When was the last time you checked the age of your roof? While it might just seem like another part of home maintenance, insurance carriers view your roof as the primary shield for your entire property. If that shield is aging, your ability to secure or maintain a policy could be at risk. Underwriters use […]
Your Roof’s Age and Your Insurance: Why the Clock is Ticking Read More »
As temperatures rise toward the end of February, melting snow and ice can create water problems for homeowners. The winter thaw may seem harmless, but it often reveals leaks, drainage issues, and other vulnerabilities that can lead to significant water damage. Basements are particularly susceptible. Melting snow can saturate the ground, increasing hydrostatic pressure around
Preventing Water Damage During Winter Thaw Read More »
There’s something timeless about gathering around a fireplace: the flicker of flames, the warmth, the coziness. But as more people get ready to light up their fireplaces this season, it’s important to understand how having a fireplace or chimney impacts your home insurance. Neglecting the details could mean trouble when you least expect it. Here’s
Fireplaces, Chimneys & Insurance: What to Know Before You Crank Up the Heat Read More »
Buying a home—whether it’s your first starter, a forever nest, or a vacation escape—is thrilling and sometimes stressful. Along with choosing price, neighborhood, layout, and that dreamy front porch view, there’s a critical but often overlooked factor: homeowners insurance. Working with an independent insurance agency, like Spencer Insurance Agency, Inc., can help ensure you’re fully
What to Look for When Buying a Home – From an Insurance Perspective Read More »
Summer is a season of relaxation, adventure, and cherished memories. However, it also brings increased risks—from hosting gatherings and traveling to engaging in recreational activities. While standard insurance policies offer essential coverage, they may not be sufficient to protect you from significant financial loss due to unforeseen events. This is where umbrella insurance steps in,
How to avoid being underinsured For many people, their home is their greatest asset, so it is critical to avoid being underinsured. To properly insure your home, it is important to ask your insurance professional four key questions. 1. Do I have enough insurance to rebuild my home? Your policy needs to cover the cost
Ensuring Your Home is Properly Covered for a Disaster Read More »
No one expects to be caught in a potentially dangerous and extreme situation such as a natural disaster. If the unthinkable does occur, having a plan and knowing what to do could make all the difference for you and your loved ones. These four tips can help you stay safe during a disaster. Staying safe
4 Tips to Help You Stay Safe During a Natural Disaster Read More »
Homeowners often wonder if their home insurance policies provide coverage for infestations of pests like bed bugs, insects, or termites. Here, we’ll clarify what types of infestations are typically covered by home insurance policies. Termites: Bed Bugs: Insects and Pests: Exceptions and Endorsements: Preventative Measures: Homeowners are generally responsible for addressing and preventing pest infestations
Does My Policy Cover Bed Bugs, Insects, or Termites? Read More »
When you add a pool to your home, the goal is most likely to bring more relaxation to your environment. But without the proper precautions, not only can accidents happen, you can set yourself back thousands of dollars or more in insurance claims. That makes proper pool safety the key to the actual enjoyment of
Seven Absolutely Essential Summer Pool Safety Tips Read More »
The milder days of spring are a perfect time to do a thorough spring cleaning and perform home maintenance. After a long winter, it is a good idea to spend time on preventive measures to help maintain your home and property throughout the year. Tasks such as cleaning out your gutters, checking for dead trees
Spring Home Maintenance Tips Read More »
