Homeowners insurance covers damages caused to the house and other parts of the property, depending on the provisions specified in the policy document. Anything outside the policy may not be indemnified. Commonly covered provisions include theft against personal properties and damages caused by fire and natural calamities such as lightning, wind, and hailstorms. In addition, there are other aspects of the property that are often covered by insurance.
Most homeowners insurance policies cover the house from the foundation to the roof, including the walls and permanent fixtures. In addition, many policies cover other structures that are a part of the property, such as a garage, shed, or fence.
Personal property is also often covered under homeowners insurance. This often includes items such as electronics, furniture, jewelry, musical instruments, and any other valuables. The insurance policy will cover the estimated value of these items if they are stolen or damaged.
Homeowners insurance often covers liability if a guest is injured in the home. For example, if a visitor falls down the stairs due to a faulty railing, they may find the homeowner responsible for their injuries. Liability coverage can protect the homeowner’s finances if the injured party has high medical bills or decides to sue.
Homeowners insurance helps provide peace of mind by reducing the financial burden on the owner if their house, surrounding property, or belongings are stolen or damaged. Balliet Gilmartin Insurance is an independent insurance agency that has been helping the residents of Lehighton, PA find the right coverage for their house, car, or business for over 20 years. If you’re planning to buy a house or are looking to change your current insurance policy, our dedicated agents can help you find appropriate coverage. Contact us today to request a quote.
A Pennsylvania winter can be beautiful, but can also bring with it severe, snowy weather. Residents likely know the general ins and outs of preparing a house for winter conditions, but some steps often go overlooked. Consider the following tips the next time cold weather rolls in.
Insulating the Inside of the House
Homeowners should think about indoor winter prep from the ceiling on down, updating the insulation in the attic, basement, crawl spaces, and garages. Insulating the attic can prevent heat from escaping the home and melting snow, causing potentially damaging ice build-up on the roof. Covering the pipes can help keep them from freezing, but if pipes do freeze, installing an emergency pressure release valve can protect them against bursting. Knowing how to turn the water off is also essential knowledge, as the faster that can be done when pipes freeze, the better. Flooding due to snowmelt and run-off is also a serious concern, but plastic coatings on interior basement walls and the use of sump pumps can help ward off flood damage. Back-up generators are an investment homeowners can make that will help them stay warm in the event of a power outage.
Maintaining the Outside of the Home
Though it may seem unrelated, clean gutters play an important role in winter safety. If left unattended, build-up can cause water to leak into the home. Gutter guards can help prevent debris build-up throughout the year. Trees and surrounding greenery should be carefully manicured to avoid breaks caused by snow, ice, and wind that could damage property or hurt loved ones. Homeowners should take a look at the structural integrity of stairs and handrails to ensure they will remain safe throughout winter. Caulking and installing weather stripping around areas that may allow cold air into the home is also a smart move. Having served homeowners and businesses in Carbon County for more than 20 years, Balliet Gilmartin Insurance prides itself on excellent customer service no matter the time of year. We are a full-service insurance agency whose knowledgeable staff is ready to address any questions or concerns that may arise, weather-related or otherwise. Contact us today at 570-386-8001 to learn more.
Choosing an insurance policy is a complex, long-term decision. That’s why it’s important to find an agency that can provide the best coverage possible while also offering guidance and personalized attention. Here are the four primary benefits of working with an independent insurance agency.
More Coverage Options
Since independent insurance agencies represent many different carriers, they can offer their clients a diverse range of coverage options and price points. By combining their knowledge of the complex insurance marketplace with their established relationships with carriers, independent agents do the shopping for their clients and can often find them the best options.
Independent insurance agencies can also provide their clients with personalized guidance and attention to detail. There’s no such thing as a one-size-fits-all insurance policy, and independent agents take each client’s unique needs and budget requirements into consideration when shopping for coverage. Plus, they can explain the complex terms of each policy in a simple, straightforward manner.
Independent Agents Advocate for Clients
Lawyers represent their clients in legal matters. Real estate agents help their clients when they want to buy or sell a home. And when it comes time to file a claim, change coverage, or add additional coverage, an independent insurance agent is every buyer’s best advocate. They can work with insurance companies on their clients’ behalf and navigate complicated situations so that their clients don’t have to.
Since independent insurance agents are members of their clients’ community, they are highly knowledgeable of the unique challenges of living and buying insurance in their area. They can help clients understand how local laws, insurance requirements, and regulations affect their coverage. Independent agents are often personally invested in the community and more readily available to answer insurance-related questions.
Balliet Gilmartin Insurance is an independent agency that has provided residents in Lehighton and other parts of Carbon County with insurance policies and personalized customer service since 1995. To learn more about how we can help you, contact us online or call 570-386-8001.