With each coming year, the weather seems to get warmer and warmer with each coming summer season! While most Homeowner’s Insurance policies cover claims that involve extreme heat temperatures, there are situations that can be avoided all together (And keep your Homeowner’s Insurance premium low) with some simple maintenance around your home!
Common claims in the summer can range from damage from their electrical system due to a rolling blackout, or leaking pipes due to a thirsty tree’s root getting into a pipe, or a rupture due to higher pressure in water lines due to increased water usage! Using things like an updated circuit breaker and surge protectors go a long way, picking trees that are “sewer-safe” and planting them at least 10 feet away from any existing pipelines underground! But for existing problems involving trees getting into water lines and leaky pipes within walls it’s hard to fix once the problem has already started—always keep an eye on it and never allow the damage to progress, get a professional to look at it ASAP!
If you live in an area that is prone to getting summer storms you should make sure the 
drainage on and around your house is working properly! It is a horrible situation to find out during a hard rain that one of your rain gutters is clogged and is pooling water on your roof! Flood damage is also something to keep in mind as well, while you are checking the gutters to your house make sure all the pathways rain takes to run off your property work properly too!
Summer is a time to enjoy the outdoors and relaxing in the sun, and I know it’ll be much easier to relax as a homeowner when you know you have all your summer weather precautions covered!
The days are getting longer, the cold weather is getting warmer, and you’re spending more time outside—this must mean that summer is almost here! We all can use some warm sunshine and better weather these days, but with the coming of summer it comes time to look at your Homeowner’s Insurance policy to make sure you still can have a great time this summer without any worry!
If you already have a pool you’ve likely added coverage for any pool-related mishaps that might occur, but if you are building a new pool (Even an above-ground pool!) you will have to let your insurance carrier know! Swimming pools create a whole new dimension of risk for any homeowner and will always need to be covered under their homeowner’s policy to make sure you’re covered if anything goes wrong!
A home insurance policy is what you want to have when things like damage happens to your home through acts of god, fires, and theft. Each of these things are hard to swallow thinking about, but this is a necessity in the world of homeownership (And required if a house is mortgaged). These policies are renewed yearly, and price can vary depending on the coverage— and like most other insurance policies out there, you will have to pay a deductible when you make a claim!
An umbrella policy is what it sounds like. It provides an additional layer of protection to your existing auto and 
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