Homeowners Insurance Info
(Sometimes called
Hazard Insurance)
An
awesome and scary sight. A home on fire.
As a home buyer, and present home owner you must make sure you
have adequate home insurance protection. You never know when
you'll need it.
Make sure to review your policy yearly, or when you receive a
notice about changes in your coverage. As one person put it,
the large print giveth, the small print taketh away.
In order to make sure you have adequate coverage you'll also need
to stay on top of your property's value.
I've included links here with helpful information and articles.
As a prospective home owner and as a current homeowner, you'll
probably find information here worth knowing.
Of
course, I'm not an insurance agent so specific questions should be
addressed to your insurance agent.
Special Note: As soon as
you have a contract call your insurance agent to make sure there
won't be any problems getting insurance coverage for the property
you want. Unfortunately, there have been problems getting
property insurance in order to close the sale.
A new law
requires you to install carbon monoxide detectors too. And
make sure to have a supply of batteries, flashlights in each room,
ready when needed and everyone knows where they are.
Check
or test them monthly and
replace the batteries if needed!
Our
kids made a "monthly game" going from one smoke
detector to another and pushing the test button. They'd
get to replace the battery if it needed it.
They
had fun doing it and it's important.
We found out we
needed a new smoke detector a couple of times - not just a
battery!
Oh,
don't forget to create and practice an emergency escape route
with all family members.
Have
a certain place to meet at if you can't get together in the
house.
Please
stress to everyone to stay low to the floor and just get
out. Don't try to take anything with you.
Don't try to find others.
Fires
spread much quicker and intensifies more rapidly than most of us can
imagine. Most often you only have a couple of minutes at
most, sometimes only seconds. Be safe.
Sometimes, your local
fire department will gladly come by to give you fire safety
tips about your home and help create an escape route.
The kids will be very impressed to say the least!
Let's
hear three rounds of cheering for our courageous firemen and
policemen!
