Repairs and Home Insurance

Posted on May 30, 2025May 20, 2025 by admin

Sometimes, the best you can do after a disaster is fix what’s been broken. Fortunately, that’s what homeowner’s insurance is for. If your home or belongings are damaged, such as by fire or theft, homeowners’ insurance will provide you with the coverage needed to pay for repairs or replacement. You still have to do a bit of maintenance to keep things in shape, but if the worst happens, despite your best efforts, homeowners’ insurance will take care of the bulk of the expenses. Filing a claim may seem daunting at first glance, but it can really be done in three easy steps.

Those Three Easy Steps

First, document everything thoroughly and immediately. That means clear photos or videos. Next, communicate clearly with your insurance company the date and time of the incident, along with all mitigating factors and any other relevant information. Keep in contact with your agent for optimum success. This will help you promptly address any discrepancies or issues.

The Value of Home Maintenance

One of the few things homeowners’ insurance does not cover is damage covered by pests. Pests result from poor maintenance, so keep up your house so that pests don’t enter in the first place. Your homeowners’ insurance may give you a discount on items that will help keep your home maintained, such as smoke alarms or home security systems. Do not ignore even minor leaks, as those can quickly become something disastrous that your insurance won’t cover because they are the result of negligence. A stitch in time does save nine.

Contact Options Insurance Agency in Hershey

If you need homeowners’ insurance and are in the Hershey, PA, area, please contact Options Insurance Agency. We’re ready to help.

Understanding Home Insurance Coverage for Valuable Items in Fort Washington

Posted on February 28, 2025 by admin

Home insurance is a crucial safety net for homeowners in Fort Washington, PA. While it covers your home and personal belongings, it’s important to understand how it applies to valuable items. At Options Insurance Group, we’re here to guide you through this aspect of home insurance.

Understanding Coverage for Valuable Items

Most home insurance policies include personal property coverage, which covers the cost of replacing your belongings if they’re damaged or stolen. However, there may be limits on the coverage for valuable items like jewelry, art, or collectibles.

Why You Might Need Additional Coverage

If the value of your items exceeds the limit of your personal property coverage, you might not be fully reimbursed if these items are damaged or stolen. In this case, you may need additional coverage, such as a floater or endorsement, to fully protect these items.

How Options Insurance Group Can Help

At Options Insurance Group in Fort Washington, PA, we understand the value of your prized possessions. We can help you assess your coverage needs and ensure your valuable items are fully protected under your home insurance policy.

Secure Your Valuables Today

Don’t leave your valuable items underinsured. Contact Options Insurance Group today to ensure your home insurance provides the coverage you need in Fort Washington, PA.

Guide to Documenting Belongings for Homeowners Insurance

Posted on June 12, 2024June 10, 2024 by admin

Creating a thorough home inventory is something all homeowners should do. It helps in purchasing the correct amount of insurance and helps the claims process in the event of loss. Without proper documentation, proving the value of your contents during a claim can be challenging.

Detailing Your Valuables

Start by listing all valuable items in your home. This includes electronics, kitchen appliances, musical instruments, and even designer clothing and accessories. Remember, the cost to replace everyday items can quickly add up, making them just as important to document as high-ticket items.

Visual Documentation

A detailed video walkthrough of your home describing each item or photographs showing each item’s condition can be very helpful. Include images of brand labels, serial numbers, and receipts to prove value and ownership.

Receipts and Appraisals

Keep digital copies of receipts and professional appraisals for expensive items. This step is important for establishing purchase dates, ownership, and current value. Update any appraisals every few years to reflect accurate values.

Safekeeping Your Inventory

Store your home inventory in a secure location away from your home, like a bank safe deposit box or in the cloud.

You might alternatively use a family member’s house, so long as it’s not in the immediate area. For example, you don’t want to use a family member’s house if they also live in Fort Washington, PA. A major disaster that affects the whole area could destroy both homes.

Insurance Coverage Review

With your inventory complete, consult with your insurance agent to confirm that your policy coverage matches the value of your documented belongings.

Expert Insurance Assistance

If you’re in Fort Washington, PA, and need help with a home inventory or any other aspect of homeowners insurance, contact us at Options Insurance Group.

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Category: Home Insurance