What If Your Homeowners Insurance Does Not Cover Christmas Hazards?

No one wants to worry about having an accident at Christmas, yet inevitably, they do occur. This is why having homeowners’ insurance hazard coverage is so important. Following a few well-thought-out Christmas safety tips will ensure that your holiday is stress-free and without any major accidents. A little common sense will go a long way in keeping your holidays festive and bright.

Here are a few tips that you can follow to avoid unpleasant Christmas hazards.

1. Watch Out for That Tree

A Christmas tree can prove to be the greatest threat in the holiday season. The longer the tree remains in your home, the drier it gets. Make it a point to check the water at the base at least twice a day to prevent the tree and branches from becoming too dry and brittle. A dry tree is a fire hazard that can spark a flame in just a few seconds. If you want a live tree without the fire hazard, purchase a live tree that still has the root ball attached. When the holidays are over, you can set it aside and keep it watered so as to plant it in the spring.

2. Carefully Examine the Lights

Carefully go over all of your light strands and check for damaged wires. A bare wire can cause a spark that will put flammable items on fire. When you are hanging your lights, be careful to use a sturdy ladder that has been properly set up. Make sure to test each strand of lighting before hanging them up or placing them on the tree. If you have any doubts about the safety of your lights, buy new ones and make sure they are all in good working order before putting them up.

3. Be Careful in the Kitchen

It always pays to be extra careful in the kitchen. Never leave pots on the stove unattended or handles hanging over the edge where small hands can grab them and try to pull them off. Always wipe up spills as soon as they happen to prevent a slip and fall accident. Put knives and other sharp objects toward the back of the counter to keep small children from reaching them.

4. Avoid Extension Cords

Avoid using extension cords as too many cords can overload your electrical outlets and start a fire. Surge protectors are excellent devices to get the power you need without creating a fire hazard. When running an extension cord, make sure to keep it out of walkways to prevent it from becoming a tripping hazard. Make sure not to cover the cords with rugs or run them under furniture because if they get too hot, they could spark a fire within a short time frame.
Christmas is a time to celebrate with family and friends, so don’t let your negligence spoil the fun and festivity. Put these four tips into practice to prevent avoidable Christmas hazards that may be beyond the coverage of your homeowners’ insurance.

In addition to these tips, make sure that you have the right homeowners’ insurance coverage to meet your unique home insurance needs. For assistance with all your insurance needs and questions, contact the experts at Miller Carlisle Insurance Services in Carlisle, PA. We will help you get the right coverage you need.

Analyzing Homeowners Insurance: Does It Cover Rain Damage?

Heavy rains can cause major water damages to your property, including water leaks, flooding, and drain overflows. If these damages are not fixed on time, they can lead to significant problems in the foundation of your home.

When you hire a water damage restoration agency to repair the damages, you must know how much of these costs are covered by your homeowner’s insurance. The following points will help you understand whether your homeowner’s insurance covers water damage.

Rain Damage

Certain damages caused by rain are covered by your home insurance policy. For example, if the rain or storm has caused a leak in your roof, the cost to repair it will be covered by the policy.

However, you won’t get coverage if you already had damage in a wooden pillar on the porch and the rain worsens it further, as it is considered preventable damage that could have been fixed.

Flood Damage

Your regular homeowner’s insurance may not cover flood damage. It will cover only minor leaks, so you will need separate insurance to cover flood damage.

Due to the extent of flood damage and the expenses involved, only some insurance providers offer flood damage coverage.

Other Damages Due to Rain

The extent of damages your property faces depends on the severity of the rain. Generally, most homeowner’s insurance covers damages caused by hailstorms, wind, and lightning.

Consult your provider to understand the type of water damages covered by your insurance. While homeowner’s insurance covers various water and rain damages, they are meant for emergencies. You cannot expect coverage for damages caused by regular wear and tear.

Investing in homeowner’s insurance is necessary to protect your home from unexpected damages. For assistance with all your insurance needs, contact the experts at Miller Carlisle Insurance Services in Carlisle, PA. We help you find the best coverage that suits your needs and budget.

Everything You Need to Know About High-Risk Homeowners Insurance

It takes a lot of capital in building or purchasing your first home. When your home falls into the category of high-risk, it is important to understand the pros and cons of house insurance before selecting one

If you are looking for high-risk homeowners insurance in Carlisle, PA, the following information will help you make an informed decision.

What Is High-Risk Homeowners Insurance?

Your home may be considered high-risk if it is situated in a location that faces extreme weather. Other factors, like old houses, interior damage, and structural problems, are also considered high-risk. A high-risk homeowners insurance policy protects your home from such factors.

Which Factors Influence the Cost of Homeowners Insurance?

The most important factor that can affect your house insurance rates is the location. If you live in a high-crime neighborhood or an area that is prone to natural calamities, your insurance premium will be significantly high.

Most home insurance agencies will quote different rates to you, based on the building’s structure. Your carrier may ask you about the type of roof and the age of your house to determine your premium rates. They even take added security measures into account, such as installing a reliable security system.

The best way to choose an ideal homeowner insurance policy is to compare different home insurance quotes from insurance companies.

How to Reduce the Cost of Homeowners Insurance

Here are a few effective ways to reduce high-risk house insurance costs:

  • Repair your roof or foundation to make your home less risky.
  • Install a reliable security system if you live in a high crime area.
  • Look for discount options from insurance companies.

Choosing the best homeowners insurance in Carlisle, PA, is now easier than ever! Contact the experts at Miller Carlisle Insurance Services. Our team will be happy to answer all your questions and assist you with all your coverage needs.

What Homeowners Should Know About Fires

Fire damage and your home insurance.firefighters at work

As a homeowner, fires are one of the most common and costly risks that you face.  This is why it’s very important to understand what your home insurance will cover when it comes to fire damage.  Here’s what standard homeowners insurance policies will cover when it comes to fire damage to your property.

  • Coverage for Fire and Smoke Damage

Standard homeowners insurance policies will offer coverage for both fire and smoke damage to your home and belongings.  You have this coverage regardless of where a fire starts.  For instance, if your home sustains damage from a fire originating at a neighbor’s house, your insurance will still offer coverage for repairs.  Most home insurance policies also offer coverage for the damage caused by wildfires.  However, if you live in an area particularly prone to wildfires, then your policy may limit the amount of wildfire coverage that you have.  You may have to secure endorsements or supplemental insurance policies to get the comprehensive protection that you need.

  • Additional Living Expenses Coverage

If the fire damage that your home sustains is particularly extensive, it may not be safe to remain in the home.  In this case, you can access the additional living expenses (also known as loss of use) coverage included in your homeowners policy.  This coverage will help you pay for temporary housing, as well as essentials such as food, laundry services, parking, and so on while your home is being repaired.

  • When Are Fires Not Covered?

The only time your homeowners insurance will not offer coverage for fire damage is when you or anyone named on your policy caused the fire on purpose.  Intentional acts of damage are never covered by insurance.

This is what you need to know about your homeowners insurance and fire damage.  Do you have additional questions about your home coverage?  If so, then contact the experts at Miller Carlisle Insurance Services.  We are ready to assist you with all your home coverage needs today.

What You Should Think About When Buying Renters Coverage

Questions to ask yourself when buying renters insurance.renters moving into home

If you are living in a rented home or apartment, then you need renters insurance to secure personal property, personal liability, and loss of use coverage.  While renters insurance seems pretty straightforward, it’s important that you do not simply choose a policy on a whim.  Ask yourself these questions to ensure that you are choosing the right policy to fit your needs.

  • How Much Are My Belongings Worth?

As mentioned, renters insurance is designed to protect your belongings.  To ensure that your policy is offering the comprehensive coverage that you need, you need to determine the value of all your possessions.  While itemizing your possessions is tedious, taking this step is better than finding out that you do not have coverage for major loss events.

  • Do I Need Coverage for Valuables?

Like all insurance policies, renters insurance is subject to coverage limits.  This means that if you have particularly high-value items, such as fine jewelry, antiques, collectibles, electronics, and so on, then your policy might not offer enough coverage to protect these items.  To ensure that you aren’t leaving your high-value items vulnerable, consider adding coverage endorsements onto your renters policy to secure the supplemental protection you need.

  • What Are My Personal Liability Risks?

In addition to protecting your possessions, renters insurance also provides personal liability coverage.  Personal liability issues can arise when someone is injured while in your rental property, you or a member of your household accidentally causes losses or injuries to another party, or when a pet causes harm to another.  Because personal liability suits can be very costly, it’s important that you have enough coverage in place.  To secure an adequate amount of personal liability coverage, speak to a trusted agent so they can get a better understanding of your personal risks.

These are some of the questions that you should ask yourself when choosing a renters insurance policy.  Do you have additional questions about your renters coverage?  If so, then contact the experts at Miller Carlisle Insurance Services.  We are ready to assist you with all your coverage needs today.

Important Home Insurance Terms to Know

Common home insurance definitions.handshake in front of home

If it is your first time securing a homeowners insurance policy, then you might be feeling a little out of your depth.  One reason why new homeowners struggle to get the coverage that they need is because they are unfamiliar with common insurance terms.  To ensure that you make smart coverage decisions, here are some of the important home insurance definitions that you should know.

Liability Insurance– Your homeowners insurance policy is made up of several different types of coverage.  One of the main types of coverage included in your policy is liability insurance.  Liability insurance protects you and your family from legal claims that arise if someone sustains injuries or property damages that you can be held responsible for.  Personal liability insurance will cover the medical and compensation costs of affected parties.  This type of insurance will also cover the cost of your legal defense should the affected parties decide to sue.

Dwelling Protection– Dwelling protection is one of the main coverages included in home insurance policies.  This portion of your policy offers coverage for the physical structure of your home and all the components that are attached to the home.  This includes things like flooring, cabinetry, fireplaces, attached garages, decks, and so on.  Your dwelling protection will help you pay to repair the damages your home sustains during a covered peril, such as a storm, fire, break-in, and so on.

Additional Living Expenses Coverage– Additional living expenses is one of the main types of coverage included in your homeowners insurance policy.  If your home is made uninhabitable due to a covered peril, then this coverage will help you cover the cost of temporarily living elsewhere.  This coverage will help you pay for things such as hotel stays, temporary apartment/home rentals, restaurant bills, clothing, pet boarding, and so on.

Insurance Adjuster-An adjuster is a representative of your insurance company who will handle claims.  If you call to report a claim, then an adjuster will come out to your home, assess the damage or situation, and then file and payout your claim.

These are some of the important home insurance terms that you should know.  Do you need further help with your homeowners insurance?  If so, then contact the team at Miller Carlisle Insurance Services.  Our experts are ready to assist you with all your coverage needs today.

Is Internal Home Damage Covered by Insurance?

Understanding the extent of your home coverage.mold growing by a window

As a homeowner, you are bound to run into internal issues and damages, such as water damage, pest infestations, and so on.  This is why many homeowners wonder if these types of damage are covered by their insurance.  Here is what your homeowners insurance policy will cover when it comes to common types of internal damages.

  • Mold

Mold is considered a type of water damage.  So, if mold is caused by a sudden accident, then it may be covered by your homeowners insurance.  However, mold removal is not covered if it is the result of a flood, ground seepage, or poorly maintained pipes that have begun to leak.  As a general rule, mold infestations that breakout due to lack of maintenance are your responsibility and will not be covered by your homeowners insurance.

  • Pest Damage

If your home sustains damage due to a rodent or insect infestation, then your homeowners insurance will probably not offer coverage.  This is because infestations are considered a result of the homeowner’s negligence.  So, if your home or belongings are damaged by pests, then this cost will come out of your own pockets.

  • Malfunctioning Appliances

Your homeowners insurance will offer coverage for broken appliances if they were damaged during a covered peril, such as a storm or fire.  If an appliance breaks down due to lack of maintenance, then your insurance may cover damage to your property and belongings, but it will not cover the cost of repairing or replacing the faulty appliance.  Your home insurance will also not cover the cost of repairing or replacing appliances that breakdown due to mechanical failures.  This coverage can be secured through a home warranty instead.

This is what your homeowners insurance will cover when it comes to these common forms of internal damage.  Do you have more questions about your home coverage?  If so, then contact the experts at Miller Carlisle Insurance Services.  Our dedicated team is eager to assist you with all your insurance needs today.