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Things to keep in mind with your home insurance policy

October 3rd, 2017 by carriagehouse

Most often, people purchase a homeowners insurance or renters insurance policy when they first move out and into their new home . But knowing what exactly a homeowners policy covers can seem like a daunting task for people who aren’t accustomed to insurance matters — especially if you’ve never needed to file a claim before! It is easy for homeowners to misinterpret the coverage provided by their insurance policies as well; this can often be due simply to the language and interpretation of legalese in the contract itself or the insurance agent’s explanations.

Over time, as they make renovations, purchase new items or replace existing appliances, they don’t perform home insurance reviews to ensure they are properly covered. A home insurance coverage review is a good place to begin when reviewing your current homeowner’s policy and looking to see if there is room for improvements.

Conducting a home insurance review with your agent at least once each year can help you determine if your policies still make sense for your current situation. You may be able to reduce premiums by bundling coverage, increasing your home’s safety or reducing risks that may incur increased costs during the claim process such as lapsed insurance coverage or no home inventory documentation, professionals like public adjusters in Deerfield Beach can help you understand your situation in a better way.

Additionally, if you own a boat or plan to purchase one, it’s important to consider the impact it may have on your home insurance policy. Depending on the size and value of your boat, it may be necessary to obtain additional coverage to protect your investment. Your insurance agent can guide the specific requirements and options available to you. They can also inform you about any regulations, such as the need for a Washington boat license, that may be applicable in your area. By discussing these matters with your agent during your home insurance review, you can ensure that your policy adequately addresses both your home and boat insurance needs, providing comprehensive protection for all your valuable assets.

Before you renew your home insurance policy, speak with your agent about discounts that may be available (including discounts for switching from another insurance company). Review your coverage to make sure you have adequate coverage for personal property and liability protection based on recent appraisals of the value of your property and personal possessions and recent claims against you for these types of losses in your locality or in your home state. A home inventory can provide you with a detailed record of your belongings in the event of a disaster so you can be sure you have the proper amount of insurance to protect your home and belongings from the event of fire or other hazard covered on your current policy.

First Weekend!

September 21st, 2009 by

Every Bed and Breakfast innkeeper that we ever talked to said that there favorite part of the job was making new friends and meeting new people. I have to say that this was our favorite part of our first weekend. Every guest that came through our door was so wonderful! We enjoyed meeting you and having the opportunity to serve you.

The weekend was fast paced and just like for our guests, it was over too soon. We loved every minute and can’t wait to meet our next set of guests. So to Fredricka, Charlotte, David, Irma, Ray, Susan, Monique, Tom, The Stovers, Garth and Audrey…thank you! We were honored to meet you and were flattered that you chose our bed and breakfast.

I have a Peaceful, Easy Feeling

September 28th, 2009 by

One of the things that attracted us to Jefferson was all of the things to do in the area. There is always something going on here in town. I mean…always! This weekend was no different.

Tom had been bugging me all weekend to go to the Caddo Lake Ramsar Wetland Center Grand Opening that was going to held on Saturday. Of course when you have a house full of guests you don’t get to go out and play on the weekends, so I got to be the bad guy and say no.

Friday night Belinda and Renee from the North East Texas Film Commission checked in. Look honey, new friends! We had a lot of fun talking with both ladies and learning more about the work that the film commission does. These two ladies work very closely with the Texas Film Commission and different production companies to promote our area. Frankly, I believe that we have so much to offer. If you are looking for southern antebellum mansions, we got ’em. If you need a scary atmosphere for a horror movie, we have it. If you need dark piney woods, fall color, or spring time flowers, we have it. It is these ladies job, to bring all of this to the attention of anyone who may be considering filming in this area.

Belinda and Renee were in town to observe the final days of shooting of Boggy Creek. They convinced us to go with them to the grand opening of the new Wetlands. This new wildlife refuge used to be the Longhorn Army Ammunition Plant and was decommissioned in the late 1980s and became a Superfund site (think environmentally contaminated). Many people fought to clean up this area and keep it out of the hands of the developers. One of the people that lent his name to the project was Don Henley. He is originally from this area and is fighting to keep this land pure and pristine. Apparently there were plans to turn this site into another industrial park. Don’t we already have enough empty industrial parks?

Tom and I got the chance to meet Don Henley. We stood there like groupies stumbling over our words. Mr Henley was very gracious in talking to anybody who came up to him and signing autographs.

At the same time that this was going on, the first annual Fire Brigade Car Show. People from all over the area brought their classic cars to show. I am not an antique car buff, but even I could appreciate the beauty of these vehicles. If you have a love for cars, then you will definitely want to make plans for next year’s show.

If you are a garage sale fiend, then you definitely want to come to Jefferson next weekend. Next Saturday is the City Wide Rummage Sale. I know that I will have a ton of stuff that I will be selling. So come on down. There will be a lot of great finds!
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