Home Insurance

Preventing Wildfires

Posted on by Shield Insurance Agency

Preventing Wildfires and Staying Safe from the Risk

According to the National Interagency Fire Center, 63,546 human-caused wildfires burned nearly 5 million acres in 2017. To put this into perspective, consider the size of New York City. At 92,781 acres, New York City could have burned 54 times over with that amount of acreage!

That’s 5 million acres that didn’t have to burn if the ‘you’ part of the wildfire equation had followed proper burning protocol.

Warm weather increases the wildfire threat to many parts of the country. That warmth and dryness entice many people to clean up their yards and burn the debris. If not properly controlled, these fires will grow to become uncontrollable. Fortunately, most human-caused fires are preventable when proper precautions are taken. Here are just a few things you can do to avoid starting a wildfire:

Staying Safe from the Risk

  • Follow the law. The community you live in may have burning regulations, like requiring permits, restrictions on the times and places for open burning, and restrictions on the items that can be burned. Check with your local officials before burning anything.
  • Watch the weather. Don’t attempt to burn on windy days or during periods of drought. Check with your local fire official to make sure the weather conditions are safe for burning.
  • Choose the right site. The burn site should be surrounded by gravel or dirt for at least ten feet in all directions and kept wet to prevent the fire from spreading.
  • Never leave a fire unattended. Sparks could blow into leaves or grass and spread quickly.
  • Keep water nearby. Keep a garden hose or bucket of water close to help control the fire in an emergency.
  • Extinguish the fire properly. Use water to extinguish the fire completely by dousing the site and stirring until everything is drowned and not emitting any heat whatsoever. Any remaining coals should also be scooped up with a shovel and dunked into cold water. When you are done, everything in the fire pit should be cold to the touch.
  • Consider alternatives to burning. Yard waste can be made into mulch or composted, while newspapers and many other items can be recycled.

Every year, many families lose their homes and possessions to wildfires caused by humans. Don’t be a part of the statistics. Show your commitment to wildfire prevention, because your safety is number one to us!

To help educate your children on preventing wildfires, check out Smokey the Bear, he’s a pretty smart fellow.

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4 Tips to Help You Stay Ahead of Smartphone Hackers

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Shield Insurance Blog | Smartphone Hackers | Start A Quote Today!

Did you know that Americans check their phone on average 80 times a day? Surprising, right? Unfortunately, the amount of times that our phones can be compromised is surprisingly high as well.  And because mobile phones are so valuable to hackers, more and more new exploits are being discovered.

To help you stay ahead of smartphone hackers, we’ve combined the most frequent dangers and tips on what to do to help protect yourself.

What smartphone hackers value

  • The device itself: Your data can be wiped, the device reset, resold and reactivated. Thieves have gotten better at taking phones apart and reassembling them into new phones to sell.
  • Your data: Your phone is likely linked to your email, financial accounts and other personal records. Armed with your smartphone, a hacker could access your banking  by resetting your email password or receiving a secure pin via text.

Lost or stolen phones: What to do before and after

  • Track your phone with an app. The best ones track to within feet of where the phone is located. If your phone has been stolen, report its location to the police.
  • Secure your phone with a password, swipe code or passphrase. Set the security settings to wipe the data on the phone after a certain number of password tries.
  • If you lose your phone or it is stolen, notify your carrier right away and wipe the data if you are sure you cannot retrieve the phone.

Social engineering

Hackers are using social engineering to persuade mobile carrier customer service to fraudulently transfer phone numbers without your permission. Once they transfer your number to their device, they have password resetting capability for your email, banking, and other accounts.

To help lower the chances of this happening to you:

  • Place a “do not port” alert on your account.
  • Use a pin for your account and require it for all changes.
  • If you receive a text or call from your mobile provider saying that someone is attempting to port your number, call them immediately. Do not respond directly to the message, as that may be a separate scam.

Phishing And Viruses

Texts and emails created by hackers can contain deceptive links or attachments that could infect your phone with malware. The malware can then steal your personal and financial information.

Here are some recommendations to help protect your phone:

  • Do not accept text messages from numbers you do not recognize. Block them. If you are not already on the National Do Not Call Registry, sign up – it’s free and just takes two clicks.
  • Don’t click on links in texts, especially those that look suspicious, and don’t download files from emails unless you are already expecting something from someone you trust. If it’s financial, give the person a call, just to confirm it actually came from them.
  • Just as you have virus and malware protection for your home PC or laptop, it’s time to invest in smartphone protection. There are many competitive products priced at around $50 a year.
  • Don’t plug into any unknown charging stations or devices. Bring a wall charger or power bank with you.
  • Keep your operating system up to date. Operating system updates are usually issued in response to major security exploits. Because these updates are known to have weaknesses, you should review your product’s website to determine why the update has been issued and when to install it.

Mobile phones and your data on them can be compromised in a multitude of ways. Although keeping a step ahead of hackers is tough, educating yourself is critical.

For information only. Not applicable to all situations. The original version of this article written by Monique Ferraro, Counsel Cyber Practice at Hartford Steam Boiler, can be found on their blog.

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How To Treat These 3 Cyber Tricks

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Shield Insurance Blog | Cyber Tricks | Contact our office today!

It’s All A Scam! 3 Cyber Tricks

Halloween is a few short days away, and under the cover of the dark web, cybercriminals are refining their sinister methods. And they’re only getting more sneaky and destructive.

Here are three of their most common tricks and how you can avoid getting fooled.

1)  You get a dreadful call that your computer is infected

You receive a call from someone disguised as a technician who claims your computer has a virus, and for $300 they can fix your problem by accessing your machine.

You provide your payment information and login credentials, and it appears that the tech is “fixing” your computer. In fact, they are either doing absolutely nothing or downloading malware to transmit your personal and financial information. Scary, right?

How do you prevent this menacing scam?

  • Document the phone number of the caller and their name
  • Hang up
  • Block their number from calling again
  • Submit your number to the National Do Not Call Registry
  • Report the matter to the (IC3), which collects and follows up on this information

No reputable computer security company or software firm calls to inform anyone that they have a computer virus. Normally, your firewall will prompt a message prior to accessing a bad file or site, and your anti-virus software will scan and fix your files automatically.

2) You receive a shocking email

An email pops into your inbox with a subject line that says, “Your payment of $4,890 to PayPal has been approved,” or, “I am NOT paying this invoice.”

You can’t resist the urge to open it; it might seem like you’re on the hook for a lot of money or being accused of something you didn’t do.

Emails with subject lines like these are remarkably successful in luring their victims into opening them. The real danger lies in the links. Clicking on these could open the door to malicious software, with ransomware being the usual suspect.

How to prevent this sinister scam of cyber tricks?

  • Beware of signs that an email is malicious or fraudulent
  • Delete the email
  • If this happens at work, alert the appropriate person or department, so other employees can be warned and protected

3) You are tricked into transferring funds by an imposter

A Business Email Compromise (BEC) scam usually starts off with an email that makes a pressing demand. It appears to come from an executive or trusted vendor who is unavailable to confirm the demand.

The sender demands that you transfer funds immediately to facilitate a deal or to pay an invoice. The receiver may be deceived by the sender’s inside information, such as details of a pending deal or specific relationship.

How to prevent this nefarious scam?

  • Watch for emails that demand you make a funds transfer, change vendor information, or supply personal or financial information
  • Before taking action, confirm the request verbally, either by phone call to a known number or in person
  • Alert the appropriate internal contact so that preventive actions can be taken, such as blocking the scammers and raising co-workers’ awareness
  • Report the attempt to the IC3 on their website.
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10 Safety Tips To Follow During Halloween

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Shield Insurance Blog | Safety Tips | Start A Quote Today!

The apples have been bobbed, the pumpkins are carved, the cobwebs are hung, and the spooky movie marathon has been viewed, leading up to one of the most anticipated nights of the year for both kids and adults: Halloween.

But some Halloween statistics can be pretty frightening. According to SafeKids.org, only 1/3 of parents talk to their little goblins about Halloween, yet 3/4 of parents report having safety concerns. American Modern® has collected a trove of tips to keep kids of all ages safe this Halloween season.

1. Before you leave the house to go haunting, check your smoke detectors. 

With all of the neighborhood jack-o-lanterns aglow, and the occasional backyard fire-pits on Halloween night, it’s a good idea to double-check that your smoke detectors are fully functioning.

2. Wear comfortable Halloween costumes that glow in the dark. 

Whether it’s a Ninja or Cinderella, fastening reflective tape onto costumes is an inexpensive and easy way to increase visibility during the night. It’s also great to put this same tape on trick-or-treat bags while you’re at it. Other handy items to carry include flashlights or glow sticks. The safest costumes are bright and reflective so you and your little ones will be more visible.

3. Make-up matters. 

Picking non-toxic make-up is important for you and your child’s safety. It’s always wise to do a small skin test in advance to ensure there is no irritation or allergic reactions. Put a small amount on the arm of the person who will be wearing it. If a rash, redness, swelling, or other signs of irritation develop where the makeup was applied, that’s a sign of a possible allergy. Additionally, you can quickly check the FDA’s list of color additives to see if the colors are FDA approved. If they aren’t approved for their intended use, don’t use them. That list can be checked here: https://www.fda.gov/forindustry/coloradditives/coloradditiveinventories/ucm115641.htm

4. Flame-fighting halloween costumes. 

You never know if you’ll end up fireside making S’mores and telling ghost stories on Halloween. So, always make sure costumes say “flame resistant” on the label. Believe it or not, some clothing products are not flame resistant and sometimes will even have a “keep away from flames” warning. If you make your costume, flame-resistant fabrics such as polyester or nylon are a safer choice.

5. Choose your “weapons” wisely. 

It’s important to make sure any props or weapons that really sell the costume are soft and flexible, such as a cardboard sword. It’s easy for children to get excited about their character. So while they are flexing their imagination, make sure their props are safe and not harmful to others. It goes without saying, but be sure to keep these props (and your children) away from any candles or open fires.

6. Commit to the costume, but scrap the decorative or colored contact lenses. 

The FDA and several eye care professional groups, including the American Academy of Ophthalmology, and the American Association for Pediatric Ophthalmology and Strabismus, are discouraging the use of decorative or colored contact lenses this year. If bought and used without a valid prescription, or without the involvement of an eye care professional, or without appropriate follow-up care, the lenses can lead to significant risks of eye injuries, including blindness.

7. Handle candy with care. 

First, you want to pick a safe bag, tote, or plastic food container to collect treats in. Up-cycling containers at home can be creative and environmentally friendly, but be sure what you are using did not previously contain any harmful toxins, household cleaning items, or any other possibly poisonous material. Also, both kids and adults should not eat candy until it has been inspected at home. No nibbling along the way! Avoid any candy that is homemade or looks like the packaging has been tampered with.

8. Street safety. 

Children should always be properly supervised outdoors by parents. It’s best for children to travel in groups with several parents and stay on the sidewalk, even if the street seems quiet in terms of traffic. Remind your child of the basics: looking both ways before crossing (at corners with crosswalks only), having a buddy to hold hands with while crossing the street, and not talking to strangers. It’s also smart to make sure your child has their phone number and address either memorized or in a safe place.

9. No lights, no treats. 

Houses that do not look like they are celebrating or participating in Halloween should be skipped.

10. In case of tricks, act fast. 

While the origins are mysterious, egging is a popular, but dreaded Halloween trick. Did you know that if a smashed egg is left too long on your house or car it could damage the paint? Quickly clean any egg residue off to avoid damage to painted surfaces. In addition, look out for others around you and notify your neighbors of any mischief-makers in order to keep your neighborhood safe.

As you and your little ones canvass the neighborhood for this year’s candy haul, crunching leaves beneath your feet, American Modern hopes these helpful tips and tricks will make this year’s Halloween safe and sweet.

*If you have any questions or someone you know has been exposed to a potentially harmful substance, you can call the American Association of Poison Control Centers immediately at (800) 222-1222. They are available to assist you 24 hours a day. In case of an emergency, call 911 immediately.
From all of us at Shield Agency, we wish you, and your family a safe and fun Halloween!

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Say goodbye to mold forever with these genius mold prevention hacks!

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Shield Insurance Blog | Mold Prevention | Start A Quote Today!

What Causes Mold?

When excessive moisture accumulates in buildings or on building materials, mold growth will often occur, particularly if the moisture problem remains undiscovered or unaddressed.

Mold Prevention

  • The key to mold control is moisture control.
  • Fix leaks and seepage as soon as you notice the issue.
  • Put a plastic cover over dirt in crawl spaces to prevent moisture from coming in from the ground.
  • Use exhaust fans in bathrooms and kitchens to remove moisture to the outside.
  • Vent your clothes dryer to the outside.
  • Turn off certain appliances (such as humidifiers or kerosene heaters) if you notice moisture on windows and other surfaces.
  • Use dehumidifiers and air conditioners, especially in hot, humid climates, to reduce moisture in the air.
  • Raise the temperature of cold surfaces where moisture condenses.
  • Use insulation or storm windows.
  • Increase air circulation by using fans and by moving furniture from wall corners to promote air and heat circulation and keep doors open between rooms.
  • Carpet on concrete floors can absorb moisture and serve as a place for biological pollutants to grow – use area rugs which can be taken up and washed often.
  • Dry water-damaged areas and items within 24-48 hours to prevent mold growth.

Dealing with Mold

  • Get rid of the excess water or moisture.
  • Fix leaky plumbing or other sources of water.
  • Absorbent materials (such as ceiling tiles & carpet) that become moldy may have to be replaced.
  • Contact a mold remediation specialist.
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Preventing Frozen Pipes

Posted on by Shield Insurance Agency

What Causes Frozen Pipes?

The water inside pipes can freeze when outdoor temperatures drop below freezing. As freezing water expands, it causes the pressure inside the pipes to increase, possibly leading to bursting pipes.

Preventing Frozen Pipes

  • Insulate pipes, especially those close to outside walls, attics or crawl spaces where the chance of freezing is greatest.
  • Seal air leaks surrounding or near pipes.
  • Keep garage doors closed if there are water supply lines in the garage.
  • Disconnect all outdoor hoses and turn off water to exterior faucets and sprinkler systems.
  • Open kitchen and bathroom cabinet doors to allow warmer air to circulate around the plumbing.
  • Keep heat at 55 degrees F. or higher even when you are out of town.
  • During a cold spell turn on both hot and cold faucets near outside walls to allow a small trickle of water to run during the night.
  • If you need to be away from home, leave the heat on and drain your water system before you go.
  • Identify the locations of shutoff valves so that you are prepared to stop the flow of water as soon as possible when a pipe bursts.

What to Do When Pipes Freeze or Burst

  • Open all faucets.
  • Remove insulation and wrap pipes in rags.
  • If all else fails, call your plumber.

If pipes burst:

  • Shut off the water immediately to prevent additional damage.
  • Take proper precautions to avoid an electrical shock from being in or near standing water.
  • Take an inventory of any damaged property or possessions.
  • Contact your local claims office to help you locate a vendor specializing in emergency water mitigation services that can properly dry out the damaged area.
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In case of emergency: How to prepare your phone

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Shield Insurance Blog | prepare your phone | Start a Quote Today!

Today, our phones are rarely outside of our reach. This makes them one of the best tools we have for quickly responding to an emergency situation and increasing the chances of a more positive outcome.

How prepared is your phone to handle an emergency?

In most emergency situations, you would be the one to contact someone for help. So, it’s important to take a few minutes to research and save important emergency contact numbers on your phone so you can make the call immediately and get help faster.

Here are the main emergency phone numbers to save on your phone:

  • Your emergency contact, such as a parent, spouse or close friend
  • Police, 911 in the United States for emergencies
  • Poison Control Center
  • State Highway Patrol
  • Your nearest police and fire department (for non-emergencies)

You should also consider saving these important numbers in your phone to help you in an emergency:

  • Your doctor, pediatrician and/or veterinarian
  • Your pharmacy
  • Home health aides
  • Your insurance company
  • Your roadside assistance provider
  • Your employer
  • Your child’s school or caregiver
  • A nearby relative or friend
  • An out-of-town relative or friend

There are also some emergency situations, like a bad fall or car accident, where you might not be able to communicate with first responders. For this reason, it’s important to take these two steps:

  1. Add an emergency contact in your phone, such as a parent, spouse or close friend who can come to your aid.
  2. If your phone locks, set up a lock screen message to communicate helpful information to first responders, like your emergency contact, blood type, allergies and medications.

Depending on the type of phone you’re using, there are different ways to add a lock screen message.

iPhone users can use the Health app on their phones to add their basic personal information, important medical details, and emergency contact numbers within the Medical ID tab and make them accessible from their lock screen. Just make sure you select “Show When Locked” and test it out after you’ve finished setting it up.

Android users can set up their lock screen message by going into their Settings, Users & Accounts, and then Emergency Information. Enter your medical information and emergency contact. Then test it out by locking your phone, swiping up, and tapping “Emergency” to find the information you entered.

Additionally, Android lets you put any message you want on your locked screen. To do this, open your Settings, go to Security & Location, and next to the Screen Lock tab hit Settings. Then, tap Lock Screen Message. Here, you can enter your primary emergency contact or important medication information so that it always displays on your locked phone screen.

Because it’s difficult to predict when or where an emergency will happen, it is a smart idea to update your phone now so that you’re prepared to handle any situation that comes your way in the future. Be safe out there!

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5 Common (and Potentially Costly) Homeowners Mistakes

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5 Common (and Potentially Costly) Homeowners Mistakes

Owning a home is usually a great experience. But it can also be a hassle, especially when unexpected issues pop up—whether you have a minor breakdown or a major catastrophe, it’s almost certainly going to require time and money to fix.

In many instances, however, those “unexpected” issues shouldn’t really be a surprise at all, because they’re often caused by a lack of maintenance or other oversights by homeowners. And not just new homeowners, either: It’s common for people who have been in a home for years to neglect even some of the most basic tasks that can prevent problems down the road.

Here are five mistakes we often see homeowners make—and tips from experts to help you avoid them.

Forgetting about (or ignoring) the small stuff. 

The toilet that runs constantly? That faucet with a slow drip? The little crack in that one board on the deck? They might not seem like big problems, but they can turn into bigger issues over time. For example, a leaky faucet or running toilet might mean your water bill is higher than it should be. And that small crack can lead to rot, which could lead to having to replace the board—or the entire deck. When you see “small” things around the house, take steps to address them as soon as you can, because it likely will be a lot easier (and cheaper) today or tomorrow than a year from now.

Not doing regular checks around the house. 

Speaking of seeing things around the house, how often do you look around the house? You’d be surprised how many homeowners haven’t been in their attic or crawlspace for years. It’s a good idea to do a walk-through periodically to look for issues such as leaks, areas of wear, or other problems. And don’t forget to go outside! How is your roof looking? Do you see any cracks in your siding? Are the seals around your doors and windows solid? It’s important to catch those things before the rainy season begins in fall and winter.

Skipping maintenance on your appliances. 

Not only will keeping your appliances in good shape ensure they work effectively and prolong their lifespan, maintenance also can prevent serious risks. For example, when was the last time you cleaned out your dryer exhaust vent? No, not the screen you pull out when you’re doing laundry, but the one on the back or side. Too much lint buildup there can cause a fire—so clean it out at least once a year. You also should check the hoses connected to your washing machine and dishwasher. Are they worn? Do they need to be replaced? Do it now, before one fails when you’re not at home and causes significant water damage.

Other tips:

  • Clean your refrigerator coils at least once a year.
  • Clear out your dishwasher’s food filter regularly.
  • Vacuum up dust and other debris in window air conditioners before you start using them each year.
  • Remember to test your smoke and carbon-monoxide detectors twice a year, installing fresh batteries each time.

Neglecting other systems. 

Your HVAC system needs attention so it won’t fail when you need it most. Having your furnace, heat pump and/or central AC unit serviced each year before you start using them heavily will alert you to any potential problems. You don’t want to find out that your furnace is out of whack when it’s 30 degrees outside, or that your AC is on the fritz when it’s 95. Change filters at the appropriate intervals, and if it’s been a while since you’ve had your ducts cleaned, consider that as well.

Not having a home warranty. 

Despite your best maintenance efforts, that air conditioner might break down, leaving you sweltering in the summer. The water heater could stop working, meaning cold showers every morning. Or the refrigerator suddenly won’t get very cold anymore. These things sometimes just happen, and if your appliance is out of warranty, you’re on the hook. Consider discussing coverages available under the American Home Shield® Home Warranty product, available through Safeco. This product covers breakdowns of appliances and systems, potentially saving you hundreds or even thousands of dollars on repairs or replacements. Learn more here.

Your home is one of the biggest investments you’ll ever make, so it pays to be diligent about caring for it. Keep your eyes open around the house. Don’t hesitate to get out the tools, or call a professional if needed. Remember, prevention is the best medicine—and that old saying holds true just as much for your home’s health as it does for yours.

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Home Security Technology: Keeping You Ahead of the Burglars

Posted on by Shield Insurance Agency

Back in the early days of home security “systems,” around the end of World War I, it was common for homeowners to hire “door shakers”—night watchmen who would literally walk around and check doors to make sure they were locked. The most advanced product at the time, according to the Electronic Security Association, was an alarm system that used electromagnetic contacts on doors and windows and rang a bell if disturbed.

Things are just a little bit different now, thanks to expanding technology and decreasing costs. Regular homeowners now have access to the types of tools and systems that were previously attainable only by celebrities and the wealthy.

It’s especially important to be thinking about security with the increase of online shopping. More packages are being delivered on a regular basis and porch pirates can easily swoop in and snatch your new items.

If you’re into tech, you might even find that getting set up is fun. And if you’re into saving money, many companies offer insurance discounts for having specific home-monitoring systems, so check your policy or ask an agent for details.

Here’s a rundown of some of the options you have to protect your home, from all-in-one systems to separate components for do-it-yourselfers.

Full-service systems

There are a number of companies that offer full-service security systems with central monitoring—and the list is growing, with cable and wireless companies (Xfinity, AT&T, etc.) getting into the mix more prominently along with familiar names such as ADT and Brinks. These systems can feature video surveillance, remote access, smoke and carbon monoxide detection, even medical alerts in case you have an emergency. Many now offer home-automation tools so you can control lighting, heating, cooling, and other appliances when you’re away from home.

Most systems also can be configured to send you alerts via text message—so you know when the kids have gotten home from school safely, for example.

Full security systems such as these often have installation costs, along with equipment fees and monthly bills, of course. But if you don’t feel tech-savvy enough to install your own system, you don’t want to deal with the hassle, or you want something with central monitoring, a full system might be right for you.

Do-it-yourself options

If you’d rather set up your own system, many companies offer starter packs with a few components to get you going, allowing you to add what you need and exclude what you don’t. Some provide security features without much in the way of home automation, while others can serve as the hub for a connected home—it’s up to you.

You can create your own custom security system through the use of individual products, too, although you’ll want to ensure everything works together. Here are some of the options on that front:

Smart cameras and sensors

Installing cameras used to mean dealing with bulky equipment and yards of wiring. Today, cameras are unobtrusive, wireless, and capable of much more than previous models. Many are combined with floodlights or doorbells and use motion activation, saving data-storage space and battery power by recording only when there’s a reason to record. Some can send live feeds to you remotely when motion is detected, too. One startup even has motion sensors that don’t use infrared light—instead, they look for disturbances in the wireless signals that bounce around throughout your home.

Keyless entry systems

Even items as basic as the locks on your doors have undergone revolutionary changes. You might not think you need an entry system that relies on a code or a smartphone, but they can come in very handy at times. Say, for example, you need to let a trusted repairman into your home while you’re away, but you don’t want to risk hiding a key outside. With a keyless system (or a hybrid version that uses both keys and codes), you simply provide a temporary code for the repairman to use.

Home automation

Have you ever forgotten to leave a light on while you’re away? Burglars thrive in the dark, and lights both inside and outside your home, along with noise from TVs, radios, etc., can be powerful deterrents. Thankfully, you can have more control than ever—from anywhere in the world. And just like some professionally installed systems or do-it-yourself starter packages, many individual components tie in home-automation features as well.

Of course, there are still some classic tools and techniques you can use to deter crime, no matter how tech-savvy you are: Don’t broadcast on social media when you’re going to be on vacation or away for the night. Keep valuables out of plain sight. Make sure your windows and doors are locked. And don’t forget the security system that will love you back—a watchdog!

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Vacant Home Insurance: What to Ask About

Posted on by Shield Insurance Agency

Homes become vacant for many reasons. Maybe your home is for sale but you haven’t found a buyer yet. Or you’ve purchased a new home but won’t move in for a while. It could be a rental property that’s between tenants. Whatever the cause, there are some insurance risks that you should keep in mind.

You may be thinking, why get vacant home insurance when you already have regular homeowners insurance? Well, most homeowner’s policies exclude or limit coverage if the home is vacant, so you’ll need more specific coverage.

Insurance coverage is extremely important for a vacant home because there are lots of dangers that threaten vacant homes in particular. If you’re debating whether or not you need a vacant policy, talk to your insurance agent! Here are some things to ask about:

Cost

Vacant home insurance typically costs more than regular homeowners insurance due to potential risks like weather threats, fires, and vandalism. However, you may be able to get a discount by installing security systems around the house. Even if your insurance company doesn’t provide a discount for extra security, it’s a good idea that will make your home safer!

Coverage

Each vacant home insurance policy is different. Many cover damage caused by fires, lightning, wind storms, hail, vandalism, and theft. Check with your insurance company to see what options you have. (Remember to ask if flood damage coverage is an option!) There are also different time lengths for policies. Many are 12 months long, but they could go up to four years, so find out what will work best for you. You’ll also want to consider Liability coverage, which applies if anyone is hurt on your property and you’re found legally responsible.

Restrictions

Many insurance companies have different definitions of what is vacant and what is unoccupied. Additionally, there may be a specific time length distinction for the type of coverage. Restrictions can also be based on the age or value of the home. Discuss these variables with your insurance agent to find the coverage that works best for you!

Still not sure if vacant home insurance is for you? Contact your local agent to learn more and get a quote! Overall, don’t be afraid to ask questions about insurance. Let us know if you have any questions in the comments.

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