What Home Insurance Will Cover

Know how far your home coverage extends.paper home cutout cupped in hands

As a homeowner, it’s vital that you know what your homeowners insurance will and will not cover. This allows you to evaluate your current protection and secure additional coverage if necessary. To help you understand the extent of your home coverage, here’s what your policy covers when it comes to these common risks.

Mold

Mold in your home is covered by your insurance if it is caused by a covered loss. For instance, mold is covered if it is the result of fire, lightning, ice, frozen pipes, or another covered peril. Mold repairs and remediations are only covered if it is caused by something sudden and accidental. For instance, if a pipe burst, but you did nothing about it and mold formed, then you would not have coverage because the mold is seen as the result of your negligence.

Mold is also not covered when it grows over time. For instance, if mold pops up in your shower or tub or around other perpetually damp places in your home, then it is not covered by your policy. This is because this mold is considered a result of your lack of maintenance.

Theft

Homeowners insurance covers theft both inside and outside your home.  For instance, if someone broke into your home and stole your television, then you would have coverage to replace your television and repair the damages the burglars caused. If your phone was stolen while you were traveling, then your home insurance would also cover the cost of replacing your phone.

Homeowners insurance will only cover your belongings up to a certain coverage limit. So, if you have high-value items that exceed these limits, then they will not be covered by your policy. You can secure additional coverage for high-value items through policy endorsements or by securing specialty policies for specific items.

Dog Bites

Typically, your home insurance will provide coverage if your dog bites someone on or off your property. However, there are three main coverage exclusions:

  1. Your home insurance will not cover dog bites to someone covered under your policy (you or the immediate family members living in the household).
  2. Your insurance provider may exclude your dog from coverage if they have a history of biting.
  3. Your insurance provider may exclude your dog from coverage if it is considered “high-risk.” Certain breeds, such as pit bulls, Doberman pinschers, rottweilers, German shepherds, Siberian huskies, and so on are typically labeled “high-risk” by home insurers.

This is what your home insurance will and will not cover when it comes to these common perils. Do you have more questions with your home insurance? If so, then contact the experts at Miller Carlisle Insurance Services. We are ready to assist you with all your home coverage needs today.

Avoid These Common Home Damage Issues

How you can prevent these home issues.home repair man

If you want to save money on your home insurance, then you need to limit the number of claims that you file every year.  Fortunately, staying vigilant and keeping up with routine maintenance can help you avoid common claim events.  Take these steps to prevent these common forms of home damage.

  • Roof Damage

If your roof begins to leak or collapses completely, then this will be a pricey insurance claim.  To prevent this claim event, you should keep up with basic roof maintenance, such a routine gutter cleaning and shingle replacement.  You should also be sure to remove dead limbs and trim overgrown branches on the trees that overhang your home’s roof.  This will prevent your trees from causing roof damage during a windy or stormy day.

  • Kitchen Fires

Most household fires break out in the kitchen.  To avoid kitchen fires, you should make sure to never leave your oven or stove unattended while cooking.  You should also install a smoke alarm in your kitchen, so you are immediately alerted if a fire breaks out.  Finally, you should keep a fire extinguisher in your kitchen so you can quickly put out a cooking fire before it spreads.

  • Theft and Vandalism

Many homeowners are forced to file insurance claims after their home is broken into or vandalized.  To prevent your home and belongings from being damaged or stolen, you should install a security system to deter criminals.  Installing bright outdoor lighting and surveillance cameras is another way to keep criminals away.  Finally, make sure you close and secure all points of entry, so burglars and vandals do not have an easy way to get into your home.

These are some of the most common types of homeowners insurance claims and what you can do to prevent them.  Are you looking for further assistance with your home coverage needs?  If so, then contact the experts at Miller Carlisle Insurance Services today.

Storm Preparation Tips for Your Home

How you can prevent storm damage to your home.hands protecting chalk drawing of a home from rain

As a homeowner, news of an incoming storm can be a terrifying prospect.  Fortunately, there are steps that you can take to keep storm damages at a minimum.  Here are some of the steps that you can take to protect your home from a looming storm.

  • Tree Maintenance

During a storm, strong winds can cause dead tree limbs to fall onto your home, resulting in serious roof and other exterior damage.  Additionally, windy conditions can cause overgrown tree branches to scrape across your home’s exterior, causing further damage.  To protect your home from this risk, make sure that you clear away dead tree limbs and trim the tree branches that overhang your home.

  • Clear Your Gutters

Storms bring significant rainfall.  If your home’s gutters and downspout are filled with leaves and other debris, then they will get clogged and prevent rainwater from draining away.  This can cause water to pool on your roof, increasing your chances for leaks and water damage.

  • Safeguard Critical Areas

During a storm, your roof, windows, doors, and garage doors are most at risk.  If a storm is on the way, then you should install temporary protection like special shutters or coverings for your patio.  You should also reinforce garage doors, entry doors, and windows with pieces of plywood.  This will minimize the damage that your home sustains during intense storm conditions.

  • Protect Your Valuables

If a storm gets very bad, then you may be forced to evacuate your home.  If you plan on taking valuable items with you, then make sure they are packed securely and wrapped in waterproof materials.  You should also make sure that your home inventory is updated to include all the new items you have purchased for your home.  Having an updated home inventory will help you file an insurance claim in the event that your possessions are damaged in the storm.

These are some of the steps that you should take to protect your home from storm damage.  Want another way to keep your home, loved ones, and belongings safe?  Then make sure you have the right homeowners insurance protections in place.  For assistance with your home coverage, contact the experts at Miller Carlisle Insurance Services today.

How You Can Keep Your Home Safe

Try out these suggestions to protect against common home security and safety firefighter putting out home firerisks.

Protecting your home, loved ones, and personal property is a tall order to fill.  Fortunately, there a many small steps that you can take to keep your home safe.  Here are some of the things that you can do to protect your home from these common risks.

  • Natural Disaster

No matter where you live, you are at risk for some kind of natural disaster.  Whether it be wildfires, earthquakes, hurricanes, or floods, it’s important to know which emergencies you are most likely to face.  Once you know which natural disasters you are most likely to be exposed to, follow expert guidelines to protect your home and prepare your loved ones.  For instance, you may have to create an evacuation plan, pack a family emergency preparedness kit, and make structural upgrades to your home.  It’s also important that you read through your homeowners insurance to see what your policy will cover after a natural disaster.  Oftentimes, homeowners need to secure supplemental forms of insurance to cover the damages related to natural disasters.

  • Fire

Home fires are one of the most common and devastating damage events that a homeowner can face.  In homes, cooking equipment is the leading cause of fire.  However, fires can also break out due to faulty lighting fixtures, malfunctioning appliances, overheated electronics, and so on.  Smoke detectors are one of the best fire prevention tools, and homeowners are advised to install a detector in every room and floor of their homes.  You should also keep a fire extinguisher on every floor of your home and in your kitchen.  This ensures that you can quickly put out a fire before it spreads.

  • Slips, Trips, and Falls

Falling is a common household hazard.  In fact, statistics show that one in three older adults fall in their homes, with one in five falls resulting in a head injury or broken bone.  The best way to reduce the risk for someone slipping or tripping is by keeping your home clear of clutter such as toys, electrical cords, loose papers, and so on.  You should also secure floor mats and rugs to ensure that they do not curl up and pose a fall risk for your loved ones.  Finally, make sure to install adequate lighting throughout your home, so family members have an easier time spotting and avoiding potential fall risks.

These are some of the top safety and security risks that homeowners have to face.  Want another way to protect your home, belongings, and loved ones?  Then make sure you have the proper homeowners insurance in place.  For assistance with all your home coverage needs, contact the experts at Miller Carlisle Insurance Services today.

Don’t Skip These Home Repair Jobs

Avoiding these home repairs will cost you.tool belt

When you own a home, it seems like there’s always something breaking down and going wrong.  While most minor issues can be handled at a later date, there are certain repairs that you need to take care of as soon as possible.  Here are some of the home repairs that you can’t afford to procrastinate on.

  • Roof Damages

Your roof is one of the only things standing between your home and the natural elements.  If your roof is damaged, leaking, or rotting, then it is more of a liability than a source of protection.  Failing to repair a damaged roof in a timely manner can lead to leaks, water damage, mold, pest infestation, and total roof collapse.

  • Clogged Drains

Clogged drains are more than a minor inconvenience.  When drains are left clogged, it’s possible for the blockage to pile up and extend through your pipes.  This increases your risk for burst pipes, flooding, and leaks.  Additionally, if a clogged drain backs up into your home, then you will suffer contamination from dirty water, foul odors, and harmful airborne particles.  To ensure that a single clogged drain doesn’t become a more serious issue, it’s best to unclog as soon as you notice this problem.

  • Mold

While mold and other signs of water damage may seem minor on the surface, they often indicate much more serious and major issues.  For instance, if you notice mold on a wooden surface, then it’s possible that you have water rot all through the wood, making it necessary to completely replace the damaged wood.  Additionally, mold poses a danger to you and your family’s health.  So, when you see mold and water damage, it’s best to hire a professional to inspect the damage as soon as possible.

These are some of the home repair jobs that you cannot afford to skip out on.  Want another way to take care of your home?  Then make sure you have the right insurance protections in place.  For assistance with all your homeowners insurance needs, contact the experts at Miller Carlisle Insurance Services today.

Avoid These Expensive Homeownership Mistakes

Making these missteps can cost you.red home on stack of coins

As a homeowner, there is a lot of responsibility resting on your shoulders.  Unfortunately, many homeowners make small mistakes that end up costing them down the line.  To ensure that you do not fall into the same trap, here are some of the costly mistakes to watch out for.

  • Failing to Check Up on Your Home

Just because you live in a home does not mean that you know everything about it.  Oftentimes homeowners miss serious issues that are right in front of their noses and only notice them when they become glaring and extremely expensive to deal with.  This is why you need to conduct a thorough inspection of your entire home on a regular basis.  From your attic to your garage to the small crawl spaces throughout your home, make sure you look everything over and check for potential issues.

  • Skipping Out on a Home Warranty

Many homeowners have insurance, but they don’t get a home warranty at the same time.  A home warranty is a service contract that covers the repair or replacement of certain home systems of appliances that may fail due to age, wear and tear, or some other type of internal malfunction.  Oftentimes, home warranties provide coverage for your home’s HVAC, electrical system, plumbing, kitchen appliances, and washer and dryer.  If you don’t have a home warranty, then you will have to pay for broken-down appliances and home systems on your own.

These are some of the costly mistakes that new homeowners should avoid.  Do you have additional questions about your home insurance?  If so, then contact the experts at Miller Carlisle Insurance Services.  We are ready to assist you with all your coverage needs today.

Can Owning a Home Help You Save on Auto Coverage?

Does owning a home help everyone save on auto insurance?hands holding a toy home and a mini piggy bank

You may have heard people say that homeownership unlocks special discounts on your auto insurance.  But how much truth is in this statement?  While some homeowners can access savings on their car coverage, others cannot.  Here’s why.

  • Bundling Home and Auto Insurance

One reason auto insurance is cheaper for some homeowners is that that they secure an auto policy from the same insurance company that they insure their home with.  This allows them to bundle these two policies, which automatically unlocks savings.  However, if a homeowner chooses to insure their car through a different insurance company, then they obviously do not have the option to bundle.  Sadly, these homeowners will not be able to access this auto insurance discount.

  • Improved Credit Score

Some homeowners may also get access to lower auto insurance rates because they have a higher credit score than non-homeowners.  Typically, homeowners have better credit scores and more stable finances than individuals that do not own a home.  This is particularly true for homeowners who have successfully paid off their mortgage.  Because auto insurers consider your credit score when determining your auto insurance premiums, the better your credit, the lower your car insurance rates will be.  However, homeowners who miss mortgage payments or who are struggling financially may not have strong credit.  These homeowners will not be able to access lower auto insurance rates.

This is why some homeowners save on their auto insurance while others do not.  Do you have more questions about your home or auto insurance?  If so, then contact the experts at Miller Carlisle Insurance Services.  We are ready to assist you with all your coverage needs today.