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When It Comes To Homeowner's Insurance, We Have Exactly What You Need.
The only certainty in today's life is that it's unpredictable. There's nothing like the peace of mind that goes along with knowing you and your family has the proper and adequate insurance coverage in the event of a disaster.
Without warning, your home and property can be destroyed in just minutes by a natural disaster or vandalism. And while you can't always control the many unforeseen exposures that can happen, you can be prepared.
Chances are, your "standard" homeowner's insurance policy has been adequate to meet your basic fire and casualty insurance needs. The most common homeowners insurance policies are know as the homeowners-3 policy or HO-3.
Generally speaking, a "standard" homeowner's insurance policy provides three things:
Common perils likely to be covered on your "standard" homeowner's insurance policy include: fire, lightning, tornadoes, windstorms, theft, falling objects and so on. However, you need to be keenly aware of any exclusion's as outlined in your policy.
Typically, "standard" homeowners policies do not cover casualties such as floods, earthquakes, war, nuclear accidents, structures used for business, insect or rodent infestation, cracking of the foundation from ground movement, wear and tear, vandalism to a house left vacant for more than 30 days, and the like. The most recent modification to a homeowner's insurance package is the removal of coverage for screen enclosures over pools and backyard play areas. However, this valuable coverage can be bought back for an additional premium.
We want to make sure you really understand your homeowner's insurance policy. Once we evaluate your current needs, you may wish to consider insurance for your home based business or a separate policy for earthquake and flood damage as well as coverage for any other exclusions not covered by your "standard" homeowners policy.
As an independent agent, we take a personal interest in your well-being. We focus on preventing undue hardships while serving quick and efficient processing of claims to get you back on your feet should a disaster strike. At Atlass Insurance that's what we're all about!
For a quick quote on your home insurance needs just complete the homeowner's insurance quote request form. An agent will follow up with you in a prompt and timely manner so you get the professional service of a licensed agent and not a clerical person or order taker so you can receive the proper counseling and guidance needed to fit your particular needs!
Take Inventory of Your Home
No one plans to lose their valuables and other belongings in a burglary, a fire or a natural disaster. If one of these unfortunate events destroyed your home, would you be able to report exactly what you lost to the police, to the Internal Revenue Service or to your independent insurance agent? It is easier to do an inventory of your home now rather than sitting down afterward and attempting to remember a lifetime worth of purchases. Prepared by the Independent Insurance Agents of America, this information will help you begin your household inventory.
Write down any valuable items with their serial numbers (usually found on the bottom or back of major appliances) along with the method of acquisition (purchased, inherited or received as a gift), date purchased and price or approximate value. Attach receipts, if possible. Remember to include furniture, appliances, carpeting, jewelry, artwork, toys and the contents of your closets, cabinets and drawers.
Play It Safe With A Videotape
Many of our clients have embraced technology and have done a narrative video of there home and contents to refer back to in the event of a loss or claim. You can simply take your video camera from the front of your home and walk around, in and through your entire home with a narrative of what you see and what is included in your inventory. It makes the inventory process much easier and often times a thorough video can substitute for a lengthy inventory form. Contact your Atlass Insurance independent insurance agent with questions and concerns or complete the homeowner's insurance quote request form or talk with an agent for assistance with your home insurance needs.
Videotaping each room of your house can make taking inventories easier. Photographs and a tape recorder can substitute for a video camera. A complete video inventory should contain verbal descriptions of major assets as well as their value. Remember your garage, attic, basement and the exterior of the house, plus your landscaping and fencing. If possible, make it a family project by having everyone take turns describing the objects in your home. Store the video or photographs along with this inventory in a safe-deposit box and send a copy to a friend or relative.
Identity Theft and Identity Fraud
In today's society, it is becoming increasing easier to steal one's identity which in turn wreaks havoc to your life that is beyond the physical issues of loss of home and property. Many of today's homeowner's insurance providers are including or at least offer some kind of identity theft protection. Do Not Overlook this most valuable benefit. With all of us embracing technology and working online through the internet, some identity theft protection should be a hot topic with your agent. Refer to a licensed agent and seek the proper identity theft coverage. The form can be completed online and emailed to us for prompt service and quote.
Do Not Forget Important Documents
Extremely important documents should be photocopied. Keep one copy in your home and the original, where possible, in a safe-deposit box. Important items include, but are not limited to, the following:
Special & Personal Belongings with High Values
Most policies limit the amount of reimbursement for theft of valuable items, such as jewelry, furs, silverware and guns. If you have some particularly valuable items in these categories, you may need to purchase additional coverage called a "personal articles floater." These types of policies cover each item individually and are usually quite inexpensive. This information will only be beneficial if you make use of it now. By inventorying your personal possessions ahead of time, you will save yourself from frustration should disaster strike. We can help you determine whether your property is adequately protected by reviewing your collectibles and valuables with an Atlass Insurance agent.
Suitable Coverage in Liability Protection
Unfortunately, there are other risks involved in our everyday lives besides loss or damage to your property. That old tree you kept meaning to remove may come crashing down during the next storm right on your neighbor's garage. Or that pesky skateboarding teenager down the street may pick your sidewalk to have a spill and break a bone. If you find yourself involved in a situation where you may be held liable, it is important to notify your insurance carrier promptly to begin your defense planning. You may talk to the "nice" parents of the skateboarder or with your neighbors, but leave the insurance discussion and negotiating up to the professionals. For several reasons, the first conversation you have about the incident should be with your independent insurance agent. Chances are your policy includes a stipulation that the insurance company must be notified promptly in the event of a loss or claim. Plus, in chatting about the situation you can inadvertently waive some of your rights in the case. More importantly, by inviting the insurance company claims representative managers in early in the process, the company can sometimes offer an early settlement that avoids a lawsuit. After all, the insurance company has a team of experts -- claims adjusters, appraisers, lawyers, and medical experts -- who have probably been down this road before and know exactly how to get mutual satisfaction for both sides without straining neighborly relations.
Mold, Mildew, Bacteria and Fungi Coverage
This is not a "new" coverage but has certainly become a hot topic for homeowners in recent years. After a water damage loss, whether from hurricane, flood or broken water lines within your home, the aftermath of water damages translates into a serious issue with mold, mildew and fungi growth. In recent years, there have been numerous studies that clearly reflect the inherent dangers with these types of issues in a home. Not only does mold & mildew present a respiratory danger but it also can have a lingering effect. Mold, mildew, bacteria and fungi will also hide behind walls, in carpet and carpet padding, between baseboards and walls and can reappear under the right conditions unless eradicated by professional water clean up services. The costs for this mold and mildew clean up can be catastrophic in and of its self. Most homeowners insurance companies include some small benefit for clean up and remediation of the hazard but it is highly suggested that you consider coverage of up to $50,000 or more within your homeowner's insurance policy.
Premium Reductions and Discounts
While we all need to secure adequate coverage for our most valuable possessions and home structure in itself, there are some very nice premium reductions and discounts available to significantly reduce your homeowner's insurance expense. Some of those discounts are derived from a Wind Mitigation Inspection and/or a Four Point Inspection. These inspections must be completed by a State Certified Inspector and recorded on the proper State approved forms. Monitored alarm discounts and superior concrete construction also provide a substantial reduction in your homeowner's insurance premiums. Other discounts include plumbing inspections, hurricane resistant windows and doors as well as discounts for living in gated communities and on premises security services. Make certain you thoroughly discuss all possible discount options with a knowledgeable agent to be assured you are getting the best premium available.
Conclusion and Good Advice
Needless to say that while we all have dealt with insurance on a regular basis in varying forms from home to auto, life, boat and so forth, your Atlass Insurance Independent Agent is well experienced and has had plenty of expertise with proper placement and guidance for your homeowners insurance needs. There is no fee for a professional consultation.
The wisdom and experience of a knowledgeable agent is just a phone call or click away. Please complete the homeowners quote request form or call for a free quote and assistance from the professional group of agents at Atlass Insurance Group. Call toll free at 1-800-959-3313.