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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Help Your Vehicle and Home Recover from Winter

Winter_SpringIt’s finally beginning to feel like Spring across the area as the sunshine and warm temperatures begin to grace us with there presence. The beginning of Spring marks the end of the exceptionably harsh winter season much of the East Coast has experienced this year. It’s likely your vehicle as well as your home exhibit some signs of wear following the extreme temperature dips, snow and ice experienced this winter. Luckily, there are a number of helpful steps you can take to better restore them to their pre-winter condition. Take a look at the articles below in order to learn how to help your car and home recover from winter.

Keep in mind, with winter in the rear-view warmer days are soon to come! Let our agency help protect you from the unexpected, contact a Kimberley Vassal Insurance agent today for a Pennsylvania Home, Auto, or Business Insurance Quote, http://www.kimberleyvassal.com.

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Homeowners Insurance Premium

I came across this awesome article in an Erie Sense magazine the other day and wanted to share some of the information. To give you a little background, the article was located in a section of the magazine titled “Ask Erie.” Someone asked the question, Why did my neighbor’s homeowners insurance premium go up, without a claim? The response to the question was very complex and overall very helpful. Therefore, I wanted to share the information just incase you were wondering the same thing.

Pricing homeowners insurance is complex, and there are probably several reasons behind your neighbor’s homeowners insurance premium increase. They could include:

  1. Inflation: Increases in the value of his dwelling, the other structures on his property and the replacement cost of his property would make his premium go up. “Though there’s an increase, it’s really a good thing since it means your property is adequately covered,” says Terry McConnell, ERIE’s vice president and manager, Personal Lines Underwriting.
  2. Increased catastrophes: The increased frequency and severity of catastrophes over the past five years have made homeowners prices more volatile than auto insurance prices since you can’t exactly move your home out of harm’s way. Sometimes, less newsworthy weather events cause the most damage. “People always think of hurricanes when they think of catastrophes, but some of our biggest losses come from thunderstorms, hail, winter storms and tornados,” says McConnell. Insurers adjust prices based on how much damage your particular state experienced. If your state didn’t suffer much, you can typically expect little or no increase.
  3. Construction costs driven by a shortage of materials: Even if a catastrophe occurs on the other side of the country, it can still have implications on your neighbor’s homeowners rate. That’s because widespread damage causes a shortage of building materials, which drives up their price for everyone. (Labor shortages increase the cost of construction projects as well.)
  4. Changes in previous discounts: Finally, your neighbor might have seen an increase in his homeowners premium if some of his discounts were reduced or expired. For example, a new home discount will lessen as a home ages.

To learn more about Pennsylvania homeowners insurance or for a free homeowners insurance quote contact a Kimberley Vassal Insurance agent today or visit our website, http://www.kimberleyvassal.com.

How Safe Is Your Winter Heating Defense?

With the Fall season upon us you know what that means… Winter is slowly beginning to creep in! Now is a good time to ask yourself, How safe is my winter heating defense? The best defense is making sure your home’s heating system is maintained properly. Follow these tips for extra efficiency and warmth:

  • Have a professional inspect your heating system once per year, before winter hits.
  • Replace air filters often, per the manufacturer’s recommendation (the professional who inspects your heating system can tell you what’s best).
  • Seal up air leaks and add insulation around the house.
  • Clean registers and make sure they’re not blocked by furniture, carpets or drapes.
  • Bleed trapped air from hot water radiators.

Also, some homeowners opt for alternative heating devices, such as space heaters. While these can be comforting and warming, they can also become a fire-hazard. The U.S. Consumer Product Safety Commission estimates that space heaters are associated with about 33,300 residential fires every year. Therefore, if you decide to add alternative heating to your regime, make safety a top priority. The Insurance Institute for Business & Home Safety (IBHS) suggests:

  • Look for products tested by Underwriters Laboratory (UL). Properly tested and rated stoves will have an attached safety label and an installation.
  • Buy models with automatic shut-off features and heat element guards.
  • Maintain a 36-inch clearance between the heater and combustible materials, such as bedding, furniture, wall coverings or other flammable items.
  • Do not leave a heater unattended.
  • Check every electrical cord for fraying and cracking. If one looks worn, replace it before using.
  • Install carbon monoxide detectors in several parts of the house.
  • Never run the heater’s cord (or any cord) under rugs or carpeting.

Go to disastersafety.org for more information or contact a Kimberley Vassal Insurance agent  today! Having insurance should put your mind at ease, knowing that your home, possessions and assets are protected if an accident or loss takes place. For a free Pennsylvania homeowners insurance quote visit our website today, http://www.kimberleyvassal.com.


Guaranteed Replacement Cost

When purchasing a home insurance policy, it’s important to buy enough coverage to protect yourself against financial loss if a catastrophe would occur.

Sixty-four percent of homes are undervalued, and potentially underinsured, by an average of 19 percent, according to Marshall & Swift/Boeckh, a California-based company that calculates residential building cost data. In the event of a total loss, you may be responsible for making up the difference out of pocket, an amount that can easily mean tens of thousands of dollars.

That’s why Erie Insurance offers Guaranteed Replacement Cost. That one extra word guaranteed means you’ll be covered if your home is damaged or destroyed from a fire, tornado or other covered loss. You could rebuild your home after a major loss without worrying about depreciation, policy limits or insurance construction costs once you’ve repaired or replaced the damaged property.

The coverage is available with an Erie Insurance home insurance policy. For more information, contact a Kimberley Vassal Insurance agent today! http://www.kimberleyvassal.com

Is Your Home Covered Properly?

Home. The word itself is solid, warm and comforting. But what if all that were swept away in a single moment? Could you rebuild, start again, make it what it was before?

Many Americans’ homeowners insurance doesn’t cover the full cost of replacing their home in case of total destruction. In fact, most Americans are underinsured by 38 percent. That means that if your home cost $200,000, to rebuild, you could be out of pocket up to $76,000.

Things get even trickier when you take into account the rapidly rising cost of labor and building materials. Maybe it cost $200,000 to build your home 10 years ago, but today it could cost significantly more.

However, with the proper Pennsylvania Homeowners Insurance you don’t have to worry about any of that. Ask yourself this, is your home covered 100 percent? If you’re not sure, it’s time to find out. Call us at Kimberley Vassal Insurance Services today, and let’s talk about your family’s needs, and how we can make your home secure, no matter what happens,  www.kimberleyvassal.com.

Keeping Your Home Safe

Weren’t you excited when you bought your home? Unfortunately, with home ownership, when the sink springs a leak or the air conditioner breaks, you’re on your own; there’s no landlord to fix the problem. These issues always pop up when you least expect them. You never know when Mother Nature will strike, so make sure you prepare your home for whatever natural disaster lurks around the corner with Pennsylvania Homeowners Insurance.

If anything should happen to your house, Kimberley Vassal Insurance will be here for you. We have agents who can answer your homeowners insurance questions, and help you solve problems from leaking roofs to fallen trees. If your house is damaged, we have recommendations for local businesses of all kinds who can help you get your home back in mint condition. We love supporting local businesses and we’d love to support you, too. To receive a free Pennsylvania Insurance quote visit our website today, http://www.kimberleyvassal.com