One of the main dangers to your home in the event of a severe storm is wind damage, not only from the wind itself but from flying debris that may be hurled against your house. With tornado season under way in many parts of the country, and hurricane season just around the corner, it is well worth taking a few steps to reduce the chance of loose debris threatening your home. Even a fairly small object can cause damage serious enough to lead to a claim on your Mass home insurance if it is thrown against a window or door with enough force.
Take a look around your property and backyard. A few things you might want to consider removing include:
•Loose or dead tree branches
•Trees that could be blown over
•Lawn ornaments including gnomes and statues
When a storm is imminent make sure to secure any larger loose objects such as garden furniture, pool covers and shed doors. Bring whatever you can inside and make sure the rest is bolted down as securely as possible. By reducing the chance of flying objects becoming property damaging missiles you could help to protect your home and decrease the chance of having to make a claim on your Mass home insurance.
When times are tough, business does it tough too, as everyone tries to keep spending to a minimum and stretch what funds they have that much further. As a small business owner, you might be struggling to find ways to cut down on expenses, but don’t be tempted to lower your Massachusetts small business insurance coverage – that could be a false economy.
There may be ways you can consolidate your policies, if you have a range of different ones for specific types of coverage. It might be possible, for instance, to change over to a business owner’s policy (BOP) as that combines a few different types of coverage within the one policy, so you only have a single premium. Then you might be able to manage with just a couple of other policies to manage any other risks your business might face.
A Massachusetts small business insurance agent may be your best source of assistance during tough times. He or she is well placed to be able to provide you with information on the latest insurance products and may be able to suggest ways that you can restructure your insurance so you get the best possible value for your money. An insurance agent may also be able to suggest things you can do with your business practice that could attract some discounts on your premiums. Before things start to feel too unmanageable, call our office and make a time to meet with one of our agents to discuss your business insurance requirements.
When was the last time you checked through your Mass home insurance policy? It may have been a while, which means it’s probably time to get it out and have a look through it. It could be that you bought some fairly basic coverage initially and you may need to make some adjustments.
Another thing to consider is extra coverage for disasters that you may not have purchased when you first bought your coverage. Are you aware that, for the most part, your home insurance policy most likely doesn’t offer you protection against some extreme weather events? You may be able to claim for some fire, storm and hail damage. However, major floods, earthquakes and hurricanes probably aren’t covered, and you may need separate policies for these.
Flood coverage is particularly important. Read your policy – check the details in the documentation about coverage for water damage. People who live near rivers or in low lying areas know intuitively that there could be a flood if there is an unusual amount of rain – but it doesn’t always mean they think to buy special coverage. However, if you live near a river and do not have adequate coverage, you may not have the financial means to recover if you experience a major flood.
Call one of our agents to assist you in reviewing your Mass home insurance requirements. Discuss with them your options for adding the disaster coverage that is not included.
As winter is moving out the door and spring is moving in, every homeowner should prepare their home for the spring! If Home Insurance costs you a substantial amount of money each year, then you should love your home! Show that you care by following these easy steps to show some spring time love.
Clean your windows – Each season your homes windows will be dirty from daily activities on the inside and the harsh environment on the inside. After cleaning your windows you will give your house a new sparkle and shine!
Clean fans and HVAC systems – After the winter, your fans will have accumulated large amounts of dust, and your HVAC systems will no longer release clean fresh air like they should. Clean your fans and HVAC systems to live a healthier life.
Vacuum and clean out your carpets – By vacuuming and cleaning your carpets you will eliminate any dust mites and critters that found a place to stay warm for the winter! Also, you will bring a fresh sent to your home before the stuffy allergy season begins.
Check for interior and exterior damage – While your home withstands winter storms and harsh cold weather, it is not uncommon to have some exterior damage. Your gutters may have become loose, a shingle or two may be missing from your roof or even a piece of siding may be missing from your home. Interior damage can occur also. Some homes are not designed properly, as a result homeowners may have water and snow that worked its way underneath the shingles and has started to rot out the roof, this incident is called an ice dam. Check your ceilings after ever winter for water staining to ensure your home is safe to live in.
Add new plants to your garden – Express how excited for the spring you are by bringing some life to the exterior of your home. Some plants may have been damaged by the cold winter months. To express your excitement about the new spring season throw out the old and bring in the new and bring some color to your garden!
Vargas & Vargas Insurance Agency cares about you and your home. Show your home the same love and care that we express to our clients. For all of your Home Insurance needs, call Vargas & Vargas Insurance Agency at 877-550-0025
Small businesses depend on each and every member of their team to maintain productivity. In some cases, there may be individuals who have particular skills that are crucial to continued operations. While your Massachusetts small business insurance package might offer you excellent general coverage, you may need to consider specific coverage to offer financial protection in the event that something happens to a person on whom your business is very reliant.
Key person coverage is a form of life insurance that is designed to provide financial protection for this type of situation. Unlike a personal life insurance policy, it is held by your business and the business becomes the beneficiary in the event that something happens and you need to claim on the policy.
You should discuss this with any employees you are considering for this coverage. They may or may not already have life insurance. However, if they don’t, you could suggest that they take out a personal policy to protect their family’s financial future, as your policy will not do that.
Massachusetts small business insurance can work best for your business if you take the time to work through all the specific risks your business may face. That way, you can work with your agent to put together a collection of policies that are designed to offer back up in case you suffer any losses or damage due to those risks.