Can I cover my family’s smartphones under my homeowners policy?

Like any homeowner, you want your home protected against life’s unexpected events. Whether it’s a theft, fire or devastating storm, a solid homeowners policy will insure that your most valued possessions are kept safe and, if necessary, be replaced without any undue hardship on your part. In many cases, this extends even to the smallest personal effects in your home.

But what about a personal effect you carry with you most of the day? Smartphones have become a rather ubiquitous part of everyday life, thanks to the nearly endless number of ways they make ordinary tasks easier. From shopping lists, web surfing, staying in contact with friends and co-workers and even passing time with a few games, the average smartphone has become a worthwhile companion for many.

Your family’s smartphones may be covered under your homeowners policy, usually as part of your “personal property.” In most cases, this means you have coverage in the event of a qualifying peril, such as a theft, fire or water damage resulting from a broken pipe or other covered catastrophe.

However, there is a catch. If and when these events happen, you’ll still have to pay your deductible first (unless your home is covered with zero deductible). In many cases, the cost of the deductible can easily exceed the value of the phone itself. If your phone costs $200 (or perhaps triple that the cost isn’t subsidized by a carrier) and your deductible costs $2500, you’re better off paying out-of-pocket for a replacement. Also, your family’s smartphones may be covered under other third-party mobile phone insurance. Still, it doesn’t hurt to see if your homeowners policy offers better coverage for your smartphones.

Not having the right level of homeowners insurance coverage you need can be a rather expensive mistake. Instead, take advantage of our website and compare quotes online from multiple carriers. Don’t forget that as your independent agency, we can help you find the right solutions to your insurance needs.

We discovered shoddy work well over a year after we had home renovations done. Does my homeowners policy offer any help to fix the problem?

Home renovation may improve the appearance of a house, but it can also cause problems in the future if the work is not completed accurately. If you discover shoddy work more than a year after the renovations were completed, then the options that may be available in your homeowners insurance policy can vary.

Policy Details

The details of your property policy depend on the coverage that you purchased and the problems that the shoddy work is causing. In the case of renovation work that has become damaged, broken or otherwise causes major problems, it may be possible to make a claim on your current plan.

Repairs are often covered in a homeowner’s insurance policy, but some insurers may have specific details about the situation that must be met before funds are provided to make the appropriate changes to your home.

Clauses and Limitations

Although some insurers may offer solutions and assistance, it is possible that your insurer will not provide coverage for shoddy renovations or work that was completed more than one year ago.

Insurers often have clauses, exceptions and other details within the policy that help identify situations that are covered and situations that are not. In general, the faster you discover the problems with your renovations, the easier it is to repair the problem and make a claim on your policy.

If you are not sure about the details of your current plan, then read the policy thoroughly before you contact your insurer. Pay particular attention to the clauses, exceptions and any other notes that may limit the situations that are covered.

Every insurance policy is different, so shoddy renovations and problems with your house may or may not be covered based on the details of your plan. When you discover that your current policy is not appropriate for your needs, you can compare quotes online to find the best premium and plan for your situation. An independent agency can help you find the best plan for your situation, goals and personal budget.

If my spouse has bad credit do I have to include them when purchasing a homeowners policy?

Many newly married couples bring with them a lot of things, for better or worse. This often includes their credit histories. While your credit history may be spotless, your spouse may have a less than stellar track record when it comes to their credit. Your spouse’s unpaid debts, defaults and bankruptcies can have a tremendous impact on joint activities, including applying for bank accounts, mortgages and insurance policies.

When it comes to applying for a mortgage, a spouse with bad credit usually spells a more difficult time finding a mortgage with reasonable rates or in some cases, finding a mortgage at all. Fortunately, things are a bit different when it comes to your homeowners insurance.

In most cases, it’s not mandatory for your spouse be identified in your homeowners policy, although it’s usually a good idea to include them in order to get the maximum benefit from your policy. As long as your spouse resides in the home, he or she is covered under your policy’s personal property and liability insurance. Some insurance providers may not extend coverage to your spouse unless he or she is specifically named on the insurance policy. This practice may vary among providers, so it helps to read the fine print.

If you do decide to add your spouse to your homeowners policy, it’s important to know how your spouse is bad credit will affect your insurance premiums. By contacting us, your independent agency can help you figure out the total costs of your homeowners insurance and even offer valuable ways you can reduce your premiums.

If you’re shopping for a new homeowners policy for yourself and your spouse, it’s a good idea to compare quotes online in order to get the most out of your future policy. By running live comparative quotes on the website, you can review different plans from multiple carriers and find the best policy that fits your budget while meeting your specific needs.

I am renovating some parts of my home and the contractor was injured during the work, am I liable?

If you are a homeowner, you are undoubtedly concerned about potential liability when you hire a contractor. Since every homeowners policy is different, it is always best to ask your independent agency precisely what type of liability coverage that you have.

If a contractor was injured while working on a renovation on your property and he is injured during the work, you may be liable. Your homeowners policy will typically include liability insurance, which is the type of coverage needed for these situations.

However, just because a contractor sustained an injury while on your property does not mean you are automatically required to pay for the treatment of this injury or for any pain and suffering associated with said injury.

A licensed contractor will typically maintain his own insurance that would cover injury on the job. However, the specific details of the injury – the way in which it took place – can have a significant impact on who will end up paying damages related to that accident.

If there is a contractor injury on your property, it is important that you report it to your insurance agent right away. Your agent can help determine precisely what liability, if any, that you have as a homeowner in this situation. Should it be determined that you are liable or partially liable, your homeowners insurance will cover the damages claimed by the contractor.

When you shop around for your homeowners policy, it is very important that you compare policies to make sure you are getting the coverage you really need. Good liability coverage is essential for any homeowner, and by doing some comparison quotes you can make sure you have this, and all the other essential homeowner coverage.

Don’t take a chance on being caught without the full homeowners insurance coverage needed. You can do a quick quote comparison online through Agent Insure, allowing you to look at all your options and keep your home and family protected at all times.

Can someone injured at Super Bowl party at my house make a claim on our policy?

You invite friends and their friends to your home, your property, for a Super Bowl party and someone suffers an injury. Your homeowners insurance provides several ways to help with medical care for minor or major injury scenarios from dog bites to broken bones.

First, your homeowners policy provides medical payments coverage which has a lower limit, perhaps several thousand dollars, to reimburse first aid or minor doctor visit costs. This no fault coverage does not require the injured party to sue or threaten to sue. It’s simply medical coverage for the property.

Second, your homeowners policy provides liability insurance which covers at fault injuries on your premises. At fault in these terms does not indicate viscousness on your part, just an unsafe condition which can range from a railing giving out to a chair collapsing under your guests weight. Compare this coverage to medical payments. Liability has a much higher limit available for medical costs, but it has a higher threshhold of circumstances to collect these payments. A proactive claim must occur.

These coverages can vary by State. It is wise to check online for quotes and policy descriptions from an independent agency serving your area. Many options exist for policy liability limits and property coverage to protect your home.

Proper loss control avoids claims. Lock up your dog if he doesn’t like crowds of people. Make sure all food is prepared properly and thoroughly cooked. Remove shaky or unstable furniture, especially seating, and rugs people can trip over. Walk through the space where the party is to be held and think safety. Common sense helps spot danger.

So, are you covered for injuries to your guests at a Super Bowl party? Yes, if you compare quotes online to create a policy with terms and conditions to your liking. Once you decide to throw that party, walk through the space and correct any conditions which could lead to injury.

Remember to relax and enjoy the party.

Why is an annual checkup with my insurance agent a good idea?

An annual review or checkup is the best way to stay on top of your insurance policy. Take the initiative to meet with your agent to go over your car, home, life, or other policy.

When you shop for a homeowners policy, for instance, it is always wise to compare quotes from different insurers. At an independent agency, you can get multiple quotes online from insurers to see what the best option would be for your needs. But what happens once you get that policy – how do you make sure that you keep getting the best price?

This is where the annual checkup comes into play. You can make sure that your property is covered at the best price, as your agent can make sure that the competition isn’t offering a better deal at this point. There are some other critical reasons why you should also make that annual checkup:

  • You can update your policy. In a homeowners policy, the value of your home can change each year. You may need a bit more protection, which you can update in your checkup. If you fail to do so, you might not have enough protection in your policy if something were to happen.
  • You can account for changes that will lower your premiums. What if you recently qualified for a discount on your auto policy? A checkup can make sure that your policy is up-to-date with all applicable discounts that can benefit what you pay.
  • Other items can be discussed as well. Do you have any questions about your policy or want to see what a lower deductible would do to your premiums? How about a payment method change? You can easily take care of this during your annual checkup for added peace of mind.

Go ahead and make that annual checkup with your insurance agent. It is a great time to ask questions, update your policy, and make sure you are getting the best price!

Does my Homeowners Policy cover my In-home Business?

No. Your homeowners policy does not cover your in-home business. Although in today’s economy more and more people are working from home to save money on commuting costs, they may never consider whether their current homeowners insurance will protect both their business assets and liability involved with running a business from home. Making sure you have adequate protection for both your home and your business should begin with comparing quotes online for this specialize coverage.

To cover in-home business assets, you will need to evaluate the value of these items and make sure you have specific business insurance in addition to your homeowners policy. If you have computers, fax machine, packing materials and inventory – you will want to make sure the items are protected in the event of a disaster or theft. This may be your main source of income and losing it would be devastating to you and your family. You will want to make sure your insurance policy will replace items quickly so you will be back in business in no time.

Another consideration is liability business coverage. If you sell items from your home and your clients come into your home to purchase products, if they were injured while conducting business, your homeowners insurance plan probably would not cover the expenses. Make sure you have the right insurance to cover in-home business liability expenses. You do not want to be stuck with paying out of pocket if a customer trips while coming down the stairs or is bitten by a skittish pet. You can find great business insurance coverage by comparing rates online and purchasing the policy that fits your needs. If you conduct business from your home, it is essential to have the right type of protection, and your homeowners insurance plan will not cover business claims.

Getting Homeowners Quotes: the First Step towards Peace of Mind

Get Peace of MindPeople who’ve been through a life-changing event know that when it comes to peace of mind, getting homeowners quotes is the first step. For example, if you’ve survived a tornado but lost your home, you’ll be grateful for your homeowners insurance policy that’s going to allow you to rebuild your home. Or if you and your partner have recently had twins, it suddenly becomes clear that taking steps to protect your family, your home and your possessions is even more important than you ever thought. Getting homeowners insurance quotes starts the process of attaining peace of mind.

You can request free homeowners quotes online and have them tailor made to your personal situation. Of course, you want to insure your home for the full replacement value in case of a disaster, and you’ll also want to review exactly what types of damages are covered. Take your time to really read through each quote, and if you have any questions or concerns, contact the insurance agent listed on the quote. Remember, being underinsured is never enough when disaster strikes, so it’s imperative that you understand all of the terms and conditions before you purchase a homeowners policy. Make sure you get the best possible coverage for your situation, and remember, peace of mind is priceless, and so is a good insurance policy when you need it!

Don’t Forget the Broker

Your Savior!Shopping for any kind of insurance can be confusing. If you are not familiar with how life insurance works, you might not know the difference between whole life and term insurance, How do you know how much life insurance you really need? Are you sure you got a good deal on your homeowners policy?

All of these questions and many more can be answered by a competent insurance broker. Whether you consult with an independent insurance broker that represents many different insurance companies or talk to an agent with a single insurance company, you should be able to get the answers to all of your questions.

All insurance brokers must take courses and study all about the various types of insurance. They must than take and pass a state exam demonstrating their proficiency in the insurance field. Upon successful completion of the courses and test, they are then issued a license to sell insurance.

Engaging the services of an independent insurance broker is also a very convenient way of getting the best possible price on any of the different types of insurance products you may be interested in buying. A trained agent can research all of the different options and provide you with the best and most affordable insurer. They are connected to a network of insurers and it only takes minutes to get competitive quotes.

So, whether you are looking for homeowners insurance, auto insurance, life insurance, medical insurance or any other kind of insurance, it can be beneficial to find a good insurance broker. You do not pay the broker directly for his or her service because they are compensated by the insurance company. It is in both your interest and the broker’s interest to maintain a long relationship. You have a good source for all your insurance needs and the broker will earn a residual income based on your continuing business.


Tailored home insurance for home owners

Tailored NeedsHomeowners insurance policies are designed for benefit of the owner to protect homes from a loss. They often cover the structure of the home, by determining a dollar amount for rebuilding in case of damage, and any detached buildings located of the premises, such as sheds or garages. Personal property is also covered under the basic structure of the home policy as well as loss of use; which pays for a family to live at another home while the home is being worked on. A homeowners policy can also be tailored to the needs of the owner by adding endorsements to the basic coverages

  • Valuable items coverage. The policy owner can endorse expensive items, such as artwork, jewelry, and even computers on the policy for the valued amount.
  • Water backup coverage. Will protect a house from water damage from water backing up into the house through a drain or an overflow from a sink or tub.
  • Mold coverage. This may be an expensive endorsement, but it protects home in Texas from mold damage and clean up.
  • Ordinance coverage. Older homes that are being rebuilt will sometimes have to be built according to current building codes. For example, in a city in which houses must be built a certain distance from the street, a older home may have to be moved back. Ordinance coverage pays for the home to be built to code in addition to the cost of rebuilding from a loss.