Preparing your home for the winter months can help it withstand winter elements that can be damaging to it. Here are a few of the ways you can prepare your home for the winter months.
Have Your Heater Inspected
The last thing you want is for your heater to die when it is freezing outside. Having your heater inspected ensures all of the parts are properly working, which can decrease the chances of the heater suddenly dying on you.
Get Your Roof Repaired
When the rain starts to fall, you want to ensure it stays out of your home. Having your roof repaired helps to prevent roof leaks. It is hard to repair a roof in the winter months, and roofers get busy making emergency repairs, so planning ahead and having repairs made in fall, when possible, is highly recommended.
Ensure Your Basement is Waterproof
Basements can flood if there are cracks on your exterior foundation wall or if water is drinking in towards the basement walls. A sump pump or French drain, in conjunction with using a waterproof membrane around the basement walls can help prevent this problem. Fall is a great time to ensure your basement is waterproof and there are no water issues.
In addition to preparing your home for winter in the fall, fall is a great time to review your homeowner’s insurance policy. Make sure your home is properly protected and has adequate coverage levels during this time of year. If you are shopping around for a new policy or want to change your coverage levels, give Don Allred Insurance, serving the greater Burlington, NC area, a call today or visit our website. We would love to look over your existing policy or provide you a quote on a new policy.
Buying a home in or neat Burlington, NC, is a wonderful accomplishment but if you have not considered how you will be protecting your investment, it is time to look at home insurance policies.
You may already be required to have a home insurance policy if you have a mortgage on your new home. However, if you do not have to have a policy on your home, you may want to consider it based on the benefits alone. These are some of the benefits you can enjoy when you have a home insurance policy:
- You will be protected if someone gets injured on your property. A home insurance policy has a liability component that protects you if anyone were to be injured on your property. It can protect you from being sued in this type of instance.
- Your home will be protected in case of an unfortunate event. If your home is vandalized, burnt down in a fire, or some other type of event you cannot control, your insurance policy will provide you with the funds to make the repairs. If you need a place to stay during the repairs, it will also pay for your housing.
- Your belongings will be protected. Just like your home is protected, so are all of your belongings within the home. If your home is broken into and things are stolen, your home insurance policy will pay to have them replaced. The same is true if your belongings are lost in a fire.
If you are ready to look at home insurance policies, be sure to contact our office, serving Burlington, NC, today. Don Allred Insurance can take a look at a variety of policies to find the right one and also make sure we find one that meets your budgetary needs.
For homeowners in the Burlington, NC area, choosing a home insurance policy is one of the most important decisions they’ll ever make. Fortunately, the agents at Don Allred Insurance know how crucial these policies are to your family’s safety and security. That’s why they encourage their customers to ask as many questions as possible before and after they buy a policy. These are some of the most crucial things to find out before you choose a home policy.
- How much coverage would I have? While your policy limits should be fairly obvious, it’s important to know how much coverage you have for the contents, structure and other items. In some cases, there might be separate coverage limits for detached buildings, electronics, or jewelry.
- What are my deductibles? It’s rare for a policy to just have one deductible. In fact, many people pay different amounts depending on the disaster that caused the damage. For example, hurricane deductibles are often higher than deductibles for damage caused by fire or theft.
- What types of damage is not covered? Some policies will have specific exclusions for hurricanes, floods, sinkholes, or other events. If you’re not comfortable with this, ask your agent about riders that can be added to the policy to cover these specific events.
- What items are not covered by the policy? Small electronics, jewelry, and other possessions can be excluded from coverage. It’s also possible to exclude coverage for structures on the property that aren’t attached to your house, such as a dock or shed. Again, ask your agent about a rider that would cover these exclusions.
If you live in the Burlington, NC area and you need to look into a new home owner’s policy, call the agents at Don Allred Insurance. They’ll take the time to answer your questions and find the policy that’s right for you.
A matter that should appeal to all homeowners universally, acquiring high quality home insurance should be a top priority. If you reside in the North Carolina area, please consider the following 3 reasons to acquire home insurance today.
Protection against Natural Disasters
One of the top reasons to acquire auto insurance is to protect your home from things such a natural disasters. In an area in which disasters such as tornadoes and flooding are commonplace, purchasing a quality home insurance policy is a great way to protect your home and family against such disasters.
For those who are yet unaware, if someone slips, falls, or has any other unfortunate accident on your property you may be liable for thousands or even millions of dollars. However, by purchasing a quality home insurance policy, you can ensure that your home is covered in the event that such an incident should occur.
Peace of Mind
Lastly, like most types of insurance, home insurance is customizable. You can get as much or as little coverage as you desire and you can change it over time. If nothing else, this should provide peace of mind to you as a homeowner just knowing that a credible agency will be ready to step in as needed.
Overall, if you are looking for quality home insurance in the state of North Carolina, Don Allred Insurance is an excellent option. Offering quick quotes and friendly service from a well-trained professional, you can give us a call, stop by, or email us today to find out how you can begin your home insurance policy and save!
Risk assessment indicators play a huge role in the amount that you are quoted for a homeowners insurance policy, and ultimately, how much you end up paying. But this may leave you wondering what a risk assessment indicator is and how it plays into your home insurance costs. Here are a few answers to the questions you may have.
What is a Risk Assessment Indicator?
A risk assessment indicator is how much risk the insurance company has for something happening to your house. This can be based on where you live and your risk for hurricanes, floods, fires or other natural disasters. Or it could be based on the amount of crime in your neighborhood. It can even be based on your sex and marital status. After all, single women may be more likely to have their home broken into than men.
How Does My Risk Assessment Indicator Affect My Insurance Price?
The more indicators you have, the higher your insurance policy will be. If you live in an area that is prone to flooding and high crime, you will pay more than someone who isn’t at risk for flooding and lives in a low crime neighborhood. This is because it is less-likely the insurance company will have to pay out a claim.
Can I Lower My Risk Assessment Indicators?
There are things you can do to offset some of your indicators. For example, installing a home alarm may help to lower your insurance costs. Talk with your insurance representative to find out what you can do to offset your indicators.
If you live in the Burlington, NC area, and are interested in learning more about risk assessment indicators and how they are affecting your homeowners insurance, give Don Allred Insurance a ring. We can help you look at what may be driving your home insurance up and find ways to keep it affordable for you.
When trash day comes around, don’t you wish you had a little less on your lawn? Chances are, you’ve felt guilty in the past for contributing to the world’s waste problem in the past. Whether you weren’t sure or just didn’t want to go down to recycling center in your neighborhood, these are habits that should be changed. Here’s a reminder of what you can recycle when you’re looking around your home for what to get rid of.
All Your Paper
Paper comes in many forms, and there are too many cracker boxes and books left out by the side of the road. Your paper plates and towels can either by recycled or composted as well, so don’t make this mistake after you have a party that leaves you with several days worth of leftover paper products.
Lots of Your Food
Speaking of composting, there are too many raw fruits and veggies getting thrown away. Apple stems, seeds and even most cooked plant matter will make excellent nutrients for your garden, and you can feel good that you’ve found several uses for what you’ve already bought.
Even old ratty underwear can be recycled with the technology we have today, so definitely find out if you have something in your area that will allow you to recycle fabric. For anything else in good shape, there’s always donation centers around you that would be happy to take it off your hands to help someone in need.
Your Home Is Important
That’s why Don Allred Insurance serving Burlington, NC wants you to have a homeowners policy that works for you. Call us if you need a quote or have any questions about getting the right coverage for your home to protect you and your family.
Whether you’re buying a new home or you’ve been living at the same address for decades, you likely know about homeowner’s insurance. You probably also wonder whether or not you really need it, since many people will never go on to make a claim. But even if homeowner’s insurance is not required in your state, it’s still an important part of owning a home. Here are a few reasons why.
Your Lender Requires It
Even if your state doesn’t require homeowner’s insurance, your lender often will before you can get a mortgage or refinance your existing one. This makes sure the lender’s investment is protected against loss. In many cases, a lending application can be cancelled if proper insurance cannot be secured, or the lender may purchase insurance and add it to the monthly mortgage payment. Check with your lender if you have specific questions or concerns.
It Protects Your Investment
Unlike cars, which start to depreciate in value the minute you drive them off the lot, houses generally appreciate in value. Even in rough economic times when home values can take a huge hit they will often recover given time. Homeowner’s insurance can help protect what for most people is their largest investment.
It Guards You From Loss
Homeowner’s insurance isn’t just for the lender’s peace of mind. It can cover you in the event of loss or disaster. If your home ever burns down, or you’re the victim of a burglary, or something else causes potential financial loss, homeowner’s insurance can pay to repair the damage and replace your lost possessions.
Are you a new home buyer looking for homeowner’s insurance? Are you a long time owner who is seeking a new policy and don’t know where to start looking? The agents at Don Allred Insurance can sit down with you and help you decide on a homeowner’s policy that will suit your needs. So give them a call today!
Being a house sitter in Burlington, NC is a great way to earn some extra income or to just do something nice for people you know but there are a few different tips you can follow to make sure you are asked time and again to house sit. If you are looking for a house sitter you may want to contact your local insurance agency to make sure your insurance policies are up to date, Don Allred Insurance can help.
The first tip to being a great house sitter is to leave the home the way you found it. If the floor was clean make sure you keep it that way, if things were arranged in a certain way make sure you put them back. This will reassure the homeowner that you respect their belongings and that you are concerned with making sure their home is the way they left it.
Another great tip is that if they have animals that also need care, you make sure you are taking them to the bathroom often in the case of a dog, that the cat box is cleaned out if it is a cat and so on. Pets are a huge part of any family and making sure that they are well taken care of will also let the homeowner know that you are concerned with their home and their pets.
Lastly, you can also make sure that if you use something from the home like food that it is replaced before the homeowner returns home so that you can again, show that you have respect for the home and for the homeowner. All these tips will help make you the best house sitter possible making it a wonderful opportunity to be house sitter time and again.
Contact the friendly agents at Don Allred Insurance in Burlington, NC for a home insurance review today.
Halloween is right around the corner and there are several ways you can keep your home safe in Burlington. By paying attention to the surroundings and knowing some of the potential obstacles, you can make better decisions.
Trick-or-treaters are hungry for candy, and they may not be watching where they are going. It is your responsibility to watch them. Make sure that they are walking, not running. Also advise that they lift costumes that are too long and remove their mask if it is blocking their visibility.
Provide as much light as possible on your property so that they can see where they are going. This includes lighting up your driveway, walkways, as well as your yard. Many kids are going to run across the yard and you want to make sure they can see.
Clean up as much as possible. If you have a lot of debris in your yard or toys around your front door, clean up so that there are less potential obstacles.
Pets who are normally very people-friendly can get nervous around Halloween because there are so many kids and the doorbell is ringing incessantly. This may be the time to keep your pet upstairs or in a different room to avoid problems.
It is a good idea to check your homeowner’s insurance coverage. Anyone who gets hurt on your property could potentially file a liability suit. If you don’t have liability coverage, you could be spending a fortune of your own money.
Call Don Allred Insurance today to talk to one of our agents about homeowners insurance. We can help you find the ideal coverage for your home and ensure that you are getting the best possible rate.
The summers in Burlington, NC are filled with beautiful, sunny days — the kind that are perfect for a backyard barbecue. Before you invite your friends over for some dogs, burgers, or steaks, take a few minutes to review basic grilling safety. Here are three reminders that may seem basic, but they can help you ensure your time at the grill is fun this summer, and reduce the chances that you have to file a homeowners insurance claim for a grill-related accident.
Stay Safe While Grilling
Like almost all types of cooking, grilling is generally safe. As long as you pay attention, it’s a perfectly fine (and fun) way to cook up a variety of foods. When outside, however, it’s easy to become distracted, which is why you should be extra careful to:
- avoid drinking excessively, as it will impair your judgment
- only turn on the gas when your grill’s top is open, so gas doesn’t build up inside the grill
- properly clean your grill after each use, to prevent foods that could catch fire from building up
At times, you might have to decline an additional beer or delay a conversation for a few minutes while you clean your grill. Making sure you stay safe, though, will let you invite your friends over for another barbecue later in the season.
Check Your Homeowners Insurance
Even if you take every precaution, you can’t completely eliminate a potential grilling disaster; mistakes happen and things go wrong. It’s during these times that you need homeowners insurance.
Therefore, you should also make sure your homeowners insurance would cover a grilling related claim. If you have questions about your policy, feel free to call us at Don Allred Insurance. Even if we didn’t sell it to you, one of our independent insurance agents will review it to make sure you’re completely covered. If you aren’t, they can help you find a policy that provides the protection you need.