Life is unpredictable. Things can be going along just great and out of the blue, you are hit with something unexpected. That is why people have insurance, for the unexpected moments in life. Home insurance is there to protect you and your home against hazards that can damage or destroy it. Filing a claim is always stressful and it is at a time like this when a home inventory can take away some of the stress. At Allsurance Group in Spartanburg, SC, the experienced team can help you to understand how to get through a difficult time.
A home inventory is a listing of all the items that you own. You may ask "why do I need to write this down, I know what I own". Most people would respond in that way but think about this, off the top of your head try to write down everything that is in your bedroom closet or your linen closet. Then take what you wrote and compare it to what is actually there. You will be surprised when you compare the list to the actual content. Then try to imagine needing to name the brand of things and when purchased.
When you think about the number of items that you own, it can be overwhelming. By taking the time and inventorying everything you will save yourself a huge headache when it comes time to file a claim for a loss. With electronics and appliances write down brand names and models and included an invoice if you have it or where and when purchased. Your claim will go much more smoothly and quickly if you have this ready to hand over with your claim.
When you are ready to review your home insurance or are looking for a new policy call or stop by the office of Allsurance Group in Spartanburg, SC.
Home insurance is necessary to protect the things we value and our investments. After all, a home is one of the highest dollar purchases we make in our lifetimes. In order to protect our interests, and comply with any financing obligations, a certain amount of home insurance is necessary, but does it cover our personal items inside the home?
What Is Covered?
You may know what the deductible for the home insurance is, and likely what events are covered, but do you know if your personal items are covered? In most cases, you will need contents coverage to protect major appliances and items of significant value that can be appraised or verified. When it comes to clothing and other personal items, they are usually not covered. If you are unsure what your current policy covers or you are shopping for a home insurance policy, be sure to work with an experienced agent.
Working With Your Agent
One of the best ways to protect your home is to work with an agent who knows the ins and outs of home insurance. They can help you identify your current and future coverage needs. Additionally, they can match you with a variety of policies that you can choose from. They explain all of the fine print and the terms and conditions before the purchase so you can be an informed buyer. If you are living in or near the Spartanburg SC area, you can depend on the agents at Allsurance Group to give you the personalized service you need to get great coverage.
Don’t take chances on insurance without the assistance of Allsurance Group, serving Spartanburg, SC, because they can match you with the ideal policy to give you peace of mind. Call or stop by the office today to learn more.
Have you taken the time to check on your Spartanburg, SC home insurance policy lately? If not, you are missing out on a plethora of benefits that are currently available to you. Those who do not take the time to do so could be missing out on advantages that they never realized were available.
Let’s take a closer look at the three best ways for a Spartanburg, SC homeowner to examine their policy:
1. Professional Appraisals
There is no substitute for the professional appraisal when it comes time to double-check a home insurance policy. A building contractor and/or a professional estimator can come to the home and let its owner know more about their insurance policy. If there are any changes that need to be made, the appraiser or estimator is able to provide the necessary insights in as timely of a manner as possible.
2. Software Programs
Did you know that there are software programs that are designed to make this process even easier than you could have ever imagined? By taking the time and effort to put all of the home’s information into a software program that is designed to analyze all insurance-related needs, you can avoid the usual difficulties that are associated with an annual review. E2 Value Pronto is one of the top programs in this regard.
3. Work With an Experienced Agent
Last but not least, the homeowner can take the time to sit down and work with an established Allsurance Group agent who is able to ask the right questions about the property. They will take the necessary notes and keep them safe. If there are any reasonable recommendations that can be made to assist the homeowner, they are offered by the agent.
When it comes time to look over your home insurance policy to make sure that the right one has been obtained, Allsurance Group is here to help. Visit our site today to find out more!
Climate change is bringing more incidents of severe weather. Rain and thunderstorms are becoming more frequent and causing more damage in many parts of the country. South Carolina is not immune to these problems. Be sure to conduct a home insurance review with your agent at Allsurance Group, serving Spartanburg, SC, and the nearby communities, to make sure your home insurance is adequate.
How to Prepare for Storms
Here are some tips of things to do to protect a home from storm damage:
- Roof Maintenance: Keeping a roof in good condition is something that should be done with regular maintenance. Any small leaks can be a source of major damage in a big storm. For shingle and tile roofs, replace any broken tiles or damaged shingles.
- Clean Gutters: Keeping gutters free of debris lets rainwater runs off the roof properly and not collect in a pool on the roof that can cause a leak.
- Repair Downspouts: It is important to make sure any water that comes down from the roof goes properly through the downspouts to flow away from the home. Water that collects at the base of the home’s exterior walls, and then seeps down, can damage the foundation by causing cracks to form during freezing temperatures.
- Sump Pump: For homes with a basement and others with rooms subject to water seepage, be sure you have a sump pump and that it is in working condition.
- Seals Windows and Doors: Be sure the doors and windows have proper weather-stripping and do not leak.
- Siding Maintenance: Keep siding in good conditions through regular maintenance and repair any cracks or loose siding.
- Landscaping: Regularly trim trees. Large trees near home are especially dangerous. Considering cutting them way back or removing them altogether.
- Fencing: Check fence posts to make sure there are no loose ones. Strong winds can uproot them and turn them into projectiles.
- Emergency Generator: Have a working generator for emergency power and fresh fuel supply that is safely stored and ready for use.
- Storm Windows: If a storm is coming, put up storm windows or cover glass windows with strong plywood.
To get a quote for home insurance call 864-641-6371 to speak with your agent at Allsurance Group in Spartanburg, SC or use the online request form.
Home insurance is something that all homeowners can benefit from and having a policy that is tailored to your particular property is a must. Your home policy is going to cover everything in the home, and any seeds that are on your property as well as their contents. For those that live in the Spartanburg, SC area, the agents with Allsurance Group can help you find the policy that works for you.
Home policies cover a huge range of things that you may not even realize, like a shed that is on your property. Sheds are considered to be part of home property which means that if a shed catches on fire or is destroyed, you can claim it on your home policy and can also claim the contents of the shed as well. Your home policy will need to have sheds and any sort of contents named on the policy however in order for you to be able to claim them.
When you take out a home policy you need to establish what buildings are on the property and what the contents of those buildings are valued at. This is a similar notion to insuring a detached garage, you need to name both the building and state how much you want to insure the contents for. When you take a home policy you should allow the insurance adjuster to take a look at the shed and determine how much it needs to be insured for and how much you should insure the contents for as well.
It is always easier to figure out what to insure a shed and its contents with the help of an agent. For those in the Spartanburg, SC area, the agents with Allsurance Group can help you find the policy that covers your home and your shed.
One of the biggest potential mistakes that homeowners make when it comes to making a decision about home insurance is to only get the basic insurance required by the mortgage lender for the property. Studies show that more than two-thirds of American homes are likely to be under-insured. Talk with your agent at Allsurance Group serving Spartanburg, SC and the surrounding areas to understand your home insurance policy limits and to see if you have adequate home insurance.
Avoiding Under-Insurance Problems
The reason why homes are under-insured when having only the basic insurance required by the mortgage lender is that the only amount insured is the balance remaining on the home loan. This insurance only protects the mortgage lender to make sure the home loan balance is paid off if the home is totally destroyed. Obviously, this does little to help the homeowner if their home is destroyed. Any down payment or difference between the value of the home and the remaining loan amount is completely lost causing a huge financial problem for the homeowner.
Replacement Cost Home Insurance
A much better thing to have for the homeowner’s protection is a home insurance policy that covers the replacement cost value of the home. This type of insurance allows a home to be rebuilt to a similar condition after it has been completely destroyed. Also, talk with your agent about flood insurance because this coverage is an additional policy that is separate insurance from home insurance.
Each year, take the time to get an insurance review and explain to your insurance agent anything that has changed during the past year. For example, if you make a renovation on your home, tell the agent about the work that was done and how much you spent on the construction project. The agent will also use a cost-increase factor to recalculate replacement cost because the cost of materials and labor usually increases each year.
When you have replacement cost home insurance, you can rest easy and know that if there is a major disaster your home can be rebuilt without extensive money coming out-of-pocket. Consult with your agent at Allsurance Group in Spartanburg, SC to get a quote for home insurance or to have a home insurance review to make sure your coverage is adequate.
Home insurance is something that you have to have in cases when you have a mortgage on your home. That being said, home insurance covers far more than you might imagine, including your home business in some cases. For those in the Spartanburg, SC area, the agents with Allsurance Group can help you to get the right policy for your home.
Covering your Home Business
Home insurance covers far more than you might imagine. In most cases, your home insurance is going to cover the basic amount of your home as well as what is referred to as the contents of your home. In most cases, contents are lumped together in one large sum rather than specifically parsed out into exact items. In some cases however, as in the case of a home business, it may be more beneficial to take the time to list out each item.
You can be very specific when insuring your home and its contents, and can even go so far as to specifically name items. This is going to be more beneficial for those that have a company that may have very specific or special equipment like printers and computers. Also, if you have inventory that you want to protect, you may want to list the inventory separately. If you have a commercial policy, you can protect your business with it. If you do not however, you can list your business individually to be covered in your home policy.
No matter what you do for your home business, having the right coverage is essential. For those that live in the Spartanburg, SC area, the agents with Allsurance Group can help you find the perfect insurance policy for your needs so that your home business is covered no matter what.
Spring brings with it a renovation bug. You may decide to redo your kitchen, add a deck, or a pool. While you’ll add to your home’s value, Allsurance Group wants you to understand ahead of time that adding a pool to your Spartanburg, SC home can raise your insurance premiums.
Why Does a Pool Cost More?
While an updated kitchen can add to your home’s utility and safety, a swimming pool adds to its liability. The insurance community refers to a pool as an "attractive nuisance." It increases the chance of you needing to file a claim on your homeowner’s coverage.
A pool provides a danger for small children. It also enhances the chances of trespassing. People become tempted to use your pool without permission when you are not home.
The deck you build around your pool can cause a problem, too. If you choose a design with what the insurance industry considers a "risky structural" design, you’ll also see a premium spike. Raised structures, like balconies, increase the risk of falls. That can increase your premium. You can still have it all with proper planning.
Home Improvement Planning
You can avoid a surprise on your bill and still have all the comforts of home. Meet with your Allsurance Group representative first. Discuss the safest deck and pool designs. Also, talk about safety features you can have installed to mitigate some of the liabilities.
You can still renovate your Spartanburg, SC home to your liking. Putting in an extra step of planning with our agents can help you identify safety issues before they become an issue and before they cost you.
Your jewelry, artwork, and other unique collections may be your most valuable possessions. Although you probably attach a sentimental value to them also, your jewelry and artwork may be worth more money too. If you lose your valuables to an unfortunate circumstance, you want to make sure that you can at least receive adequate compensation for them. Even though you will not always be able to replace items that are unique or original, at least you can ensure that you receive monetary compensation.
Most of the time, your homeowner’s insurance policy would cover your losses if they occurred as a result of theft, fire, vehicle damage, water damage due to broken pipes, or other kinds of events. The list of covered events usually includes damage from automobiles, riots, weather-related damage, and even volcanoes. However, flooding is an exception, and if you live in an area of Spartanburg, SC where this is a possibility, you may want to check your policy and make sure you are covered. There are several rivers in the area that could cause your home to be in danger of flood damage.
Additionally, your policy also has certain limits on how much you can recover. If you lose more than the amount specified, you will not be able to receive compensation to recover your loss adequately. Most of your questions about what is covered will be spelled out in your contract, and your representative at the Allsurance Group will be happy to explain any questions you have.
If you have any questions or would like information on how to obtain additional coverage, please call Allsurance Group in Spartanburg, SC today.
Protecting your home and your family’s place of living is imperative for many individuals around the globe. Getting the most protection and coverage without breaking your budget is also often a priority for millions of families worldwide. When you are seeking out home insurance in Spartanburg, SC or around the state, there are a few factors to keep in mind to better understand your home’s insurance policy and what traditional items it may or may not cover, depending on your provider. The more informed you are of policy law in South Carolina, the easier it becomes to make a choice you are confident in any time you are shopping for a new insurance policy and provider. An Allsurance Group agent can help provide the answers you seek if your questions aren’t answered below.
What Traditional Home Insurance Typically Covers
Traditional home insurance policies cover your house and its occupants along with surroundings that may be outdoor but also within your property. Medical payments and bills are also covered if an accident is to occur inside or outside of your home while still on your property.
What Home Insurance Policies Do Not Cover
When shopping for home insurance policies, it is important to consider that there are accidents and incidents that are not typically covered under traditional plans. Sewer backups, earthquakes, and floods are not covered by most home insurance plans. Instead, you are required to opt for additional coverage solutions if you are looking to add an additional layer of protection to your home in the case of a natural disaster. Identity theft is also not covered by most home insurance plans, so it is highly advisable to seek protection from an identity theft protection service or by speaking to your insurance representative about the potential issue. In some policies, dog bites along with swimming pools are not entirely covered, which is why it is imperative to truly know your homeowner’s insurance policy in and out at all times.
Determine which type of home insurance policy is right for you today by contacting Allsurance Group in Spartanburg, SC, serving the state of South Carolina.