Category Archives: HOME INSURANCE

home insurance

Prevent Damage to your Home/Building this winter

As we move into cold winter weather, here are a few tips to help prevent damage to your home or building: Maintain adequate heat to avoid frozen pipes. Be especially careful with any pipes in exposed areas of your home like crawlspaces. Know where your water shutoff valve is and that it is functioning correctly. … Continue reading Prevent Damage to your Home/Building this winter

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Warning State Farm Home Insurance Customers in Pennsylvania!

Do you have State Farm for your home insurance in Pennsylvania or know anyone who does? You may be unaware of a sneaky change they are making to your home insurance policy on the renewal unless you look closely! They are increasing your deductible to 1.5% of your dwelling coverage, and offering the option to … Continue reading Warning State Farm Home Insurance Customers in Pennsylvania!

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Dog Bites: Insurance company’s bark as bad as the bite?

According to the Insurance Information Institute- dog bite claims nationwide accounted for more than 1/3 of home insurance liability claims in 2013 with an average cost of almost $28,000.  Pennsylvania ranks 5th in the nation with 909 dog bite claims averaging over $29,000 each and a total impact of $26.4 million.  Most homeowners, renters, and … Continue reading Dog Bites: Insurance company’s bark as bad as the bite?

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Being a Landlord

Renting your home to others can be a smart financial decision, but make sure to consider the insurance ramifications and liability issues involved. If you live in a home and then rent it to others, you will need to replace your homeowners policy with a Dwelling Fire policy (Landlord policy).  This addresses the difference in … Continue reading Being a Landlord

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Yard Work Safety

Let’s Keep Our Lawns – and Ourselves – Safe in Pennsylvania For many of our neighbors in Bucks, Montgomery, and other counties- summer means more than sunshine and vacations. It also means working in the yard – often with tools that can be dangerous if not used properly. Each year about 400,000 people are treated … Continue reading Yard Work Safety

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Ice/Snow Storms and keeping your Home safe

This time of year in the northeast we have to deal with winter storms which can leave significant accumulations of snow and ice.  Here are a few tips to help minimize your risk of loss. Be prepared.  Make sure you have plenty of food, and a backup plan in case your power is out for … Continue reading Ice/Snow Storms and keeping your Home safe

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Take a Home Inventory

(courtesy of Chubb insurance) Pause for a moment and make a mental list of the items in your home. Electronics, furnishings, art and collectibles; it’s probably a fairly extensive inventory of items that are all worth protecting. If you ever need to file an insurance claim in the event of damage or theft, an actual … Continue reading Take a Home Inventory

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Clothes Dryer Vent Safety Tips

Statistics about clothes dryer vent fires from FEMA: An estimated 2,900 clothes dryer fires in residential buildings are reported to U.S. fire departments each year and cause an estimated 5 deaths, 100 injuries, and $35 million in property loss. Clothes dryer fire incidence in residential buildings was higher in the fall and winter months, peaking … Continue reading Clothes Dryer Vent Safety Tips

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Home Insurance – Firearms Coverage

As the economy worsens we can unfortunately expect home burglaries to rise.  Thieves usually look for items that can be quickly converted to cash, which includes items like Firearms. Will your guns be covered for their full value from loss by theft? What about if you are travelling away from home on a hunting or … Continue reading Home Insurance – Firearms Coverage

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Hurricane Sandy Insurance Deductibles

There have been quite a few news reports since the storm regarding insurance deductibles which has led to some confusion in the general public.  Some people are under the assumption that they will not have to pay any deductible on claims. We are here to set the record straight! Some home insurance policies have what … Continue reading Hurricane Sandy Insurance Deductibles

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