 Due to the stay-home orders which have been in place for months now, insurance companies are receiving several claims from not unusual, but uncommon, damages. This led to some important information you need to know to help keep your home safe.
Although Fire Safety was covered in our Jan. 2018 blog post, we need to reiterate some of that information here, mainly, keeping the batteries changed in your smoke detectors. One of the biggest sources of fires outside of winter months are candles. Therefore, it is imperative you do not leave candles burning unattended! Also, keep candles away from drapes, towels, rugs, and other flammable items. Another cause of fire claims lately – Dryer Vents. Dust and Lint are fire hazards so keeping your dryer vent clean and clog-free will help alleviate heat build-up which could result in a fire.  If you’ve ever needed to make a change to your insurance policy or done research into adding coverage, you may have heard the terms Rider and/or Endorsement and wondered, What is the Difference?
In this post we’ll explain and hopefully you’ll feel better informed when it comes to your insurance policies.  Image by Plume Ploume from Pixabay We’ve shared with you the importance of understanding your home owner insurance policy as well as different types of deductions you may be entitled to under said policy. We’ve also given some advice on travelling smart, fire safety tips and vacation preparedness to help protect your home, especially when you’re away.
Today let’s talk about the importance of insuring a vacant home. First though, we’ll look at some instances when you may have a vacant home to insure…..  Much like home insurance, a mobile home policy insures against losses from fire, windstorm, hail and other standard perils.
Let’s look at a few differences in a Home and Mobile Home Insurance policy….  Images by JL G from Pixabay You’ve purchased your homeowner policy, documented all your contents and personal property and you feel good knowing you’re protected.
Then you have a loss and find your priceless artwork, firearms and electronics are not covered to their full value. Little did you know, but you should have had a Scheduled Personal Property endorsement to cover these items. In this article, we’ll talk about the categories of personal property and the special limits of liability that are on each on a standard homeowner policy. |
Tommy Curtis
Is an insurance agent with integrity and your best interest in mind. Call to speak directly to him. Contact us Phone: 337-433-1683 Address: 509 7th Street Lake Charles, LA 70601 Office Hours: M-F 9a - 5p (CST) Follow Us
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