Posts Tagged ‘Homeowner’

Homeowner Insurance Tip When Remodelling Your HomeTuesday, November 1st, 2011

When you are remodelling, you should let your insurance company know. You should increase the value of the coverage to reflect the amount of money the remodeling project is going to cost. If you are building an addition to the house, it will be too late to wait until it is finished to change the insurance policy, because if the home happens to be destroyed before the work is done, the insurance company will not cover the cost of the addition.

You also have to make sure that the contractor you choose has insurance in the event of an accident happening as a result of equipment failure or some other reason that is the contractor’s fault. If the insurance the contractor has is not sufficient you may have to fill the gap with increased protection of your own. (content from bluepage.org)

Homeowner Security System to Save on Policy PremiumsFriday, October 28th, 2011

Having a home security system actually gives you a discount on the policy premium. It is of no use though, if you do not have it turned on or if you do not do regular checks to make sure that it is working properly. Such a system provides you with monitoring of your property 24 hours a day, 7 days a week. It is not just for burglaries, as many of the systems can alert you to fire and smoke, earthquake or flood and carbon monoxide. (content from bluepage.org)

Homeowners Grilling Safely; Gas Grills, Charcoal & MoreThursday, October 27th, 2011

If you like to barbeque, always ensure that you are a safe distance from the home or patio railings. This keeps any open flame from accidentally catching the house n fire. When you have company over, you should always do the grilling yourself, so that you will not have to contact the insurance to pay the medical bills of a guest that gets burned. When you purchase the barbeque, always follow the directions when you put it together and have a certified tank for the propane. Turn off the propane when you are finished the grilling.

Always use gas grills outdoors. Using them indoors increases the possibility of fire or explosion because there is not adequate ventilation if enough gas builds up. (content from bluepage.org)

Homeowners Surviving Severe Cold WeatherWednesday, October 26th, 2011

There are ways that you can survive cold weather without incurring any damage to your property or having any suits brought against you for injuries sustained to anyone on your property. You should always ensure that your walkways and the sidewalks in front of your home are free of ice and snow. If necessary you should spread salt to break up the ice to keep it from being slippery. Clean out the gutters and make sure there is no ice or debris that could cause them to block up and cause water to seep into the home. Always make sure that your pipes are well insulated for the cold winter months to keep them from freezing. When they thaw they can burst causing a lot of water damage and therefore a claim on your insurance, in addition to the inconvenience.

If you use a fireplace or a wood stove, make sure that you have the chimney cleaned out before you start to use it each year. Close off the flue in the fireplace when you are not using it. If you have to leave home during the winter months, always have a neighbor who can make regular checks to ensure that everything is fine inside the home. (content from bluepage.org)