Category Archives: Homeowner’s Insurance

11 Details that you may need for a homeowners insurance quote

Homeowner's Insurance No Comments

Getting a homeowners quote can only take a few minutes when you have all of your information at hand. Knowing the details of your house, including what kind of safety features you have installed, may help you qualify for money-saving discounts and help ensure that you choose the coverage that meets your needs.

There can be more questions involved in getting a homeowners quote than a car insurance quote, so it can be helpful to gather your paperwork and be ready to answer specific questions about your home in advance. Here’s a checklist to help you get started.

1. Who lives at your house?

You may be asked for contact information about you and anyone else who lives at your house, how long you’ve lived there, your marital status, whether you run a business from the home and whether you own a dog or any pets.

2. What’s your insurance history?

It’s good to be ready with details about your existing coverage, if your home is already covered by homeowners insurance. Do you have a mortgage on the home? Are there any prior insurance claims? How much would it cost you to rebuild your home?

3. What’s your house like?

You’ll likely be asked a series of questions, including the year your house was built, the type and age of the roof, the style of the home, its exterior finish and whether or not you have a garage. You’ll also probably want to know the square footage of your home and may be asked for details on the number of bathrooms or fireplaces. This information helps determine the cost to rebuild your home and may help with determining the amount of coverage that fits your needs.

4. What improvements have you made?

If you have made upgrades to your home since you bought it, such as replacing the roof, installing a central air system, finishing your basement, remodeling a kitchen or other updates that increase the value of your home, your existing homeowners policy may not reflect the current value and replacement cost of your home.

5. What kind of safety devices do you have?

If you have certain safety devices, including smart or connected home technology, a security system or fire sprinklers, you may qualify for a discount on your insurance.

Having all of this information ready to go can make it easier for you to get a quote and can help you get coverage to protect you and your family that fits your needs.

 

11 Spring Maintenance Tips to Protect Your Home

Florida Homeowner's Insurance No Comments

LNC INSURANCE PROVIDERS Offers Spring Maintenance Tips to Protect Your Home

Following these simple steps can even, in some cases, lower your homeowner's insurance premiums

FLORIDA - A home is one of life's most important investments. Keeping it properly maintained can help reduce the risk of a loss and help ensure the safety and well being of friends and family. Just in time for spring, LNC INSURANCE PROVIDERS, a leading insurance agency of auto and homeowners and commercial insurance, offer these maintenance tips to prepare your home for warmer weather and to keep it safe year-round:

  • Inspect your smoke detectors. Make sure that there is one on each floor of your home. Test them and change the batteries at least every six months, when you change your clocks.
  • Check the light bulbs in all your fixtures to be sure that they are the correct wattage as recommended by the manufacturer.
  • Replace lamps that use high-producing bulbs (such as halogen) with those that use fluorescent bulbs and operate at much cooler temperatures.
  • Check your electrical outlets for potential fire hazards such as frayed wires or loose-fitting plugs. Be sure not to overload electrical outlets, fuse boxes, extension cords or any other power source.
  • Keep a multi-purpose fire extinguisher accessible that is filled and ready for operation.
  • Have your air conditioning system inspected by a professional as recommended by the manufacturer.
  • Check for damage to your roof, and clean gutters and downspouts to keep debris from accumulating.
  • Check your water heater for leaks and corrosion, and keep surrounding area clear.
  • Clean and/or replace your furnace filter.
  • Clean the clothes dryer exhaust duct and space under the dryer. Remove all lint, dust, and pieces of material or cloth.
  • Inspect washing machine hoses and replace hoses that show signs of wear or leakage with stronger reinforced hoses. Turn off the water when not in use to prevent water damage if a hose breaks.
  • In your yard, remove all dead trees and keep healthy trees and bushes trimmed and away from utility wires. Do not attempt to remove tree limbs from power lines yourself.  Instead, call your power company to request assistance.
  • Safely store oil and gas for lawn equipment and tools in a vented, secured area.
  • Repair driveway and walkways that are cracked, broken or uneven to provide a level walking surface.

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Established in 2006

LNC INSURANCE PROVIDERS is an independent insurance agency offering a full range of insurance products including AUTO, HOME, COMMERCIAL,, BOAT, MOTORCYCLE, ETC.