Snow, Ice and Freeze Damage – Am I Covered?

Harford County Homeowners Insurance

Snow, Ice and Freeze Damage – Am I Covered?

The winter may have seemed relatively mild so far, but February and March can be tough in the Mid-Atlantic region. Downed tree limbs, power outages, roof collapses and frozen pipes are just some of the many perils caused by winter weather.

Whether or not your insurance covers the winter storm damage depends on the type of policy you have and the type of damage and what caused it.

Most standard homeowners insurance policies and commercial property insurance policies provide coverage for winter storm damage from ice, heavy snow, freezing rain or wind. You may want to review your policy to make sure you have appropriate coverage.

It’s important to note that standard homeowners insurance and commercial property insurance policies do not cover flood damage. So if you have flooding due to a heavy snow melt, damages will not be covered unless you have a separate flood insurance policy.

Also, if your home or business suffers winter storm damage while the building is unoccupied or vacant, you will have some additional issues to deal with. Some insurance policies have exclusions for property damage that result from a home or building not being properly winterized (not turning off the water and draining the pipes) or other exclusions.

Your best bet is to check your coverage, add to it if needed, and take several steps to protect your property to avoid damage from winter storms.

  • Clean your gutters and downspouts so that melting snow can flow freely away from your home. This includes clearing around the downspouts after a heavy snow.
  • Inspect and repair roof shingles and flashing to prevent water damage.
  • Trim tree branches on your property – especially branches close to the home or building.
  • Apply weather stripping and caulking around doors and windows and inspect storm doors and windows for broken glass.
  • Drain water from pipes leading to exterior faucets and remove garden hoses.
  • Insulate pipes that are susceptible to freezing such as in crawl spaces or on an exterior wall.
  • Have your heating system cleaned and inspected.
  • Turn off the water and drain the pipes if the building or home will be vacant, or keep the heat on to at least 55 degrees.

Call Dean Insurance Agency today at 410-838-3700 for a free quote and consultation on homeowners insurance, auto insurance, commercial insurance and all of your insurance needs.

Fire Safety Tips

Fire Safety Tips

It’s that time of year again, when people start using the fireplace or wood stove, or switch on space heaters. As heating season begins, the number of house fires goes up. So does the number of smoking related fires because smokers either don’t want to go outside in the cold, or are in a hurry to get back inside and don’t fully extinguish the cigarette butt before tossing it.

Fortunately, by following some fire safety tips and taking some preventative measures, you can reduce the risk of a fire in your home. And most of all, you can prevent the risk of injury or death in the event of a fire.

  • Install smoke detectors on every level of your home.
  • Test smoke alarms regularly and change the batteries if they aren’t working.
  • Keep items that can catch fire at least three feet away from anything that can get hot or has an open flame. This includes stoves, fireplaces, space heaters, candles etc.
  • Make sure the fire in the fireplace or wood stove is out before you go to bed
  • Turn off space heaters if you leave the room, or before you go to bed.
  • Never run extension cords under a rug, and avoid using them for space heaters.
  • Never leave a burning candle unattended.
  • Smoking is the number one cause of residential fire deaths in the United States. If you smoke, smoke outside, never smoke in bed, or smoke if a family member uses oxygen.
  • Use deep, sturdy ashtrays and douse cigarette and cigar butts with water before disposal.
  • Teach your children about the dangers of fire and keep lighters and matches out of reach.
  • Have a fire escape plan and a designated spot to meet outside.

In the event of a fire, get out of the home as quickly as possible and call 911. When things have calmed down a bit and everyone is safely accounted for and the fire is out, call your insurance company to let them know of the fire.

If you’re a renter, fire is one of the reasons you need to have renter’s insurance. Your landlord’s insurance covers the building, but not your belongings. For a low monthly rate, you can insure your clothing, furniture, electronics and other belongings so that you don’t lose everything in a fire.

Call Dean Insurance today at 410-838-3700 if you have any questions, or to get a free quote on homeowners insurance, auto insurance, life insurance and more. We’ve been serving Bel Air and the Harford County Community since 1973 and we’d love to help you get the insurance coverage you need.

Does My Homeowners Insurance Cover My College Student?

Harford County Homeowners Insurance

It’s that time of year again. Whether you have a brand new college student starting their freshman year, or you just helped your older college student move into their off campus apartment, you realize that Wow! They have a lot of stuff!

And they’re growing up. You can’t protect them from everything, including theft of their bike, laptop, iPhone, etc. But if those items are stolen while they’re away at college, does your homeowners insurance cover the loss?

The answer: It depends.

DORM LIVING

If your student lives in the dorms, or other on-campus housing, many of their belongings will be covered under your homeowner’s insurance policy for loss due to theft, fire or damage.

But there are some exceptions:

  • Computers may not be covered. You may want to buy additional insurance.
  • Jewelry and other high dollar items may have a specific limit. If your student’s possessions are worth more than that limit, they will need extra coverage. Or, consider leaving high dollar items at home.
  • Smartphone insurance may make more sense and be more affordable than making a claim on your homeowners insurance.

Before your college student moves onto campus, check with your insurance agent and review your policy to see what’s covered. You may want to get additional coverage. Also, many colleges send out information from companies that specialize in insuring college students’ belongings. Make sure to read the fine print.

OFF CAMPUS LIVING

For students living off campus, the rules are completely different. Your homeowner’s insurance will not cover a single item while they live off campus. They (or you) will need to purchase renter’s insurance.

Renter’s insurance is generally very affordable, and even the basic plans will likely cover most possessions. We can help you and your student select the best plan for their needs.

At Dean Insurance, we have been serving Bel Air and the Harford County Community since 1973, and we pride ourselves on offering you the best insurance protection, whether you’re at home or at college. Call Dean Insurance Agency today at 410-838-3700 to get a free quote, or to discuss your existing homeowners insurance policy.

Do I Need Pool Insurance for a Backyard Pool?

Bel Air Insurance Agent

If you have a pool, or you’re thinking about installing one, it’s a good idea to let your insurance agent or insurance company know. While nothing beats the dog days of summer like relaxing in a backyard pool, pool ownership comes with added responsibility. If the unexpected or tragic happens, do you have the insurance coverage you need to protect you? Whether it’s physical damage to the pool or your own liability, you may want to review your insurance coverage.

The Insurance Information Institute (III) recommends that you make sure your insurance company knows you have a pool, or you’re planning to install one. This goes for both inground pools and above ground pools.

Property Coverage The property portion of your homeowners insurance policy likely extends to your swimming pool; so if a tree falls on it or there is vandalism of your pool, your policy would likely pay for removal of the tree and necessary repairs, after your deductible and up to the limits in your policy. Your insurance agent can help you figure out if you should increase your coverage based on the value of your pool, along with any pool equipment such as the pool deck or water slide.

Liability Coverage You will also want to check with your insurance agency to make sure you have enough liability coverage. According to the Consumer Product Safety Commission, thousands of people go to the emergency room each year for pool-related injuries. If someone is injured while using your pool, you could potentially face major expenses (both medical and legal) as a result. Liability coverage is a standard part of your homeowner’s insurance policy, but because a pool can increase your liability risk, you may want to increase your coverage.

The typical homeowner’s insurance policy provides $100,000 in base liability coverage. The III recommends increasing your liability coverage to $300,000 or $500,000 if you have a backyard pool.

If you have a pool or are thinking about installing one, and want to review your homeowners insurance, call Dean Insurance Agency today at 410-838-3700. We’ll go over your current policy, and make recommended changes. We may also suggest you consider purchasing a Personal Umbrella Policy (PUP). A PUP provides more liability coverage than your homeowners policy – generally up to $1 million. The PUP comes into play after you have exhausted the liability insurance provided by your homeowner’s insurance policy.