We’ve heard lots of renter horror stories. Someone may break-in your apartment and steal valuables or a collapsed ceiling in a rented townhouse may ruin the furniture. Broken water pipes may flood the whole apartment and leave the renter without a place to live. These incidents make renters insurance a necessity wherever you live.
Childproofing can be a difficult task. It is an ongoing process of making sure that your children are safe at home or while visiting another home. An excellent approach to childproofing your home is to put yourself in your child’s shoes. Look around and ask yourself questions like “What happens if I crawl in there?” or “Can I put this thing in my mouth?”
October is here! And it’s time for scare pranks, spooky costumes, and haunted houses. It’s that time of the year where we anticipate the spookiest holiday. Younger ones get busy thinking what to wear to costume parties. Kids get excited for trick-or-treating. Meanwhile, homeowners busy themselves with Halloween decorations.
What better way to spend a sunny weekend with family and friends than to take a dip in the swimming pool? And there are few better ways to relax after a long week’s work than taking a swim in your pool. But do you know that owning a pool comes with responsibility? If someone gets injured, do you have the right insurance in place?
Where there’s rain, there’s a possibility of a flood. While flood insurance is required for those living in flood-prone areas, others should consider getting it too. Flash flooding due to intense storms can cause significant damages to your property. In fact, it can easily be destroyed to the point that you will need to rebuild it if the flood is bad enough. Reconstructing a property may take months to a year, or even more and it probably won’t be covered at all by your homeowners insurance.
1. Raise Your Deductible
The insurance coverage for the contents of your home will have a deductible, which is an amount you will need to pay before the insurance company is on the hook. Higher deductibles means less claims so insurers will charge you less. Since you often wouldn’t file a small claim anyway it’s best to keep this as high as you could reasonably afford.
Your home is probably your most important investment. And how do you ensure it is well taken care of? Homeowners’ insurance, of course! While you may sleep soundly knowing that your house 100% covered, do you know that there are loopholes in every homeowners insurance coverage? We never like it when something isn’t covered by our clients’ insurance. So it’s important for us to share these situations with you so you can take greater precautions and/or purchase additional insurance to be fully protected. Continue reading
There’s little doubt that when it comes to investments, most people consider their home to be their biggest. You spend thousands of dollars a year not only on maintaining the property itself but also on mortgage payments, taxes, insurance and even the furniture that you have to put in.
Having the right homeowners insurance is obviously extremely important in the even that you need it, but there’s a lot you can do to avoid ever needing to file a claim.
Below are the top causes for homeowners insurance claims along with some quick tips on how to prevent the causes of each home dilemmas on the list.
There are a lot of options when it comes to buying insurance. You can visit insurance websites to get quotes online, use a smartphone app, call an 800 number, or contact a local insurance agent. There is no better way to buy insurance than from an independent agent. Of course we’re biased, but there are too many reasons to buy from an independent agent instead of from someone who works directly for an insurance company. Here are 4 of our favorites:
You Don’t Have to Shop Around
Independent insurance agents work with multiple insurance carriers, which means we can run quotes for several different insurance companies at the same time and determine right away where you’ll get the best deal. If you visit individual insurance company websites or call 800 numbers you’ll have a hard time getting more than 3 quotes an hour.
You’ll Get the Best Price
Since independent insurance agencies like Velox work with so many different insurance carriers, it’s easy to find a company that has the most competitive price for your situation. Whether you have a perfectly clean driving record or are high-risk, we’ll find an insurance carrier that wants to have clients like you and is priced accordingly.
You’ll Get the Best Insurance
Because an independent insurance agency has many different carriers to sell insurance through, they have first-hand experience working with many different insurance carriers and if an independent insurance agent has bad experiences with one carrier they’ll stop selling their insurance.
You’ll Get the Truth
Insurance agents who only sell for one insurance company are not in a position to give honest and forthright information to their clients. When a salesperson only has one option to sell you they’ll either be unconsciously biased toward their product or will consciously tell you things that are not true about the insurance company because they have no other options!
If an independent insurance agent makes a recommendation to you about which insurance company is best you can believe them. As an independent agency our loyalty is to customers, not insurance carriers.
If you’ve never worked with an independent insurance agency before don’t be surprised if you never go back. The time and money savings, policy options, and honest advice cannot be beat. See for yourself by giving us a call at 1-866-Go-Velox or click here to locate a trusted independent agency near you today.
A key difference between owning a condo or a home is what you’re responsible for insuring. When you purchase a home you’re responsible for the inside and outside of the building structure along with the land surrounding it. With condos you’re typically only responsible for the inside of your living space. Continue reading