A homeowners insurance policy protects your home and belongings against damage caused by theft, vandalism, and natural disasters. Do you want to know what types of natural disasters are covered by home insurance? Continue reading to learn more.
A basic homeowners policy covers natural disasters, such as:
Remember that if your pipes freeze or ice builds up on your roof due to poor maintenance, coverage may be denied.
A basic homeowners insurance policy will not cover the following natural disasters:
However, you can buy additional endorsements to stay covered against damages and related losses resulting from these perils.
While natural disasters are unavoidable, staying prepared can help mitigate resulting losses and damages, especially if you live in high-risk areas.
As a first precautionary measure, learn about the most common hazards in your state here and be prepared accordingly.
Next, ensure to:
During natural disasters, an emergency pack should have everything you’ll need to survive for several days, including:
Creating a disaster plan will help protect you and your family when a disaster strikes.
Your disaster plan should include:
If you are looking for comprehensive home insurance coverage at an affordable rate, contact us today at Abatelli Insurance Group. We will tailor coverage for your property based on your vulnerability to natural disasters and other risk exposures, ensuring that you are adequately protected.
Just like for any other type of policy, your homeowners insurance costs can increase over time. However, there are several ways to keep your premiums manageable and still have the level of coverage you need to feel secure and protected. Something as little as improving your credit score can keep your premiums low.
The following tips will not only lower your home insurance premiums but will also give you peace of mind.
Install a home security system with surveillance cameras that gives you the option of having a third-party monitor your home or allows you to monitor it on your own. Many home security systems also have environmental sensors that inform you if temperatures rise or fall unexpectedly in your home. Home automation is also helpful in getting the lights turned on and off on schedule. A quality home security system can be purchased for less than $300.
Increasing the amount of your deductibles will help lower your premiums and keep them more affordable. The more you are willing to pay out of pocket when you file a claim, the lower your monthly premium will be. You will also be able to save money if you choose to pay your premiums semi-annually or annually. Managing your premiums is much easier when you understand how your deductibles work and the many options you have when it comes to paying them. Moreover, you can adjust your deductibles at any time.
Your homeowners insurance is an investment that will protect your financial security. Before purchasing your homeowners insurance policy, make sure to check out several different ones. Talk to different insurance providers to find out what each one has to offer. You may be surprised at what each one has to offer for the same price. Most of them will give you the option of adding specialty policies for events like hurricanes, floods, or earthquakes. When you talk to an insurance provider, make sure to tell them about all of the different coverages you will need as part of your homeowners policy.
Bundling your home, auto, boat, or other policies together not only minimizes the amount of administrative work but also helps manage multiple policies in one place. Talk to your insurer to learn which policies can be bundled, the premium to be paid, etc.
Lowering your homeowners insurance costs is easy if you know where your risks are and how you can best prevent them. Contact us at Abatelli Insurance to set up a review of your existing policy or to get a quote for a new one. Each of our agents has special training to help you find the right home insurance policy to meet all of your needs at an affordable price.
Every homeowner needs homeowners insurance. The reason for this is that it guarantees the financial protection of their home and personal belongings.
In this article, we will discuss the basics of the standard homeowners insurance policy and what it covers.
Homeowners insurance is a policy that protects your home and belongings from damages or losses caused by covered perils, including theft and fire. It may also cover the costs you incur if a guest sustains an injury at your home or you accidentally cause damage to another person’s property.
A standard homeowners insurance policy does not have a specific cost. Instead, you can determine how much coverage you want to purchase and at what price. The cost of coverage will depend on several factors, including the features of your home and the value of your personal belongings. You also have to consider the type of insurance coverage you want.
A typical homeowners insurance covers the following:
A typical homeowners insurance covers a wide range of perils such as fire, theft, lightning strikes, hails, windstorm, etc. However, it does not cover floods and earthquakes. Consequently, you need to purchase special insurance policies to protect your home from these disasters.
This is one of the most important coverages offered by a typical homeowners insurance policy. It covers the repair or replacement of the damages to your housing structure due to some of the aforementioned perils.
Apart from damages to the structures on your property, the typical homeowners insurance also covers all the personal belongings within your home. These include your clothing, jewelry, and electronics. In short, homeowners insurance offers protection from thefts or damages to your personal items upto a certain limit. You can also buy extended coverage for items such as jewelry, fur, and watches with values above your personal property coverage limits.
Homeowners insurance also covers damages to other structures on your property not attached to your house. For example, a detached garage, fence, and tool shed.
Finally, a homeowners insurance policy covers you when a guest is injured on your property and sues you for their injuries. It covers your legal expenses as well as the related medical bills of the guest if you are found guilty.
In conclusion, homeowners insurance is an effective safety net for the unexpected perils your home and personal belongings may face. Therefore, purchase one today if you don’t already have it. At Abatelli Insurance, we can provide you with customized coverage for your homeowners insurance needs. Contact us today to get started!
As a new homeowner, particularly of a new house, you might believe your house doesn’t need any improvements or repairs. While a newer house may not have experienced the same trials as an older one, there may still be imperfections and other problems that have to be addressed.
During the pandemic-induced lockdown, most homeowners realized the importance of investing in home improvements and repairs. This is especially true of remote workers who, having to spend more time indoors than outdoors, invested significantly in the improvement of their interior decorations and furniture. Some even spent more money on the purchase and maintenance of both office and home equipment.
The following are a few tips that you can follow for improving or repairing your home
1.Inspect your home down to the structural aspects and create a list of maintenance and repair costs. By doing this, you will learn more about the condition of your home. You can even hire professionals or licensed inspectors to do the inspection for you so as not to miss out on anything.
2.Make adequate plans and schedule your home improvements and repairs based on priority. Once the full inspection is done, start working on the prioritized recommendations and schedule your home repairs/improvements accordingly.
3.Perform maintenance at specified intervals or hire a professional to take care of inspection tasks. This will prevent repairs from piling up and will keep you on your toes about what needs to be improved or repaired in your home. The goal is to do this regularly rather than to wait for major disasters to worsen the damages.
4.Schedule replacements of things that need to be improved or repaired. You can do this by setting aside savings for home appliances and replacing them after they reach a certain age. Doing so can prevent collateral damage caused by any failures of their systems.
Being proactive towards home improvements and repairs has its own benefits, including a longer home lifespan and a more enjoyable home to live in. Some other benefits include:
1.Protection during emergencies: Making sure you’re on top of the improvements and repairs required in your home can save you from having to pay expensive fees for emergency repairs. You should also keep your warranties handy in case of an emergency.
2.Prevention of avoidable disasters: Regular maintenance of your home can also help avoid disasters like flooding caused by burst pipes and other related repairs.
As a homeowner, the best thing to do is to be proactive towards home improvements and repairs. This will help you live more comfortably and without the worries of emergency breakdowns. If you are looking for reliable home insurance in Whitestone, Flushing, Bayside, Little Neck, and surrounding cities of New York, you can check us out at Abatelli. We will help you find a suitable insurance policy for your home in no time. Contact us today!
Winter is coming and with it comes cooler temperatures and the potential for storms to wreak havoc. If you haven’t properly prepared your property for these cooler months, then now is the time to do so. Leaving your home unprepared could result in property damage and digging into your pockets to get back on your feet. Take a look at these tips on how to prepare your property and prevent damage during fall and winter.
If there are leaks in the windows, then you can expect a chillier home this winter. There are many seal repair kits available at local hardware stores that will stop breezes flowing through your windows. Do the same for doors – check if there are leaks and seal them up. If a window is improperly sized, cracked, or broken, it may need to be replaced. Doing this helps to keep the cool air out in winter and the warm air inside.
Every six months, replace batteries in all the detectors in your home. Test them to ensure they are in good working order. Remember that you should have an alarm on every level of the house. If you do not have a fire escape route planned out, now is the time to draft one up.
With fall comes cooler temperatures. One of the main vulnerabilities in cold weather is pipes. However, winterizing pipes is one of the easiest, most valuable ways to protect your property over winter. Fit insulation around pipes to prevent them from freezing. Give priority to the pipes that are closest to the outdoors and are exposed, such as those in the garage and underneath the sink. Now is the time to turn off the water to any area that won’t be used, and to check pipes for cracks that could grow into a significant leak.
Trees, believe it or not, can cause a great deal of damage come winter. Wind from winter storms and the weight of snow and ice combined with cold temperatures causing branches to break can crash into your home. To avoid this, trim dead and dying branches around your property. If you have tree limbs hanging over your home, now is the time to remove them before they crash down. It’s also important to keep water away from your home. Ensure the gutters are clear of debris and that downspouts are directed away from the home’s foundation.
A roof inspection may not be on the top of everyone’s fall maintenance checklist, but it should be. Your roof is the first line of defense against harsh winter weather, and you want to be sure it is up for the task. Take a look to see that the roof has no broken tiles or cracks. Any missing shingles should be replaced immediately, as the last thing you want in winter is rain coming in through the roof. Checking the roof also gets more dangerous the wetter and colder it gets, so it’s best to check it now before the weather turns.
No one wants their home to be damaged by cold weather or to submit an insurance claim in winter, for that matter. But just in case you do face this situation, you will want to know exactly what your policy covers. Give your insurer a call to go over the specifics of your policy and make sure you ask about common winter damage. This could unearth some key coverage that you are missing but you thought you had. Fill in the gaps with riders or extra insurance to ensure you are covered.
How are you protecting your home from fall and winter damage this season? Let us know! Want another great way to protect your home? Secure reliable homeowners insurance that protects you through disasters. Call one of our trusted advisors at Abatelli Group, Inc. We are ready to get you the protection and peace of mind you need.
The start of summer means people are readying themselves for upcoming vacations. Every year, between June and August, families, couples, and individuals opt to enjoy their summer in a foreign location. While you may be packed and ready to go, do you know to protect your home while away on vacation? A few safety precautions and quality homeowners insurance know-how will help to leave your home safe while you’re out of town.
Put these do’s and don’ts into practice so that you can kick back and relax on your vacation knowing that your home is safe and sound.
These tips can help assure you that your home is ready for you to head out on holiday. Make sure that your home is protected with the right home insurance policy. Contact Abatelli Group, Inc. for a proper policy on your insurance needs in Whitestone, New York.
Home insurance has very specific and unique vocabulary that can make understanding it fairly difficult. Policies can vary to fit the needs and budget of every policy holder, so coverage can vary widely between policies. If you have never read your policy from cover to cover, it’s recommended you set aside some time and do so. Here are a few tips on what to look for when you review your home insurance at renewal.
When it comes to your homeowners insurance, make sure that you’re protected for everything you need. Make sure that your home is protected with the right home insurance policy. Contact Abatelli Group, Inc. for a proper policy on your insurance needs.
After another long and hard winter, spring has arrived. The days last longer and the temperature is increasing a little bit each and every day. But as the temperatures shift, so does the weather. It may not be snow, but rain can affect your home in more ways than you may think. Here are a few home maintenance tips to help your home welcome the new season.
These tips can help assure you that your home is ready for the spring showers and sun. Make sure that your home is protected with the right home insurance policy. Contact Abatelli Group, Inc. for a proper policy on your insurance needs.
A changing climate means more severe weather, which includes heavier snow storms. The power of snow storms can stop entire cities from operating as snow covers the roads and deters people and companies from getting from Point A to Point B. Before one strikes the Whitestone, NY area and leaves you stranded in your own home island covered in a sea of snow, make sure that you prepare with time. Here are a few tips on how you can prepare for a snow storm.
Listen to Your Weatherman (or Weatherwoman)
Your weather station will surely warn you of a possible snowstorm days in advance. If your weather station has a snow storm alert, make sure to prepare for it if you haven’t already.
Cold temperatures are great for some unique outdoor activities: snowball fights, sledding, ice skating, making snowmen, and other fun activities. But outside of play, living in the cold can be rough. Luckily for us, we do not have to live in the cold; humanity can do what no other animal can do: change our environment to suit our comforts. If our homes are not properly ready for winter, we can essentially rack up our heating bill and waste a lot of energy. Here are a few winter home maintenance tips for your home.