues relating to water damage.

Dealing with water damage

One of the major difficulties with obtaining insurance for manufactured homeowners has to do with coverage to deal with loss due to water damage. Some manufactured homeowner insurance companies may have exclusions with regards to water damage. This type of limitation may invalidate coverage for many mobile homeowners, including those that purchase older manufactured homes.

The three types of pressures caused by flooding are hydrostatic, hydrodynamic, and debris impact. Some of the damages that may occur to a manufactured home from the pressures include:

  • Lateral displacement of walls and floors
  • Cracking of wall finishes
  • Saturation of soils causing footings to become unstable and fail, and
  • Flotation causing the support system to become unstable or the anchoring system to fail

As difficult as it may be to find manufactured homeowner insurance, there are policies out there that will provide homeowners with an adequate level of protection.

Fire concerns

According to the National Fire Protection Association (NFPA), the top cause of fires in manufactured homes is electrical distribution equipment, which means that most mobile home fires can occur more easily when no one is home, allowing the damage to spread unimpeded.

Your policy will provide coverage for your mobile home, along with other structures and belongings against specific risks. If you have a covered loss, you’ll have coverage for the cost to repair or replace the damaged property, minus depreciation, up to the amount of insurance you carry. The policy also provides coverage for common perils like:

  • Fire or lightning
  • Theft or vandalism
  • Wind or hail
  • Damage from frozen plumbing, and
  • Spoilage of refrigerated products due to power outage

Manufactured home insurance companies can provide you with quotes on a policy that will aid you if you ever experience any damage or destruction of your precious property. Speak to an agent today!

Does Your Orlando Home Need Special Insurance Coverage?

When you purchase insurance for your Orlando home, you might need to cover more than just a house. Pools, fences, and storage on your property all need to be included in your policy. Your Orlando homeowners insurance may only minimally cover these parts of your home, and some assets might not be covered at all. You may need to explore insurance policies that include special coverage.

What Assets Need Special Coverage?

It is important to consider all parts of your home that need coverage. Think about all of the structures on your property that are valuable even though they are not part of the house. Many homes in the area include pools, screened-in porches around the pools and sometimes even pool houses that may not be automatically covered in homeowners policies. Even houses without pools often include valuable assets such as fences, seating areas and other buildings for outdoor entertainment. The lush vegetation that thrives in the Florida climate sometimes requires larger homes to build outdoor facilities for lawn care. Older Florida homes often have detached garages or RV storage.

Though you may not think of these structures as assets different than your home, accidents or other incidents that affect the structures might not be covered as part of your homeowners policy.

How Can I Make Sure I Am Adequately Covered?

Orlando homeowners insurance can be tailored with special coverage for assets on your property other than your house. Find an insurance agent who will discuss your outdoor structures, determine your special coverage needs and make sure you are adequately protected.

Having Sufficient NJ Home Insurance Policy Coverage

If you live in New Jersey and are planning to remodel your home, or have just finished adding a bathroom or putting in a new deck, now might be the time to review your NJ home insurance policy limits. When you do review your policy remember that there’s a difference between the cost to buy and the cost to rebuild. Therefore, you can’t simply rely on your home’s market value to set your insurance limits.

By having an appropriate amount of insurance coverage you’ll be able to rebuild your home in the event of a total loss. However, that replacement value depends on the physical characteristics of your home, as well as the price of labor and materials in your area. It’s important to realize that, in most areas, these costs increase with time.

Understanding your coverage needs

The right agent can estimate the typical cost of rebuilding your home based on the average costs of materials and labor in New Jersey. However, this number won’t necessarily reflect any major upgrades you may have made to your home or the cost of replacing any of your home’s unique features, unless you specifically inform your agent about these major upgrades. For a less than exorbitant fee, you can hire a building contractor that can help you decide what might work (in terms of cost) for whatever remodeling job you may wish to have done.

Performing a home inventory is recommended

Most insurers would recommend doing a thorough inventory of your home’s contents. Compare the value of your belongings to the contents, or personal property limit listed in your NJ home insurance policy, and make sure that they match up. You and your agent should do a review and make sure your belongings are fully covered. This can help to determine how much coverage you’ll need in the event of a total loss due to fire, or some other catastrophe.

Using a video camera is perhaps the easiest way to do an inventory of your home. That way, you can record, as well as describe, items as you walk through your house. A video camera and a home inventory checklist will provide a thorough overview of your valuables. Store your video or photo inventory off-site, so you won’t lose it if your house is completely damaged.

What Basic Coverage Does Homeowners Insurance Typically Cover?

Owning a home brings with it many responsibilities, some of which many first-time homeowners may be unaware of in the beginning. Insurance is an important thing to consider when you buy your own home. If any damage happened to your home, how would you afford the repairs? With all of the different coverage options that are available, it can be difficult to know what basic coverage homeowners insurance in VA typically means.

Consider Special Needs

With basic homeowners insurance policies, you can usually expect some coverage for:

  • Fire
  • Theft
  • Injury of Others
  • Rain Damage
  • Breakage
  • Hail
  • Wind
  • Broken Pipes
  • Tree Damage

Although this might seem like it covers everything, the specifics of every policy differ. The amount of coverage can change depending on the policy you are considering. You also want to consider special needs, such as if you own dogs, have a pool, run a business from your home, own horses, or are at any risk for flood.

Talk With an Agent

Speaking with an insurance agent can help you get a better understanding of what sort of homeowners insurance in VA you should be considering. There are many factors that go into determining your various levels of risk. If you are a new homeowner and are looking to get adequate coverage for your property, find a reliable insurance company to discuss your needs today.


photo credit: Katowice Nikiszowiec | Kattowitz Nikischschacht (license)

Pennsylvania Homeowners Insurance and Fracking Issues

In recent months, there have been news reports, and even a documentary or two exposing concerns and the possible dangers of “fracking” activities. This is due in part to the rumblings about the expected flood of litigation created by the energy industry’s increased use of fracking in the production and recovery of oil and gas.

While litigation is a huge talking point, though, only a few actual suits have been filed. Moreover, this risk is one that should be carefully considered by the insurance industry and how it may affect your Pennsylvania homeowners insurance policies.

What exactly is fracking?

Hydraulic Fracking is a technology developed by the energy industry that allows energy producers to extract oil from places where, in the past, it was either too expensive or too difficult to otherwise retrieve. It’s a technology used to extract natural gas, and oil, that lies within a shale rock formation thousands of feet beneath the earth’s surface. Now that fracking is being are doing in some states, including Pennsylvania, there are exposures and risks should an accident occur. As we know from several widespread environmental cleanup cases of the last several decades, for instance, the BP oil spill, defense costs in connection with these types of lawsuits can easily run into the millions of dollars, and are often greater than the actual indemnity risk. Consequently, the initial issue, regardless of the risk of liability, will be the duty to defend those suits.

Do Pennsylvania homeowners insurance cover claims resulting from fracking?

This is a significant area of concern and one you should get answers to. Are property insurance claims by homeowners affected by fracking activities? In addition to potential groundwater contamination leading to bodily injury claims, some homeowners may suffer various forms of subsidence or well water contamination.

While your insurance policy provides coverage for your home and other property structures for direct physical loss or damage to the property during the policy period, it may exclude events such as contamination of land or water serving residents, as well as settling, cracking, shrinking or other types of harm that may be alleged by homeowners near fracking sites. Be sure to speak to a reputable insurance agent about any questions or concerns that you may have.