Category Archives: Homeowners Insurance

Let’s Party! Top Tips for a Fun and Safe Summer

man grilling food on barbecue | Kemner Iott Benz

Whether a graduation party, backyard barbecue or 4th of July celebration, summer is party time in America, especially in Michigan where the “good” weather season seems too short.  When trying to fit in all the outdoor activities, don’t overlook these important safe practices.

Did you know that July is the peak month for grill fires?  Roughly half of the injuries involving grills are burns. Practice these safety tips and you should be on your way to safe grilling:

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Do You Have an Unoccupied Home? You May Need Vacant Property Insurance

old abandoned house | Kemner Iott Benz

Having a vacant property increases your risk for financial loss. Consider the catastrophic loss that would occur if the vacant home that you’re trying to sell was destroyed. There’s also the risk of other significant losses from vandalism, break-ins, fires, smoke damage, and water damage. These types of risks can be reduced with vacant property insurance.

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Keep Your Home Based Business Healthy with an Insurance Check-Up

woman working on laptop at home | Kemner Iott Benz

Home-based businesses are key drivers of the U.S. economy with an estimated two-thirds of all small businesses starting (and many continuing) their operations in the home of their owners. Although having a home-based business, like Avon, Tupperware, Rodan and Fields can provide great benefits and freedom, it also brings with it additional risks, which are often underestimated by even seasoned entrepreneurs.

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Own a Drone? You Might Need a Drone Insurance Policy

Boy with red shirt flying a drone | Kemner Iott Benz

Drones were one of the most popular holiday gifts last year, opening a whole new world of fun, adventure and, yes, liability risk for their owners. As the popularity of drones, or Unmanned Aircraft Systems (UAS) continues to rise and the cost of ownership decreases, questions about insurance for drone-related mishaps and damage are likely to arise.

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Posted in Homeowners Insurance, Personal Injury Insurance, Umbrella Insurance | 1 Comment

Tips to Turn the Tide in Your Favor Following a Flood

Flooded neighborhood | Kemner Iott Benz

You’ve likely seen recent images of devastating floods that have occurred across the Midwest and other parts of the country. While no one can really predict the likelihood of a flood in Michigan, Ohio and Indiana, it’s still a smart idea to know what you should do if a flood occurs in your hometown.

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Stay Safe This Thanksgiving! Avoid Fire Insurance Claims with These Tips

home cook holding pot on fire | Kemner Iott Benz

Thanksgiving is almost here and with it comes family, friends, feasts, festivities…and fires? Yes. Unfortunately, according to the American Red Cross, Thanksgiving Day has the highest rate of house fires compared to any other day of the year. Many of these fires stem from the kitchen, where preparations for holiday meals can cause flames that get out of control quickly. Thankfully, avoiding any fire insurance claims on Thanksgiving is a matter of paying attention while you’re cooking and using the following fire prevention tips:

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Homeowners: Avoid Harrowing Horrors with These Halloween Safety Tips

close up of pumpkins on a table |Kemner Iott Benz

Halloween is a time for treats and spooky tricks—all in good fun, of course. While it can be one of the most entertaining times of the year, Halloween also brings with it seasonal hazards that pose risks for homeowners. From candles in jack o’ lanterns to dark driveways and dangling decorations, it’s important to make Halloween safety a top priority, especially if you plan to invite trick-or-treaters to your door. To help you avoid any harrowing horrors inside or outside of your home this October 31, check out these Halloween safety tips:

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Spring Clean Your Coverage with an Annual Insurance Review

Annual Insurance Review Season | Kemner-Iott

While many of us are highly motivated to spring clean our personal property, we’re often less proactive about having an annual insurance policy review. However, the practice of reviewing your insurance policies and coverage every twelve months is recommended by financial experts as the best way to keep your coverage current and to ensure that you have the protection you need for your assets and your family.

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Posted in Auto Insurance, Homeowners Insurance, Life Insurance, Seasonal Tips, Umbrella Insurance | Leave a comment

Umbrella Liability Insurance Fills the Gaps that Can Put Your Financial Security at Risk

contentThey’re definitely nightmare situations: You’re driving your car or boat and you cause an accident that critically injures one or more people; or, a contractor doing work on your home trips on the carpet and sustains life-changing injuries. As if being liable for these accidents isn’t bad enough, think about what would happen if the families of those injured sue you for millions of dollars in damages and legal fees. If you don’t have the money to pay these obligations, you are likely to have your future wages garnished, which can spell financial ruin now—and for years to come.

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Posted in Homeowners Insurance, Insurance Agency, Life Insurance | 1 Comment

Are You Renting Out Residential or Vacation Property? Reduce Your Risks with These Tips

If you’re thinking about making a living (or at least a little extra money) by renting out residential properties that you own, or if unforeseen circumstances (such as higher than expected costs for a vacation home or being unable to sell your home after buying a new one) are forcing you to consider becoming an “accidental” landlord, it is important to do an insurance review to properly protect yourself and your property. Otherwise, you may end up with more hassles and expenses than you bargained for.

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Posted in Homeowners Insurance, Insurance Agency, Seasonal Tips, Summer Safety Tips | Tagged | Leave a comment