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How to create a home inventory

1/23/2020

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A list of your belongings will make filing an insurance claim much easier!

In the event of a fire or other disaster, would you be able to remember all your possessions? Having an up-to-date home inventory will help you get your insurance claim settled faster, verify losses for your income tax return and help you purchase the correct amount of insurance. Here's how to create one.

Start your home inventory now
If you're just setting up a household, starting a home inventory is relatively simple. If you’ve been living in the same house for many years, however, the task of creating a list can seem daunting—but it doesn’t have to be. Get started here.
  • Pick an easy spot to start – A contained area—like your small kitchen appliance cabinet, your sporting equipment closet or your handbag shelf—is a great place to get started.
  • List recent purchases – Another way to start is with recent purchases—get into the inventory habit and then go back tackle your older possessions.
  • Include the basic information – In general, describe each item you record, and note where you bought it, the make and model, what you paid and any other detail that might help in the event you need to make a claim.
  • Count clothing by general category – For example, "5 pairs of jeans, 3 pairs of sneakers…" Make note of any items that are especially valuable.
  • Record serial numbers – Usually found on the back or bottom of major appliances and electronic equipment, serial numbers are a useful reference.
  • Check coverage on big ticket items – Jewelry, art and collectibles may have increased in value and may need special coverage separate from your standard homeowners insurance policy. While you're making your home inventory list, check with your agent to make sure you have adequate insurance for these items before there is a loss.
  • Don't forget off-site items – Your belongings kept in a self-storage facility are covered by your homeowners insurance, too. Make sure you include them in your inventory.
  • Keep proof of value – Store sales receipts, purchase contracts, and appraisals with your list.
  • Don't get overwhelmed – Once you've started your inventory, keep going even if you can't get it all done immediately. It's better to have an incomplete inventory than nothing at all.

Use technology to make your home inventory easier
A simple pencil and paper will suffice, but technology can make creating a home inventory much easier.
  • Take pictures – Create a photo record of your belongings. Capture important individual items as well as entire rooms, closets or drawers. Label your photos with what's pictured, where you bought it, the make or model—whatever information might be important to replacing and/or getting reimbursed for the item. Use your smartphone or digital camera—some give you the capability to put in the description of the item when saving the photo.
  • Tape it – Walk through your house or apartment videotaping and describing the contents. For example, you might describe the contents of a kitchen cabinet: "Poppies on Blue by Lenox, service for 12 that includes a dinner plate, salad plate, bowl, cup and saucer. Purchased in 2015."
  • Use an app – There are many mobile app options that can help you create and store a room-by-room record of your belongings.

Keep your home inventory up-to-date and safely stored
Your home inventory is only useful if it's accurate and you can access it to provide information to your insurance company in case of fire, theft or other destructive disaster. Regardless of the medium you've used to create your list, keep it backed up and in a safe place.
  • Add significant new purchases to your list – Make it a habit to add the item information and receipts to your inventory while the details are fresh in your mind.
  • Store a copy of your paper inventory outside the home – Keep it—along with applicable receipts and appraisals—in a safe deposit box or at a friend's or relative's home. Make at least one backup copy of your inventory document and store it separately. An easy way to make digital backup copies of your paper list is to take pictures of it on your smartphone.
  • Backup digital files – Keep a copy on an external drive or online storage account.
  • Understand your app – Be sure the information you input is backed up by the app developer and that you know how to access information when you need it.

Next steps: After you've taken your inventory, learn how much homeowners insurance you need.  
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Do I Need to Tell my Insurance Company if my Dog Bites Someone?

9/26/2019

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You probably don’t think your dog would ever bite someone, let alone cause a serious injury. But dog bites are more common than you might realize—4.5 million occur every year in the U.S., according to the Centers for Disease Control and Prevention. And most victims are young children.

Those injuries also have a bigger impact on homeowners insurance than you might realize: The Insurance Information Institute says dog-related claims accounted for more than $600 million in insurance payments in 2016.

(Keep in mind that it’s not just bites that cause injuries. Dogs can knock down pedestrians or cyclists, too, which often leads to severe medical issues as well.)

With those numbers in mind, it’s understandable that insurance companies want to know if you’ve got a dog in your household. Some even will refuse to insure you if you have a specific breed with a reputation for aggressive behavior, regardless of whether your dog has ever bitten someone.

Despite that, you should never hide the fact that you have a dog from your insurance company. If you do, and your dog then causes an injury, your coverage could be invalidated—leaving you on the hook for potentially tens of thousands of dollars or more.

When a bite happens
OK, so your insurance company knows about your dog. But do you have to tell them if the dog bites or injures somebody?

That depends. If it’s a minor incident, you might consider paying out of pocket for any medical expenses in an attempt to avoid the claims process and a potential increase in your premiums. (In some instances, insurance companies will not renew your policy or will exclude your dog from coverage after paying for a dog-related claim.)

However, this might violate your policy, which probably requires you to report changes in your circumstances. If you don’t report a bite, and the dog then bites someone else later, the insurance company might deny you liability coverage for the second incident. Ask us to outline your options.

Another risk is the threat of future claims from the victim. Injuries aren’t always immediately apparent, and complications can arise later. The victim might decide down the road to sue you. And if you’ve waited too long to report the incident to your insurance company, it might be too late to make a claim and receive all the protection your policy was meant to provide—which can include help with attorney fees, medical bills and more.

A $33,000 mistake?
Ask yourself this: How would your budget look if you had an unexpected $33,000 expense? The average claim payment for a dog injury in 2016 was about that amount. And that’s with an insurance company working on behalf of the insured. If you’re on your own, you could wind up paying even more—a lot more.

Our advice? Start with your agent and discuss your specific situation. Even if you decide not to file a claim—which is always an option—you’ll get guidance from a professional on our team who can help you assess the risk.

Reposted with permission from the original author, Safeco Insurance®.
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Protecting Your Home: Understanding Your Home Insurance Policy

7/18/2019

37 Comments

 
​As a homeowner, one of the most important aspects of your home isn’t something you use daily. And it isn’t something flashy you show off to friends. It’s your homeowners insurance policy, and it protects you in more ways than you may think, helping you rebuild your home or repair damage that results from a covered loss.

But, that’s not all. It can also help cover the costs of a lawsuit, help you pay for somewhere else to live when your home is uninhabitable, and much more.

Home insurance is typically very comprehensive, but all policies have exclusions and coverage limits. It’s vital to know what those are so you know what’s covered and what’s not. Fire damage? Typically covered. Flood damage? Typically not.

With this guide, you can begin to understand what a typical home insurance policy covers. Just keep in mind that coverage varies from carrier to carrier, region to region and even policy to policy. Only your individual home policy can tell you the coverage you have and that which you don’t. For an even better understanding of your home policy coverage, review it with one of our agents.
​
What Home Insurance Covers The typical homeowners insurance policy has six types of coverage. They are commonly known as:
  • Coverage A: Dwelling, for damage to your house that occurs due to covered losses, such as a fire. Following a covered loss, dwelling coverage helps you repair or rebuild your home, including the structures, such as a garage or a deck, attached to it.
  • Coverage B: Other Structures, for damage to other buildings or structures on your property that result from a covered loss, such as a tornado. This may include a detached garage, a barn or a fence.
  • Coverage C: Personal Property, for damage to or loss, including theft, of your personal belongings and possessions, such as jewelry, furniture, guns and other valuables. If you experience a covered loss, this coverage will help you replace items up to the defined dollar limit in your policy. In certain instances, your belongings may be worth more than the typical home insurance policy covers. In this case, you may be able to purchase additional coverage through a process known as “scheduling valuables.” To help expedite a personal property claim, it helps to keep an updated home inventory of your belongings.
  • Coverage D: Additional Living Expenses, for costs incurred, up to your set policy limit, due to “loss of use” of your home, meaning your home has been damaged to the extent that you cannot live in it and you need to live elsewhere. This coverage helps you handle the costs of your temporary housing and related expenses.
  • Coverage E: Personal Liability, for damage to other people’s property for which you are responsible. This coverage may also help you handle legal costs and liability judgments resulting from a lawsuit, up to the defined dollar amounts outlined in your policy.
  • Coverage F: Medical Payments to Others, for bodily injuries to other people, such as a houseguest, that occur in your home or on your property. Like personal liability coverage, this coverage helps with the costs of a lawsuit or legal decision, up to your defined policy limits.

Remember that, despite having all of these different types of coverage, you’re only covered up to the dollar amounts that you select and only for covered losses, as outlined in your policy. Typically, you can change these policy limits at any time if you’d like to purchase more coverage. This is a good idea if, for example, you’ve recently added on to your home, acquired some pricey personal belongings or made other updates to your property. If needed, you can also reduce your coverage, though always ensure you are adequately protected.

What Home Insurance Doesn’t Cover
It’s just as important to know what your homeowners insurance doesn’t cover as it is to know what your home policy does cover. For starters, your policy does not cover any damage or repairs costing less than your deductible. It also does not cover any costs that exceed the coverage limits outlined in your policy. You are solely responsible for excess costs, unless you have an umbrella policy to provide additional liability coverage for a covered loss.
More than likely, your policy also does not cover routine maintenance and repairs, as well as damage due to animals, termites, floods, earthquakes, sinkholes, sewer backups, and other incidents. These are often considered non-covered losses. If you experience a non-covered loss, as outlined by your policy, you will be responsible for the costs.

What Home Insurance May Cover
Outside of the typical home insurance coverage, optional or separate coverage may be available from your carrier or from a different carrier. For example, you may be able to purchase earthquake or flood coverage separate from your homeowners policy.

Other coverage options are add-ons to your existing homeowners insurance. These can include identity protection and equipment breakdown coverage, which covers the cost to repair or replace a range of appliances and other equipment, such as pool equipment, in your home. If this sounds similar to an extended appliance warranty, it is. The difference is that you can insure an array of appliances at once through this optional coverage rather than purchasing a separate warranty for each one.

This guide is a starting point for understanding your home insurance policy. Your own policy may vary greatly from the descriptions above depending on the state where you live, your carrier, and the coverage you have selected. So take a close look at your policy by reviewing your documents or viewing your coverage online. Or, even better, sit down with one of our insurance agents who can explain your coverage in detail, as well as discuss whether your policy provides adequate protection for your home, property, and belongings.

Reposted with permission from the original author, Safeco Insurance®.
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Insuring Jewelry: How to Know if Your Coverage is Enough

5/16/2019

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​A ring from a loved one. A bracelet handed down through generations. A watch or necklace marking a special occasion.

Every reason why you treasure a piece of fine jewelry is a reason why it should be insured.

However, calling it “jewelry insurance” may be a stretch. You don’t need a separate policy to insure your jewelry. You just need to ensure you have the right personal property coverage from your homeowners, condo, or renters insurance.

Jewelry coverage helps protect the investment you’ve made in your favorite pieces by helping you replace them if you experience a loss that’s covered by your policy. But, the coverage is only for certain instances and set dollar amounts, so double check what coverage you have and learn more about insuring jewelry below.

Know What Your Existing Insurance Policy Covers
If you already have personal property coverage as part of a homeowners, renters, or condo policy, you likely already have some form of protection for your jewelry. The typical insurance policy will cover you, up to your policy limit, for jewelry that’s stolen or damaged in certain incidents, such as a fire at your home. However, the typical policy will not cover everyday damage, such as a stone falling out of its setting.

In addition to knowing when you’re covered and when you’re not, it’s also important to know how much you’re covered for. Your insurance policy may cover each individual piece of jewelry at a set amount, such as $1,000 per piece. Or, it may cover your jewelry collection as a whole, such as $3,000 for all pieces. Check your policy or schedule an insurance review with us to better understand what kind of jewelry coverage you have.

Calculate the Value of Your Jewelry Collection in Today’s Dollars
To determine whether you have enough jewelry insurance, you need to know how much your pieces are worth. Keep in mind that your pieces may be worth more now than when you bought them. The value of precious metals and precious stones can increase over time, so have your pieces appraised about every three years.

Use these appraisals, as well as receipts for recently purchased items, to add up the value of your collection. Then compare it to how much jewelry replacement coverage you have on your homeowners insurance, condo insurance or renters insurance.

Decide Which Items Require Additional Coverage
If the jewelry coverage on your policy is lower than the value of your collection, you’ll likely want to purchase additional coverage. For example, you may have a $2,000 pair of diamond earrings, a $7,500 engagement ring and an insurance policy that covers jewelry loss – no matter how many pieces – at $3,000. If both pieces are lost in a single incident, you’re short $6,500 of coverage.

To fill this gap, you can insure high-value items individually, as part of your homeowners insurance, condo insurance or renters insurance. This is known as “scheduling valuables” or adding a “rider” or “endorsement” to your policy. To do so, you will likely need a recent receipt or appraisal establishing the value of each item.

Once scheduled, if an item is damaged or lost in a covered incident, you’ll be covered for the full scheduled amount. Typically, scheduling an item also gives you broader coverage. A lost stone that isn’t covered under your homeowners policy, for example, is likely covered under a policy rider.

Catalog Your Jewelry in a Home Inventory
Once you arrange coverage for your high-value jewelry, it’s important to create a home inventory or update an existing one to catalog your valuable belongings. This isn’t as important for your scheduled pieces because your insurance company has a record of their value. However, for any unscheduled pieces that are lost or stolen, you’ll want a record of their worth.

Ideally, your home inventory will include photos, receipts, appraisals, descriptions, brand names, etc. of all valuable personal property, not just your jewelry. That way, if there’s a loss, you’ll already have the documentation needed for a personal property claim in place.

A home inventory can be as simple as a Word document (save it to the cloud or a flash drive in case your computer is damaged or stolen). Or use a Web program or mobile phone app, such as the home inventory app, to help you catalog your belongings.

Insuring jewelry is easy and affordable, so talk to us about it. If you get something special this year, in addition to flashing it to your friends, think about protecting it, too.

For more info, please visit Safeco Insurance®.
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three ways a pool may affect your homeowners insurance

4/26/2019

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That oh-so-covetable experience of taking a dip in your very own pool? Millions of American households enjoy it, at least when the weather’s nice.

With the summer heat ratcheting up, you may be coming down with a serious case of pool envy, obsessed with having a pool right outside your door for cooling off and entertaining friends. A swimming pool can even increase the value of your home. But, will it increase your homeowners insurance rates too?
​
Before you dive in and add a pool to your property or buy a home that already has one, here are three important things to keep in mind:
  1. Anytime you have an increase in property value or risk, you may need to increase your insurance coverage too.
    A pool increases your exposure to risk. You could be on the line for medical bills and other damages if people get hurt in or around your pool, even if they weren’t invited over for a swim. At the same time, a pool increases the value of your property. Your homeowners insurance needs to reflect both the increased value and risk of a pool, and you may want the added protection of an umbrella policy.
  2. Safety measures aren’t just nice to have. They may be required.
    Your town, municipality, or insurance company may require a fence and locked gate for your pool and even have specific guidelines on the height of that fence. If your house opens directly into the pool area, you may also consider a door alarm and safety cover to keep pets, children and other non-swimmers safe.
  3. Pool equipment, furniture and accessories increase the value of your personal belongings.
    Be sure to include any pool or patio-related items of value when you add up how much your personal belongings are worth to ensure you have enough coverage on your homeowners insurance policy. Keep in mind that per-item limits may apply, meaning the maximum amount payable on a single item is capped. For example, if you have an expensive outdoor sound system, you may want to check the per-item limit for electronics. Expanded coverage is often available for high-value items.

Above all, ask us questions. Against which risks is damage to my pool covered? Is the pump covered too and under what circumstances?

Working closely with someone who understands your property and the local zoning laws is one of the best ways to fully understand how a pool may affect your homeowners insurance rates. We can help you find the right balance of coverage for your specific situation and help ensure your relaxing oasis isn’t an unmanageable risk.

Looking for a Homeowners Insurance quote?
Contact us to get the coverage that’s right for you, whether you have a pool or not!

For more information, visit Safeco Insurance®.
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want a safer home? consider these inexpensive fixes

3/29/2019

1 Comment

 
Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too.

But there are plenty of simple maintenance tasks and other improvements you can handle to make your home safer – whether you’re handy or not. And you won’t have to break out the power tools (or any tools at all in some instances) or worry about getting in over your head.

Water Works
You need running water in your home – but not water running in your home, if you know what we mean. Even minor leaks can cause major problems, from higher water bills to damage requiring costly repairs (maybe even the kind you can’t tackle yourself). Here are some easy ways to make sure your water stays where it should:
  • Check your appliances. They’re the most common source of water leaks in homes, so it’s worth taking a look at least once a year to check for problems. And the hoses that come with your washer and dishwasher can mean big trouble – they break down over time. Look for kinks and cracks, and replace if needed. Consider using reinforced hoses, too; those with steel braiding or mesh won’t hold up forever, but they’re stronger than rubber or plastic.
  • Watch the pressure. Water pressure that is set too high can cause pipes, hoses and water lines to leak or burst. Inexpensive gauges are available at home-improvement stores to test your pressure.
  • Consider installing water sensors. These can alert you to a leak or other problem soon after it occurs – some can even send messages to your smartphone.

​Keep Your Family (and Your Guests) On Their Feet
Millions of Americans – many of them older adults – are injured in falls each year. About 2.5 million were hurt in 2013 alone, according to the National Safety Council and the Centers for Disease Control and Prevention. Look around your home. Should you make some of these fixes?
  • Reduce clutter. Everything from small pieces of furniture to area rugs can pose a hazard, so make sure they’re in appropriate places and out of the way if possible.
  • Add stability to stairs. Make sure stairways have sturdy rails, and maybe even non-slip strips, particularly outdoors.
  • Let there be light. It’s hard to walk safely when you can’t see obstacles or potential trouble spots. Make sure your home is well-lit, and don’t forget night lights, too.

Give Everyone Some Air
Pollution isn’t just an outside thing – the air in your home can be unhealthy, too. But helping people breathe a little easier isn’t hard when you follow these steps:
  • Test the air (and your detectors). Make sure you have working carbon-monoxide and smoke detectors and test them regularly. Also, consider testing your home for radon, a naturally occurring radioactive gas that can be dangerous over time.
  • Check your filters and ducts. Keeping your furnace filter and air ducts clean will keep your air cleaner as well. And consider adding some of nature’s air filters: plants.
  • Keep your home clean. Dust doesn’t just build up on the furniture – it ends up in the air as well. Regular cleaning means cleaner air (just be sure to use safe products).

Home improvement doesn’t have to mean a kitchen remodel or finishing the basement. Making your home safer, in fact, just might be the best improvement of all.

Reposted with permission from the original author, Safeco Insurance®.
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