Tag Archives: home insurance

“What If” Wednesday: Are You a Seasonal Homeowner or a Snowbird?

snow bird homeowners insuranceFor most of us, Labor Day means the end of summer. Whether you are a seasonal homeowner or a snowbird, now is the time to winterize your home. So before you head South or stay in your Michigan home, plan accordingly to avoid damage and expensive repairs in the spring.

To assist you in this process, here is a helpful checklist:

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“What If” Wednesday: Safety Tips for Your Next Barbecue

Barbecue fireWhat if…You just got done grilling this amazing meal, went inside to eat only to come back out to put things away and the now the siding on your house is melted!

Backyard barbecues often create treasured memories with friends and family.  However, when you grill, you’re literally playing with fire. Thousands of residents each year learn this the hard way, suffering damage to their homes or even serious injuries in grilling accidents.

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“What If” Wednesday: Does a Home Addition affect my Policy?

What if… I add an addition onto my home; do I need to contact my agent regarding my home insurance?

Most likely, the addition you’ve added to your home has increased the value of your home and your home insurance should be re-evaluated.  It is also important to contact your agent with any updates you’ve done to your home (ex. new roof, updated plumbing, new furnace and/or air conditioning, updated wiring).  These updates and upgrades could result in additional discounts and could make a difference in the total amount of insurance you carry on the dwelling portion of your homeowners insurance.

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“What If” Wednesday: Missing Diamonds and My Home Insurance Policy

What if… I go to get my diamond earrings out of my jewelry box only to find them missing?   Will my home insurance policy cover this?

A typical homeowners policy does not cover your jewelry for “mysterious disappearance.”   You will need to purchase a jewelry floater (or schedule your jewelry) on your homeowners policy for “mysterious disappearance” to be covered.

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“What If” Wednesday: Does My Home Insurance Policy Cover Sewage Damage?

Does my home insurance policy cover sewage damage?What if… I come home to find standing sewage in my basement?  Is this covered under my home insurance  policy?

Damage to your home and furnishings caused when sewage backs up into the home is not covered by standard homeowners insurance.  You may purchase insurance protection separately, or as an additional endorsement to an existing home insurance policy subject to certain conditions, limitations, or exclusions.

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“What If” Wednesday: Water Damage and Your Home Insurance Policy

Home Insurance - does it cover water damage?What if…I wake up on a cold winter morning to water all over my bathroom floor?

First:  Turn off the water at the source!

Second:  Remove the water on the floor to prevent further damage.

Third:  Call a restoration company if needed…you may be able to save any carpet or flooring damaged by the water.

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“What If” Wednesday: Is My Mother’s Home Covered if she no longer Resides There?

What if …. My mother can no longer live alone in her home and has moved into assisted living? My son is staying in her home.  Since her homeowners insurance is paid, will her coverage remain the same?

Because your mother is no longer “residing” in her home, you should check with your insurance provider as most homeowners policies provide coverage for the dwelling “where you reside.”

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“What If” Wednesday: It Might Be an Ice Dam!

Home Insurance MichiganWhat if…after a heavy snow, I start noticing some water damage on the ceiling in the living room?

It might be an Ice Dam!   An Ice Dam is a cycle of melting and refreezing snow that accumulates on your roof, caused by the outside temperature and the temperature of the air in your attic.  As the “dam” continues to rise in height, the melting snow behind it can leak under your shingles causing water damage to your ceiling.

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5 Tips to Get Your Home Ready for Winter

It’s getting chilly outside!  As the temperatures drop, homeowners must prepare for winter.  Here are 5 tips to help you ensure a safe and claim-free winter:

1.   Be sure to turn off your water system if you leave for vacation, or if you own a seasonal home.  This helps to prevent pipes from freezing or bursting.

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Tips for Hazard-Free Holiday Decorating!

The holidays are a time to create wonderful, fun-filled memories.  Many of us spend time cooking, decorating our homes, giving gifts, and entertaining.  It’s also extra important to be vigilant, and take care to avoid fires and accidents this holiday season.

Holiday Decorating

Cheery lights, an evergreen tree, and a cozy fire in the fireplace are holiday essentials to many of us.  Let’s keep safety in mind as we decorate this season.

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