September 2019

Avoid Common Home Insurance Claims with These Tips

Your home is your castle. While many homeowners think of home insurance claims as only possible from mass-destruction events, such as hurricanes and tornadoes, the most common claims are the ones that homeowners least suspect. Fortunately, many home insurance claims can be entirely preventable. To protect your castle, take a look at these home insurance claims that are preventable.

• Loose/damaged washing machine hoses

Unfortunately, the nature of the washing machine makes it possible for disasters to occur – alternating water temperatures, shaking machines, and containment in low-traffic areas. To prevent claims, it’s wise to replace plastic hoses at least every three years and inspect them regularly for any damage.

• Roof damage

Most home insurance policies will offer coverage for roof deterioration caused by unpreventable triggers, such as vandalism or fire. Unfortunately, leaks and pest infestations can weaken a roof and cause more damage in the event of a disaster. Basics roof maintenance, such as gutter cleaning and shingle replacement, is key to a longer life.

• Cooking/candle fires

Open flame (or gas) is often necessary for cooking, warming, and illuminating the house. Next to water damage, fire devastating is the number one source of homeowners insurance claims. You can prevent fires by taking care in the kitchen, placing candles away from children and pets, and switching to electrical tealights.

Make sure you have a homeowners insurance that you can rely on. Need help finding adequate insurance? Contact Abatelli Group, Inc., serving Whitestone and neighboring cities in New York with the right and reliable coverage.

Reasons Why You Need Renters Insurance Coverage

If you’re a renter and own things, you need renters insurance coverage. Yet, many renters overlook this coverage, believing that they have too few possessions or think that coverage is more expensive than it is. Renters insurance is designed to provide help when you need it the most, and it can protect your belongings and wallet when the worst happens. There are a few broad reasons to purchase renters coverage, including the ones below.

Protection from theft

If your precious belongings are stolen or vandalized, your renters insurance coverage can help to repair or replace these items. What’s more, this coverage works outside of your home. Even if you’re on a flight to Miami and your laptop gets stolen from the overhead locker, your coverage will step in to help with a replacement.

Protection from fire

Renters insurance can help to cover your belongings if they are destroyed in a fire or damaged from smoke. Whether you cause a fire because of an unattended candle or your neighbor falls asleep with a lit cigarette, your insurance can step in to help. Renters insurance can pay you for your loss and pay for a place to stay while the damage is repaired.

Personal injury

While visiting your apartment, your neighbor trips and injures themselves in your place. Whether they got injured or their property gets damaged while in your apartment, you could be held responsible. Renters insurance can help to cover their medical costs and more.

Ready to get started on quality renters insurance coverage? Contact Abatelli Group, Inc., serving Whitestone and neighboring cities in New York with the right and reliable coverage.