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Posts Tagged 'Homeowners Carrier'

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Why Homeowners Insurance is Necessary

Here are three reasons why homeowners insurance is necessary.

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Homeowners Insurance - Are you covered?

A lot can change in a matter of a year, which could have an impact on your insurance needs. At the start of this new year, take some time out of your busy schedule to review your homeowners policy. It may save you some money and time should the unexpected occur. As a policyholder, you can make changes to adjust the amount of coverage you have, which may cause changes to your annual policy premium. Keep in mind, should you not have enough coverage in place, you could be responsible for any out-of-pocket costs in the event of a loss. Each homeowners policy is different, and it is important you understand your coverages, so you and your agent can select the options which work best for the needs of your family. Consider the following when reviewing your homeowners insurance policy: What is covered? Your homeowners insurance is made up of coverages which can help pay to repair or replace your belongings and your home should they be damaged by certain perils such as fire, theft or windstorm. ...

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What to Inspect When You’re Inspecting

Taking the time to do a complete inspection of your home, before and after purchasing it, is always a great idea in terms of saving money and preventing extreme damage to your home. By inspecting the house before purchase, you will know in advance what you are buying if there are any areas which may need your attention. Doing further inspection each year after purchase can be useful in order to keep track of preventative maintenance, repairs, etc. Here are some less-obvious areas to pay attention to, when conducting a home inspection: Water Heater: Look particularly at the water heating system to make sure there is no damage. If you hear any water gurgling, popping or snapping, this may mean you need to drain out sediment.  Septic System: If you are not sure, find out how old your septic system is and the last time it was pumped. Also check for any signs of surface leakage.  Roof and Flooring: Check for any damage, sinking, contamination and dampness. Be sure to take a loo ...

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Making Florida Peninsula Your Homeowners Insurance Carrier is a Sound Choice

You can count on us to provide coverages to properly secure your home while providing the peace of mind which comes from knowing our resources will be at your disposal in the event of a loss.

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Choose a Financially Stable Homeowners Insurance Carrier

  Your home is one of the biggest investments you will ever make, and choosing a licensed, financially stable homeowners' insurance company to protect your investment should be a top priority. As you consider the many options available, the company's financial rating should be a key factor in your decision-making process. Financial Stability Ratings® (FSRs) are useful when comparing insurers - the higher the rating, the greater the company's financial stability and capability to fulfill their financial obligations to you - the policyholder.  Insurance Companies must go through a comprehensive evaluation performed by an independent, objective third party such as Demotech Inc, A.M. Best, Fitch, Moody's, or Standard & Poor's, among others, in order to obtain a financial rating. Rating agencies use their own rating scale and criteria to analyze each company's balance sheet strength, operating performance, and business profile. A company's Financial Stability Ratings® (FSRs) of A or better are accepted by mort ...

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