Category : Blog

Misconceptions about Homeowners Insurance Coverage

Courtesy of U.S. Army Corps of Engineers

Courtesy of U.S. Army Corps of Engineers

There are a lot of things that aren’t covered on a standard homeowners insurance policy, and it can be easy to overlook these coverage gaps or assume they’re included in your policy. Before shopping around for homeowners insurance, or even right before you’re about to sign the policy agreement, make sure you know exactly what’s included in your policy and what separate coverage you may need in your particular area of residence. These are some of the most commons gaps in coverage with a homeowner insurance policy:

Natural Disasters

Most natural disaster—floods, earthquakes and hurricanes to name a few—are not included in your standard homeowners insurance policy. If you live in an area prone to any of these “Acts of God, ” you can look into adding a separate policy to cover potential damages.

War

Damages accrued from acts of war, whether from a nuclear, biological or civil war, are generally not covered. Terrorist attacks are included in some states, but they are not necessarily guaranteed to be included in your policy. But, if you were interested, there is such a thing as War Risk Insurance, but it’s more commonly used for companies and industries with equipment that could be damaged by acts of war.

Jewelry/Cash/Collectibles

If you have any expensive jewelry or rare collectible items that were damaged or stolen, don’t assume you’ll get the total value of the items reimbursed. Most policies have a price cap on items such as these, sometimes only covering $1,000-1,500. Even if a certain amount of cash is damaged or stolen, there is no guarantee the full amount will be covered.

Mold/Termites

Termites are incredibly destructive. They eat wood and damage the structural integrity of your home and cause thousands of dollars in damage. And a majority of the time this damage is not covered by a homeowners insurance policy at all, as it’s considered neglect on behalf of the owner for not conducting proper maintenance and inspections of the property to prevent the damage. The same goes for mold.

Welcome Home Tuesday | Bridal Shock

Welcome Home Tuesday

Most every girl dreams of being a June bride. Statistically it is the most popular month for weddings in the United States. For this weeks Welcome Home Tuesday video, we are celebrating all June weddings by posting this touching video of a soldier who is given the last minute chance to be at his sister’s wedding. Watch to see the brides shocked reaction.

http://youtu.be/I0J1Owl9laE

We help get rid of closing costs. We serve Veterans and Military Families who are interested in buying a home. Contact us for more info!

Keeping Kids Busy for the Summer

summer-kids

Courtesy of Ryan Hyde

 

Summer is meant to be a time for fun and excitement for kids. They’re out of school for a couple months, the pools are open and the possibilities seem endless. It’s important kids get a break from school, but the right combination of physical activity, mental stimulation and diet can keep them from falling behind when classes pick up again in the fall. We’ve aggregated a few resources to keep your kids happy, healthy and occupied during their break.

One of the biggest obstacles to overcome for kids during the summer is boredom. Luckily there are plenty of cool, creative, cost effective activities you can do with your kids, most of them in your own home. More importantly, find things for your child to do that keep them mentally fit. Get them to become as familiar with the local library as they are the nearest park.

Children of different age groups obviously crave different activities, specifically teenagers.

Having a diverse list of activities is great, but how are you fueling your kids to have the energy to keep up with everything? There is a variety of healthy snacks that keep kids happy, and the food both you and your children eat can help you stay cool and hydrated.

An environment where children can engage in activities, build personal relationships and learn is crucial to a fun, productive summer. However, don’t feel overwhelmed by trying to fill every hour of every day. Downtime is also important, and having your child explore a hobby or interest on their own allows them to gain experience with independence. And remember to take time for yourself each day, even if it’s just a few minutes enjoying a glass of lemonade or reading a good book.

Welcome Home Tuesday | Soccer Surprise!

Welcome Home Tuesday

This weeks welcome home Tuesday video is in honor of the World Cup Tournament and the crazy fans of soccer, like myself. Watch this soldier surprise his girlfriend at her West Point soccer match. She looks surprised to see him for sure; however, the surprises just keep unfolding on center field. Watch and see for yourselves.

We help get rid of closing costs. We serve Veterans and Military Families who are interested in buying a home. Contact us for more info!

 

Must Have Apps for Home Improvement

homeimprovement

Courtesy Crown Molding

Becoming a homeowner means taking on a lot of new responsibilities. It can include simple things, like remembering to pull weeds in the front yard, to more laborious tasks such as maintaining the furnace and renovating kitchen counters and cabinets. But, per usual, there’s an app for that. Whether it’s finding the right person for the job or learning how to complete a project yourself, here are a few must-have apps for homeowners to have when tackling any home improvement project.

FriendTrusted (free)

FriendTrusted helps you find a trusted, reliable contractor to tackle your desired home improvement project. After description, photographing or shooting video of the project you need done, FriendTrusted will provide price estimates and recommended contractors. The best part? There’s no need to call and schedule an appointment or contact the contractor—booking and scheduling are all done within the app. This app is available for Android, iOS and Windows devices.

Handy Man DIY ($1.99)

Starting a home improvement project on your own has never been easier with Handy Man DIY. This app allows homeowners to store project information, such as dimensions measurements, provides cost estimates and shopping lists for specific projects and includes project instructions and video tutorials. It’s a one-stop app for anyone launching a do-it-yourself home improvement project. This application is available for iOS devices.

BrightNest (free)

Along with helpful tips and ideas, BrightNest gives homeowners the ability to organize all their home management responsibilities. From outdoor maintenance to cleaning the kitchen, this app helps you manage every project that comes with owning a home. Customize reminders, tips and projects based on what features you have at your home, such as a pool, water heater or whether or not you have children or pets. This app is available for iOS devices.

We help get rid of closing costs. We serve Veterans and Military Families who are buying homes. Contact us for more info!