Homeowners Insurance

What Kind of Protection Does Homeowners Insurance Provide?

PA Home Insurance Homeowners Insurance is a very common class of insurance that is enacted to provide protection in the event of an accident or disaster. However, it offers more then just protection against damage and theft, it also offers piece of mind and security. If disaster strikes, the last thing you should worry about is money and how you will afford to recover. If you’re like many and don’t necessarily understand the details that lie in a common homeowners insurance policy take a look at this article, The Importance of Homeowners Insurancewhich provides three basic ways you’re covered with a typical homeowners insurance policy. Overall, the article offers a good foundation of what’s covered in a typical homeowners insurance policy, but to learn even more about homeowners insurance or to receive a free Pennsylvania insurance quote  contact our agency today, www.kimberleyvassal.com.

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End of Winter Survival Guide

winter sunMother Nature can be unpredictable. That being said, winter still has plenty of time to wreak havoc on our area. With the current winter storm behind us, I wanted to share some important links that will help ensure safety as you begin to clean up and prepare for the remaining winter season:

  • Snow Shoveling Safety Tips: While shoveling snow can be good exercise, it can also be dangerous for shovelers who take on more than they can handle, learn how to avoid injury while shoveling snow.
  • Avoid Pothole Damages while Driving: The winter weather is inevitably causing problems on the roadways, leaving a number of dangerous potholes. Learn how to avoid pothole damages on the roadway.

While the dangers involved with winter weather tend to be unpredictable, it is always better to be prepared in order to ensure safety. On top of reading the articles above, having the proper Pennsylvania insurance coverage is vital to better ensure the protection of you and your family in the event winter storm dangers and damages. For more information contact a Kimberley Vassal Insurance agent, 800.511.9377. Lets hope Spring comes sooner then later!

Don’t Let Winter Weather Affect You

With the chance of another wintery snow storm expected to affect the region later this week (Wednesday into Thursday), I wanted to share a few important links that will help keep you and your family safe during the remaining winter months.

Brushing up on safety tips and tricks can help keep you and your family safe. However, accidents do happen. Even the most careful and safe individuals cannot always avoid an accident. That is why having the proper insurance coverage is so important. At Kimberley Vassal Insurance Services, we are happy to review your insurance policy and answer any questions you may have. To speak with one of our specialized agents about a free Pennsylvania insurance quote contact our agency today, 800.511.9377.

 

Are You Protected From Identity Theft?

The Federal Trade Commission estimates that as many as 9 million Americans have their identities stolen each year. Are you prepared to spend time and money if someone steals your identity?

Identity thieves may rent an apartment, obtain a credit card, or establish a telephone account in your name. You may not find out about the theft until you review your credit report or a credit card statement and notice charges you didn’t make or until you’re contacted by a debt collector. While some identity theft victims can resolve their problems quickly, others spend hundreds of dollars and many days repairing damage to their good name and credit record.

In many cases Identity Recovery Coverage can be added to your homeowners insurance policy. For more information about Identity Recovery Coverage or to read about Cyber Liability Coverage visit our homepage today,  www.kimberleyvassal.com.

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Cyber Liability Coverage (www.kimberleyvassal.com)

 

Potential Liquor Liability Risk?

As a party host, you probably don’t want to think about your potential liquor liability. But it’s something you’ll want to consider as your party planning gets under way this holiday season. That’s because most states hold party hosts who offer excessive alcohol to their guests responsible for those guests’ actions behind the wheel. In those states, anyone injured by a drunk driver has the right to sue the host of the party who served the alcohol. Sometimes, criminal charges may even apply.

However, this doesn’t mean you need to call off your party. Instead, keeping a few things in mind may significantly reduce your exposure to social host liquor liability.

  • Limit guests to people you actually know and seriously consider cutting from your list anyone who habitually overindulges.
  • Encourage your guests to choose a designated driver before they arrive.
  • Serve plenty of nonalcoholic drinks and food to help counter the effects of the alcohol.
  • Have activities like dancing or games going on that don’t involve alcohol.
  • Stop serving alcohol well before the party ends.
  • Offer to call a cab or be the designated driver for anyone who appears intoxicated.

As a final precaution, review your homeowners or renters policy. It may offer coverage for damages sought by someone injured by a party guest. For more information on liability insurance, contact a Kimberley Vassal Insurance agent today, http://www.kimberleyvassal.com.

Avoid a Christmas Tree Disaster

 According to the National Fire Protection Association, Christmas trees caused 230 home fires that resulted in $17.3 million of damage between 2006 and 2010. Fortunately, a few simple precautions will keep your Christmas tree and your home merry and safe.

  • Pick a stand that can hold enough water for your tree. The general rule of thumb is to allow one quart of water per inch of stem diameter. Water is important because dry trees catch fire much faster than trees that are watered regularly. (See the video below to get an idea of the life-saving difference this can make.)
  • Check the water at least once a day. Trees are often thirstier than you think!
  • Set your tree away from direct sunlight to keep it from drying out.
  • Keep your tree away from fireplaces, heaters, heating vents and radiators to prevent a fire.
  • Consider using lights that produce low heat like miniature lights. They won’t dry out your tree as fast.
  • Check light strands for cracks and fraying every year. Toss any lights that are worn.
  • Don’t connect more than three strands of lights to one another.
  • Unplug your Christmas tree lights every night or add a timer that will turn them off at a specified time.
  • Don’t overload electrical circuits.
  • Make sure you’re using the proper lights for indoor and outdoor use. Indoor lights may not get as hot as outdoor lights, making them better for indoor trees.

Finally, remember to recycle your tree at a Christmas tree recycling center at the end of the season. For a free Pennsylvania Homeowners insurance quote visit our website today, http://www.kimberleyvassa.com!

Keep Your Holiday Gifts Safe

The holiday shopping season is here, and the National Retail Federation predicts holiday sales to rise 3.9 percent to $602.1 billion this year. That’s a lot of money being spent on gifts for loved ones, making homes a big target for theft during the holiday season. If you have jewelry, electronics or other big ticket items on your wish list this year, make sure you’re protected long after the gift wrap and ornaments are put away.

Make sure your valuables are covered:

  • Have the gift appraised. This can help establish the item’s value. If a piece of jewelry is an antique or was purchased several years ago, it will need to be appraised for a dollar value. While it might be difficult to put a price tag on sentimental value, this is a necessity to ensure your priceless possessions are accounted for and protected.
  • Check your insurance coverage. Review your current policy to make sure your valuables are covered. Most homeowners and renters insurance policies do include coverage for expensive personal items but many policies will limit the reimbursement amount if they are stolen. In this case, you might want to purchase an additional rider to expand the coverage on the policy.
  • Consider expanded policy coverage. For an additional premium (the amount paid for coverage), you can increase your coverage limits for each theft loss. Your insurance agent can help you decide what makes sense, based on the value of your items.
  • Keep your store receipt. Save it with your home inventory records and take a picture of the item. Photos and documentation will help speed up the claims process if you ever have to file one.
  • Store the item in a secure location. If it’s something that you don’t use on a regular basis, you may want to consider keeping it in a safe deposit box. Otherwise, use an in-home lock box.
  • Get a home security system. Consider installing a home security system for added protection. Many times, just having a sign in your yard from the home security company is enough to dissuade intruders. 
  • Alert the authorities and your insurance agent. Should your items go missing or you suspect theft, fill out a police report and alert your insurance agent right away. This will speed up the claims process and will probably increase the likelihood of getting your personal items returned.

This holiday season, if you want to make sure your valuables are protected, talk with a Kimberley Vassal Insurance agent to find out just what your options are. For more information visit our website, http://www.kimberleyvassal.com.