Massive Hurricanes Remind Us All To Have Adequate Home Insurance

Posted on November 6, 2017October 16, 2017 by agentinsure

The recent hurricanes that hit Texas and Florida remind those in Connecticut, who live near the coast, of the importance of having adequate home insurance protection. Lenders do not always require full replacement coverage because they are only concerned about getting the loan repaid. Homeowners, on the other hand, benefit greatly by making sure they have enough coverage to be able to rebuild their home if it is damaged or destroyed.

It can be a real problem if your home is underinsured. Recent news reports note that the Federal Emergency Management Agency (FEMA) is running completely out of money, so the government may not be able to help if your home gets damaged. Climate change is certainly causing storms to become more severe and the recent hurricanes broke all-time records.

The agents at FIDA Insurance Group serving Monroe, CT, and the surrounding areas are able to help you if you are concerned about your existing home insurance coverage or if you need brand new coverage.

Things to consider are:

Replacement Value – The goal is to make sure the replacement value accurately represents what it would cost to rebuild your home if it was completely destroyed. Be sure to add in the cost of any recent upgrades, renovations, or additions made to the home.
Disaster Coverage – While wind damage may be covered by a home insurance policy, water damage from flooding usually needs separate flood insurance coverage. Check with your agent to be sure.
Personal Property – Having a complete list of the values of all personal property, especially that takes note of any expensive items kept in the home, garage, or on the property, is a very useful tool to help make calculations of the coverage amounts needed.

Contact an agent at FIDA Insurance Group serving Monroe, CT, and the surrounding areas for help with home insurance in order to make sure you have adequate protection.

Does Marriage or Divorce Affect Your Home Insurance?

Posted on October 17, 2017October 16, 2017 by agentinsure

A change of status from single to married or vice versa could have an effect on your home insurance. When people marry, they usually combine two households, increasing the amount of goods that need coverage. As a result, you may need to increase your policy limits to get accurate protection. In the case of divorce, you may need less coverage due to a spouse leaving with his or her personal effects. Here are a few ways a change of status can impact your home insurance policy.

Marriage

If you and your new spouse bundle your home and auto policies, you could qualify for a discount on your premium, saving you money on insurance costs. This savings could be invested in increasing coverage limits to protect your combined households.

An increase in personal property will require more coverage, especially if your spouse brings valuable goods into your Monroe, CT home. At Fida Insurance Group, we can help you personalize a homeowner’s policy that meets you and your spouse’s needs.

As newlyweds, you may also want extra liability coverage to protect your combined assets. Umbrella liability insurance will protect such assets as your home, vehicles, rental properties, etc. against major claims or lawsuits.

Divorce

Divorce will require that you alter your policy to reflect changes in your household. If your spouse leaves with his or her personal effects or you divide furniture or other assets, you could reduce property coverage to save on insurance costs. If both of you are listed on the policy, you’ll need to make changes to ensure you’re still covered once the divorce is done.

By discussing upcoming status changes with your Fida Insurance Group agent in Monroe, CT, you can avoid problems in protecting your property. We’ll do all we can to ensure a smooth transition in your home insurance coverage.

Does Home Insurance Cover Injury to Visitors?

Posted on July 12, 2017August 25, 2017 by agentinsure

Everyone loves having visitors to their home but there is always the what if, what if they get hurt, how will I pay the bills, how will the issue be resolved? What most people do not know is that if someone is injured on your property or in your home, if you are insured, they are covered as well. For those in the Monroe, CT area, the agents with Fida Insurance Group can explain further.

Insurance on your home works to help protect you from any event that might happen. This means that it also protects you if your visitors are injured while in your home. This means that they will not be able to sue you personally but rather can file a claim with your homeowner’s insurance to help cover their medical costs. There are some stipulations, however.

The first is that they have to have been injured as a result of something in your home or your property itself. If they are stung by a bee, for instance, this would not be covered simply because it is a force of nature. If they fall into a hole on your property however and break their ankle, their claim would be covered. Similarly, if there was a tornado and they were in your home when it occurred and were injured the home and your visitors would both be covered.

The best way to see if you are insured is to talk with an agent and go over everything that the policy covers. As a general rule, homeowner’s insurance is in place to help maintain and protect the home as well as protect the homeowner. For those that live in the Monroe, CT area, the agents with Fida Insurance Group can go over each and every eventuality and help you find out just what your policy covers or what it might be lacking.

Do You Have Sufficient Home Coverage for Storm Damage?

Posted on April 20, 2017April 15, 2017 by agentinsure

Fierce winter storms can cause extensive damage to your Monroe, CT home. With home insurance from Fida Insurance Group, you can rest assured that your home and personal effects are protected against severe storms. If you live in an area where storms are prevalent, you should ensure you have adequate protection to meet your needs.

What Aspects of Storm Damage does Home Insurance Cover?

The average home insurance policy covers damage to your home structure and personal belongings due to inclement weather. This includes damage caused by falling trees or debris caused by severe winter storms, heavy rains, hail, winds and tornadoes or fire caused by lightning strikes. The amount of protection should coincide with the value of your property.

Flood protection is generally not covered within a standard home insurance policy. If you live in a flood zone, you should obtain flood insurance to protect your investment.

If storm damage makes your home unsafe to live in, loss of use insurance could cover your living expenses while your home is undergoing repairs. You can discuss this coverage with your insurer to get a better understanding of what it has to offer.

Home Upkeep Essential to Receive Coverage

Home maintenance is essential to getting the storm damage protection you need. If your house is in disrepair or suffers extensive wear and tear, your insurer could refuse your storm damage claim, stating that poor maintenance contributed to the damage. Keeping up with home maintenance to include roof repairs, regular cleaning of gutters and replacement of worn windows and doors reduces the risk of severe storm damage to your home. It also makes it easier to file for a storm damage claim if and when you have need.

For more information on how to obtain the best storm damage protection for your property, contact your Fida Insurance Group agent today.

Smart Home Security Tips

Posted on February 20, 2017February 18, 2017 by agentinsure

You want to keep your family and valuables safe. Fida Insurance Group in Monroe, CT has expert insurance agents available to advise you on how home security could affect your insurance policy.

Change Your Door Locks

With all of the excitement of a move, it is easy to forget that your home may be brand new to you but was someone else’s previously. Change all of your doors’ locks, including the bedrooms and garage doors. If you’re renting, you may need to contact your landlord before changing the locks and give them an extra set of keys.

Add an Alarm System

Mostly, alarm systems are a deterrent for burglars. Once they see or hear an alarm go off, they are likely to run away. But if they are bolder, an intruder may try to break in regardless of your system. The good thing about having an alarm is that the system immediately notifies your security company if there is an intruder. The company will, in turn, contact the police and send them to investigate the disturbance.

Protect Your Home When you’re Away

If you are away from your home on vacation or a lengthy business trip, keep the lights on at night. Install an automatic light timer that will turn your lights on and off during non-daylight hours or have a friend stay to show a presence in the house.

Call your local newspaper delivery service and the post office and have the deliveries stopped until your return date. A pile of newspapers and packages at your doorstep is an indicator to thieves that you are not home and won’t be back for some time.

In Monroe, CT, the independent insurance agents at the Fida Insurance Group can help you keep your home secure with homeowners coverage and any additional insurance that you may need.

Is Your Home in Good Shape for Winter?

Posted on January 31, 2017February 6, 2017 by agentinsure

It is the middle of winter now in Monroe, CT, which means cold weather. When it’s cold, it is nice to come home to a warm and cozy house. To keep your home comfortable and safe all winter long, it is important to take a few steps to winterize it. Even though we are well into the season already, at Fida Insurance Group, we believe it is never too late for routine maintenance that helps to preserve your home. If you haven’t prepared your home for winter, or have recently moved to the area, here are some steps to take get it in shape.

Winterizing the Exterior of Your Home

You may have already begun to use your fireplace. However, you should still inspect the chimney if you have not already done so. Check inside the fireplace for debris. Examine the bricks and mortar joints around it. If any of these are damaged, repair them. While on the roof, inspect your shingles and flashing for damage. Any kind of roof damage can lead to water leaks from rain or melting ice and snow.

Winterizing the Interior of Your Home

To ensure that the cold air stays outside, make sure that your windows and doors are properly sealed. Replace the caulking around the windows if you feel a draft. For doors that lead to the outside, the weather stripping may need replacing if air is seeping in. Add insulation in the attic if you can see the ceiling joists. By taking these steps not only will your home stay warm, you may even notice a difference on your next energy bill. If you need assistance, contact one of the agents at Fida Insurance Group of Monroe, CT. We are here to help you.

The Best Things to Do Before a Winter Storm

Posted on December 23, 2016January 23, 2017 by agentinsure

Winter storms are a common occurrence in Monroe, CT. Even if you are used to them, you may not be properly preparing for them. Before the next winter storm comes, be sure to use these tricks so you are fully prepared.

Stock Up on Food and Water

Winter storms can be unpredictable and you want to make sure you have enough food and water in the home for everyone to survive on for a few days, just in case you are stranded. When choosing food, you may want to opt for some options that do not require any cooking in case you lose power at any point during the storm.

Get Salt

More than likely, you will get some ice on your driveway and walkways. To help speed the melting process up, put some salt, sand, or cat litter on these areas before the storm. Even if you cannot do this before the storm, have some so you can put it on after.

Get Other Essentials

You should also get some items that you may need like an emergency kit, candles, fireplace supplies, and extra blankets. Make sure you are prepared for anything including a power outage. It is always good to have a heat source so make sure you have everything you need for your fireplace.

Even when you are prepared for a winter storm, things can still happen and you may have damage to your home. The best way to protect your investment is with a great home insurance policy. If you are looking to get your first policy or simply want to shop around for a new one, be sure to contact our office serving Monroe, CT. Fida Insurance Group can get you some quotes that you can afford for policies hat can protect you.

It’s a New Year! It’s Time to Review Your Home Insurance Policy

Posted on November 17, 2016December 29, 2016 by agentinsure

Happy New Year! It’s time for making those resolutions. It’s also a great time to review some of your past accomplishments, like buying your Monroe, CT home, and ensuring it remains protected in the future. When was the last time you checked your home insurance policy? Will it still take care of you in case of sudden loss?

What Is Your Home’s Assessed Value Now?

Now is a good time to give your agent at Fida Insurance Group a call and find out how much your home is valued for on your home insurance policy. Then check your tax records. Property values have been climbing in recent years. Would your policy cover the cost of replacing the house if it was lost due to a fire? If you have owned your home for ten years of more, there’s a good chance your coverage needs updating.

Is Your Small Business At Risk?

Is the liability section of your home insurance policy sufficient to protect your other investments, such as a small business? Should somebody suffer an accident on your property, it’s important that your policy is able to take care of their medical bills and expenses without impacting the quality of your life or your business concerns. What was enough when you bought the home may no longer provide the coverage you need now.

Are You Getting All Your Discounts?

Maybe you might save a few dollars when you talk to Fida Insurance Group. If you have completed security improvements to your Monroe, CT area home or have insured other property, you may be eligible for significant savings.

Set up an appointment with us today by giving us a call. We look forward to working together in the new year.

Need Home Insurance in Monroe, CT? You Need a Trusted Agent

Posted on October 19, 2016November 19, 2016 by agentinsure

When you buy a great new home in Monroe, CT, one of the things you will need to do is protect your investment. You can do that through the right home insurance policy, and to get that policy you will want to work with a trusted agent who can provide you with plenty of information on the policy, the coverage amounts, the cost, and other factors. Getting your questions answered is important, and having an insurance agent who can answer those questions for you matters. By seeking out that agent from FIDA Insurance Group, you can have the peace of mind that comes with knowing you have the right coverage.

Whether you have a mortgage and need coverage for the lender, or you just want to make sure the investment you made in your home is protected in case of a loss or claim, the home insurance policy you have should be able to meet your needs. As those needs change, you may also need to adjust your policy so it work with the changes in your life. Those changes can come from downsizing, getting a bigger home, making improvements, or many other factors, so having an agent who can help you through all of that is the right choice.

When you work with the independent agents of FIDA Insurance Group to get coverage for your Monroe, CT home, you will have not only peace of mind but a policy that is affordable on your budget and protects you the way you need. As your needs change in the future, reach out to your agent for adjustments, suggestions, and answer to your questions. Then you can be sure that the home insurance policy you have is really the right one for you.

6 Tips to Having A Safe Move

Posted on April 28, 2016May 2, 2016 by agentinsure

It is and exciting adventure whenever you get a new place. It could be for a new job, marriage, or a number of other reasons. There is something that all movers have in common though and that is they need to get the move done safely. Below are a few tips to help you have an injury free and accident-free move.

1. Get Rid of Flammable Items Before the Move

They are simply not worth the risk of bring them along. So lose the extra fireworks from the 4^th of July and that half gallon of gas in that container or better yet pore it into your car.

2. Wear Closed Toed Shoes on Moving Day

Yes, it might be hot out and you are going to do a lot of lifting but sandals are not a good way to stay cool. A box can drop crushing your toes and ruining your day while giving a nasty out of budget medical bill to go with it.

3. Pace Yourself

It is important not to overly exert yourself. So when you plan give yourself some slack time in your schedule. Heat exhaustion and other injuries are a real threat.

4. Proper Hydration and Nourishment

It is important to take care of yourself while you are doing all that lifting and hard work. A big part of that is to drink plenty of WATER (Not Soda) and have a healthy meal before you start. If you have help it would be nice of you to provide food.

5. Use Your Legs When Lifting

Your legs are much stronger than your arms and more importantly your back. Injuring your back through unsafe lifting technics is a painful and expensive mistake.

6. Update Your Homeowners or Renters Insurance

A new home or apartment means new things you need to consider with your insurance. A great way to get this taken care of is by talking with the great insurance agents at visit them today at Fida Insurance Group and visiting them at https://www.fidainsurancegroup.com/blog

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Category: Home Insurance