How to Avoid Home Insurance Claims during the Winter

Winter is full of friends, family, and festivities, but the extra cooking, decorating, and celebrating that occurs during the season can lead to more risks in the home. With the right tips, you can avoid having to file an insurance claim in Ft. Worth, TX.

  • Decorate Carefully: Reduce the risk of fire by using non-flammable and flame retardant decorations. If you are using a fresh Christmas tree, keep the water levels in check, and if you are using an artificial tree, decorate with UL listed lights. Keep the tree away from any heat sources.
  • Be Careful with Candles: December is the peak time for fires that are started by candles. Keep candles away from anything that can burn and be sure that candles are out of reach from children and animals. Be sure to extinguish candles before going to sleep and leaving the room.
  • Prevent Theft: There are usually more break-ins during the holiday season. Lock doors and windows and keep blinds closed to prevent thieves from looking at new presents. If you get new valuables for the holidays, update your insurance policy with your agent at Main Street Independent Insurance Agencies, Inc.
  • Protect Pipes: Poor insulation, drops in temperature, and keeping the thermostat too low can cause frozen pipes, so be sure to insulate pipes to prevent them from bursting.
  • Host Responsible Parties: If you are serving alcohol at a holiday party, be sure you are covered from liability. Offer that guests stay the night or have a designated driver and ensure no one is driving after drinking.
  • Test Smoke Detectors: Since the winter holidays create more fire hazards, make sure you are checking your fire safety prevention system.
  • Be Careful in the Kitchen: With more cooking this time of year, fires are increased. Stay in the kitchen while food is cooking.

Contact Main Street Independent Insurance Agencies, Inc. serving Ft. Worth, TX, to get a quote on home insurance in Colorado and Texas. 

How Organizing Your Home Can Make It Safer

How organized is your home? Do you have clutter and chaos in certain areas or even in every room? You need to get things tidy and organized in order to improve safety and well-being. Here are some specific tips and ideas, courtesy of Main Street Independent Insurance, serving the Ft. Worth, TX area.

Paper Clutter Cleanup

Getting rid of stacks of paper can reduce fire risk, so send those magazines, catalogs, newspapers, and miscellaneous papers into the trash can or recycling bin. Get them out of your house. Not only will you be improving your home’s appearance, but you will also be making things much safer and more organized.

Fire Extinguishers Assessment

Do you have any fire extinguishers in your house, and if so, how many, and where are they in your house? Do you have enough fire extinguishers, and are they in proper working condition? Knowing where the fire extinguisher is can give peace of mind. One key step to take as you get organized involves making sure you have enough fire extinguishers and that they work the way they should.

Evaluating Trip Hazards

You might have clutter around your home in the form of items that are creating trip hazards. And you need to remove trip hazards like dangling electrical cords to improve safety and peace of mind. Remember to assess all areas in your home, including all levels and rooms of the house, stairs, garage, and outdoor areas like the yard and sidewalks.

Do you need information about home insurance and how to make your house safer? Feel free to contact Main Street Independent Insurance, serving the Ft. Worth, TX area, for further guidance and details.

What Type Of Contents Does Home Insurance Cover?

Before selecting the type of homeowner’s insurance policy you need, there are a few things you must consider to be adequately insured. One of the most important things to keep in mind is the contents of the home. Most people know that the structure is protected, but did you know that you can add contents to the policy? Knowing that you can add contents to the coverage, what exactly does the policy cover?

Covering Contents

When it comes to covering contents, you must ask the insurance agent what the policy will cover. Items such as art, furs, and jewelry usually are covered, but other items such as clothing and small trinkets are not. Before purchasing your contents coverage, you need to document all of your possessions that are going to be covered. Keep receipts and photographs of these items to expedite the claims process and avoid issues. Contents coverage has limits and exclusions. If you own expensive items, they may not be covered for their actual value, but rather for a set amount. There is additional coverage available on some policies as a rider. The rider requires that you have a receipt or an appraisal on file for the item in order for the coverage to be valid.

Getting The Right Contents Coverage

Before you decide on your insurance coverage, especially when it comes to providing contents coverage, you should consult a reputable, knowledgeable insurance company like Main Street Independent Insurance. We take pride in serving residents in and around the Ft. Worth, TX area. We can answer any questions you may have about home insurance and help guide you while shopping for the right amount of coverage. 

If you live in or around the Ft. Worth, TX area and want to protect your home and its contents, then call or stop by the Main Street Independent Insurance office for more information. We can also help residents in Colorado with insurance policies.

What Factors Are Considered in Home Insurance Premiums?

Although most states require that drivers have auto insurance, not all states require that a homeowner has homeowners insurance. However, by not having your home protected, you can be wasting thousands of dollars. Depending on where you live, your home can be at risk of fires, storms, hail, and other unexpected causes. And in this day and age, the weather and storm patterns are more unpredictable than ever.

Have you ever wondered what factors are considered when it comes to the price of home insurance premiums? See below for the possible causes:

Insurance History

If you have a past that includes numerous homeowner insurance claims, you could be due for a higher premium. 

Life Choices

Even instances of being a smoker can affect your home insurance premiums. Your background and credit report might also be a culprit to high policy prices.

Area of Residence

Your location is one the top factors when it comes to homeowners insurance premiums. For instance, if you live in a high flood danger area, you’re home is more likely to be involved in a flood, which will drive up the premiums. Other causes such as hurricanes, violent storms, and fires are all factors that are considered.

Structure and Home Features

The characteristics of your home provide a good indicator of the premium of your policy. Older homes and weak structures tend to have higher policy prices. If you live in a new home, you can reap the benefits of a cheaper premium. 

Stay Protected with Homeowners Insurance

Having homeowners insurance is very important for the protection of your home. Nowadays, you never know what can happen in the world. Crazy hurricanes, extreme floods, and nasty wildfires happen year after year. And if you don’t have home insurance to protect you and your belongings, you could find yourself going through financial hardship in a tough situation. 

If you need insurance solutions in Ft. Worth, TX, reach out to Main Street Independent Insurance today. We have a long history of providing outstanding insurance solutions. We’ve worked hard to be a well-known insurance provider in Ft. Worth, TX. Call Main Street Independent Insurance now for more information!

Types Of Assets Protected Under Home Insurance.

Home insurance plans may vary on what they will cover, but they will always take care of the basics. You may find that some of your property may or may not be covered depending on the terms of your home insurance policy. If you are looking for a reliable insurance plan with a broad spectrum of coverage options in Texas or Colorado, consult with Main Street Independent Insurance Agencies Inc. in Ft. Worth, TX.

Damage To Your House

Protecting the structure of your home in the event of harm is the primary goal of any home insurance. Disasters like tornados, hurricanes, fires, and more can occur, and home insurance will cover the damages. Floods, earthquakes, and neglect of property do not count in most home insurance policies. Typically you will want to take out just enough coverage to rebuild your house in the event of complete destruction.

Detached Structures

Many policies will also allow you to add your garage, carport, gazebos, tool sheds, or other structures that are on your property. The amount covered by these structures will be about 10 percent of your home’s value, but the coverage amount varies by company.

Valuable Personal Items

Insurance companies recognize that disasters will affect more than just the structure of your home but also the things inside. Your expensive laptops, jewelry, collectibles, and more will be covered after speaking with your insurance agent. Some plans will also include stolen items or fraudulent credit card usage. Expensive trees or plants also have a degree of coverage in some policies.

As you can see, you can cover a variety of assets on your property with home insurance. If you need a reliable plan to keep you completely covered in Texas or Colorado, Main Street Independent Insurance Agencies Inc. in Ft. Worth, TX can help you find an insurance policy. Also, try our online rating tool for quotes on home insurance.