SafeHome Insurance Services

Review your homeowner's policy regularly to make sure it still meets your needs. If you removed dangerous trees near your property, you may be due for a reassessment.

Insurers recommend using a camcorder to record the condition of your home immediately after an event that causes some damage. That way, anything removed or cleaned up before an adjustor arrives can still be viewed.

Setting up a burglar alarm or modern fire alert systems can help reduce your homeowners insurance premiums by showing you’re a responsible homeowner.

Homeowners insurance policies come with several pieces of information, including the declarations page, coverage, exclusions, conditions, and endorsements. The declarations page contains a brief summary of the insured’s personal information and a description of the insured property.

While having homeowners insurance isn’t legally required, most lenders will not complete a loan unless you have documented insurance ready. This helps defray any risk the bank takes.

While we don’t need to know every time you replace the old carpet with a new carpet or paint the walls, we do need to know when a value-increasing improvement is made. This can include updating the wiring, replacing plumbing pipes or putting in high-end flooring.

An HO-8 homeowner's insurance policy is a good choice for insuring an older home that has been restored. It covers more than a basic policy while still offering modest premiums.

If you notice an unusual jump in your water bill, there’s a chance that you could have a plumbing leak in your home. (If it’s summertime, and if you’re watering more often, a jump in the water bill may be normal. Be sure to consider the time of year when the jump occurs.)

If you share a wall in your house, like a townhouse, your homeowners insurance usually only has to cover the interior of the home since you have an HOA.

One of the most important benefits of homeowners' insurance is peace of mind. Knowing that your property and possessions are covered against any type of theft or loss means that you can go out to dinner or on a vacation without having to worry about your home and possessions.

When making improvements or additions to your home, review your insurance policy after the project is completed. You want to be sure the policy coverage reflects the upgrades.

We recognize that no one who’s buying a new home wants to consider what will happen if their home becomes so damaged that they can’t live in it, but it’s necessary. Ensuring you choose a policy with loss-of-use coverage could provide the cash you need for a hotel when you need it most.