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Home safety

Left Behind: The Pre-Vacation Property Checklist to Avoid Coming Home to a Claim

Home safety, Homeowner's Insurance /

Stepping out the door for a hard-earned vacation should bring an immediate sense of relaxation. However, leaving a home unoccupied—even for just a week—exposes the property to specific risks that can escalate from minor maintenance issues into catastrophic losses. Many common property insurance claims that occur while homeowners are away are completely preventable. Taking a […]

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Preventing Water Damage During Winter Thaw

Home safety /

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

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Fireplaces, Chimneys & Insurance: What to Know Before You Crank Up the Heat

Home safety, Homeowner's Insurance /

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

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What to Look for When Buying a Home – From an Insurance Perspective

Home safety, Homeowner's Insurance /

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

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Why Umbrella Insurance Is Essential This Summer: Protecting Your Family, Assets & Security

Home safety /

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,

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Ensuring Your Home is Properly Covered for a Disaster

Home safety, Homeowner's Insurance, umbrella, umbrella policy, Valuable items /

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

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Does My Policy Cover Bed Bugs, Insects, or Termites?

Home safety, Homeowner's Insurance /

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

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Seven Absolutely Essential Summer Pool Safety Tips

Home safety, Homeowner's Insurance, umbrella, umbrella policy, water safety /

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

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