How home insurance can protect your New Mexico home

When you are looking for ways to build long-term wealth, buying a property is a great option. For those that choose to buy a home in the Clovis, NM area, ensuring that their home is properly covered by insurance is very important. There are a number of different ways that a home insurance policy can protect your New Mexico home and valuable asset. 

Protection From Storm Damage

Due to the wild weather that can occur in New Mexico, it is important that you have proper home insurance in place. Whether it is a bad rainstorm, a tornado, fire, or another natural disaster, you always need to be prepared for damage to your property. One of the best ways to do this is by getting a home insurance policy. These insurance policies will provide you and your property with financial protection if it is damaged in a storm.

Theft and Vandalism

While natural disasters are always a risk, there is also the risk of theft or vandalism. Even if you live in a great neighborhood, this risk is always present. Since you could incur a significant loss due to property damage and loss of personal assets, you should get a home insurance policy. This will cover the replacement of some personal items and repairs to your property.

For those that own a home in the Clovis, NM area, getting home insurance is very important. Once you are ready to buy a home or want to get a new policy for an existing property, you should speak with the team at the General Insurance Agency. The team at the General Insurance Agency can explain all of your different options available and will help you to get into a policy that provides the right level of coverage. 

Why It Is Important To Review Your Home Insurance Before The Holidays

A lot of things happen around the holidays. Particularly in Clovis, NM, you want to make sure that your home is protected against all that could go wrong. Whether it’s your decorations, your cooking or your entertaining that could cause a catastrophe, your insurance policy is what will protect you. General Insurance Agency can help you build a sufficient policy for the holidays as well as the rest of the year.

Think about the various scenarios that could lead to an insurance claim. You plug in too many wires while decorating and cause a fire. You leave the oven on after baking pies and cause a fire. You invite the neighborhood over for a party and someone gets injured on your property and then sues.

By reviewing your policy before the holidays, you can make sure that you have coverage in all of the necessary areas. If you don’t have fire coverage or you don’t think you have enough liability protection, you can make adjustments to your policy. You can also increase your coverage of personal property in the event that you get broken into around the holidays, which is common in many cities.

Ultimately, you want to be able to rest easily throughout the holidays knowing that, if something were to happen, you can file a claim. You don’t want to be financially responsible for repairing your home or making replacements on all of your valuables. Your insurance company should be able to take care of the majority of the expenses – but only if you have the necessary coverage.

Your home in Clovis, NM should always be covered. Independent insurance agents at General Insurance Agency can review your policy and make recommendations. We can also help to make cost comparisons that can save you money on your premiums.

 

 

5 Easy-to-Overlook Things That Can Affect Home Insurance and Rates

Shopping for home insurance, either for a new home purchase or for better rates, can lead to numerous questions. Some of the most common involve what actually affects those rates. While some issues are common knowledge, there are also topics that can easily be overlooked. A quality general insurance agency serving Clovis, NM and the surrounding area is going to want their clients to have this information.

Below are 5 things too many homeowners overlook and how they can affect their rates.

1. A pool. Having an inground or above ground pool can be fun, especially for kids and barbeques, but they can significantly raise home insurance rates due to liability. These are called ‘attractive nuisances’ and it’s essential to follow all local laws and ordinances to limit liability.

2. Home-based businesses. Even if a person is simply offering services (not products), they open themselves up to external liability, which can put their home in jeopardy, too.

3. Dogs. There are certain breeds of dogs that are considered major liabilities, especially for attacks against strangers and even family and friends. A general insurance agency should be willing to share which breeds they consider too risky. 

4. Home remodels. If you plan to remodel your home, that can be exciting. Just keep in mind the type of renovation can often have a direct impact on your insurance rates. Contact that general insurance agency in Clovis, NM for more direct details.

5. Home security. Having a quality, reliable home security system and taking other steps to shore up security in your home can help you find lower rates, thus saving money each month on your premiums.

These are just a few ideas that can help save money on home insurance rates.

Are Dog Bites Covered by Your Home Owner’s Policy?

General Insurance Agency serves residents who live in and around the St. Clovis, MN area. They offer a comprehensive list of insurance policies that cover your home, automobile, and business. Each agent can offer sound advice about the amount of coverage you need as well as ways to protect yourself from financial loss. Dog owners often have questions concerning their liability when it comes to their pets. 

Issues On Your Property

While laws can differ from state to state, the main issue with a dog bite is whether the dog was under the control of the owner when the bite occurred. If you have dogs and plan on inviting people to your home, you should contain your pets so they have no contact with your guests. If a pet gets loose and bites someone while they are in your home, you will be liable for their medical expenses. It’s important to know exactly what your policy says when it comes to having guests in your home and any potential liability you may be responsible for.

What Happens If My Dog Gets Loose?

If for any reason your dog leaves your property and attacks or bites someone, you may be held liable for any damages because you were not in control of your pet at the time the attack occurred.

The agents of General Insurance Agency can offer sound advice on how to protect yourself from specific types of liability, including that associated with dog bites and other types of injuries that are caused by pets. If you live in St. Clovis, MN, call and schedule an appointment today to make sure your policy is up to date and provides coverage for any liability that you may incur because of your pet. 

What Types of Roof Damage Are Covered Under Home Insurance Policies?

If you have a home insurance policy, damage to your roof may or may not be covered under the policy. At General Insurance Agency, we are often asked what type of roof damage is covered and what type of roof damage is not covered. Very generally speaking, if your roof needs repairs due to routine wear and tear or age, the repair and damage are not covered. If your roof was in otherwise great condition and a weather element damaged it, the roof damage may be covered. Here are a few instances when roof damage is covered by your home insurance policy. 

Wind Damage

If the winds are extremely strong, the gusts may blow shingles, tiles and other roofing materials right off your roof. If this happens, your roof repair will likely be covered by insurance. 

Hail Damage

Hail damage is the number one reason why homeowners insurance claims are made for roof damage. Hail can severely damage your roofing. If your roofing was in otherwise good shape, hail damage will be covered. 

Damage From Snow Storms

If you get a large amount of snow in a short amount of time, your roof can actually sustain damage or even cave in. When this occurs, home insurance will often pay. 

Fires

The last common reason why roof damage would be covered by a home insurance policy is because the roof was damaged by a fire. If a fire breaks out on the roof or under the roof, your home insurance company will likely pay for the repairs. 

If you have questions about your roof damage and homeowners insurance, General Insurance Agency would be happy to help you. We can help you determine what is covered and what is not covered based on the language in your policy. 

Do you Need more Home Insurance if you have more Occupants?

Home insurance is something that all homeowners have and that many may not understand fully. One question that recurs is whether or not you need more home insurance if you have a larger number of occupants. For those that live in the Clovis, NM area, the agents with General Insurance Agency can help you answer all the questions you may have.

For those that have a large number of occupants the real issue with home insurance is not going to be insuring the people living in the home but rather making sure you are able to insure the contents and items that the larger number of people own. You will, of course, need to let your insurance company know how many people are in the home and the living arrangements for both safety reasons and so that you can be sure you are going to be covered in the event of a disaster.

Often with a large number of occupants, you also need to worry about a large volume of contents and a larger chance that it may be difficult to get the people out if something happens. You are going to want to make sure you have enough coverage for the belongings of the people and for the people that are in the home. In general, you can adjust the coverage that you have based on how many people are in the home and can change the coverage as needed. In most cases, changing coverage for a larger number of people is not going to change the overall premiums that much.

For those in the Clovis, NM area, the agents with General Insurance Agency can help you to get the perfect amount of coverage for your home situation.  

Why fireplace safety is important

There is nothing like a roaring fireplace to set a romantic mood, especially during the winter months, with all of the other lights turned down low. A fireplace can also be the center of a family gathering because you can roast hot dogs and other dishes when the fire is low but the embers are still hot.

But, you should observe a few rules to operate your fireplace safely.

  • Make sure that your chimney is cleared of tree branches and bird nests and that the brick and mortar are intact.
  • Make sure that the chimney is checked and cleaned periodically.
  • Clean out the ashes from previous fires before starting a new one.
  • Use well-aged, dry wood, which produces less soot and smoke and burns more evenly.
  • Make sure that the flue or damper is open before lighting the fire; otherwise, you will fill your house with smoke.  Along those lines keep a nearby window cracked.
  • Make certain the grate is up when the fire has started. That way embers won’t fall out to set fire to your living room.
  • Be sure that flammable furniture and other items are set well away from the fireplace.
  • Make sure that the fire is completely out before leaving the room for any extended length of time, such as going to bed or leaving the house.
  • Have both a carbon monoxide detector and a smoke detector installed nearby.
  • Have a fire extinguisher within easy reach.
  • Make sure that your children are well versed in fire safety, and make sure that fireplace tools such as pokers are out of small hands. Do not leave small children alone in a room with a burning fire.

For more information on home safety and insurance contact General Insurance Agency serving Clovis, NM

Are Home Insurance Policies Changing To Accommodate The Tiny House Boom?

General Insurance Agency – Nothing Tiny About It

Tiny houses are all the rage nowadays.  A review of the home improvement channels will illustrate that for you. While millions of people are looking for more space and tapping into the American dream of a beautiful spacious home replete with the white picket fence, 21/2 baths and four bedrooms, there are a growing number of people who are looking to “go tiny”.

Serving Clovis, NM and its surrounding areas, General Insurance Agency are expanding its terrain to accommodate all of your insurance needs. When it comes to tiny houses it is owners choice in how to insure. Many home insurance policies include the term “foundation” in the underwriting. Tiny houses are generally constructed on wheels not concrete.

What are the differences between how a recreational vehicle and a tiny house are insured? How you want to insure is paramount. Speaking directly with the staffers at General Insurance Agency is the best idea. There are a lot of factors to consider. Just a few of the things you should consider include:

  • Will you be taking the vehicle across state lines often?
  • Will you be renting land or lot space when you park your tiny house?
  • Will most of your valuable items be in your tiny house or stored elsewhere?

Insurance is for your peace of mind. What is going to make you feel the most comfortable as you lay your head down to sleep in Clovis, NM or wherever you take your tiny home. One example of a major difference between tiny house and traditional house is that the fire safety codes must be changed to reflect where the tiny house is.

If a comprehensive policy is what you are looking for then we have your number.

How Is My Homeowners Insurance Affected If I Rent Out My House?

If you have purchased a home to rent out, or decided to rent out a home you can’t sell, you may be wondering whether your regular homeowners insurance will be affected by allowing other people to live in your home. The length of time your home will be rented affects the type of policy you need. Here is some information you will want to know if you are in this situation.

Temporary Rental

If you are renting your home out for only a temporary amount of time, and this is not something you plan on doing again in the near future, your homeowner’s insurance policy may not be affected. However, you will want to contact your insurer just to be positive. They may require you to sign an endorsement stating who will be living there, how long they will be there and the circumstances surrounding the temporary rental.

Short Term or Vacation Rental

If you plan on renting your home out as a short term or vacation rental, your home is no longer deemed to be a home, but rather a business. As such, a homeowners insurance policy will not help you. You will need to obtain a business policy. There are various types of policies, including hotel, bed and breakfast and vacation rental policies.

Long Term Rental

If you are looking to rent your home out as a long term rental, typically six months or longer, you will need to obtain a landlord or rental dwelling policy. These policies may be add-on policies to your homeowner’s policy or may be sold separately, depending on the insurance company.

If you are looking to rent your home in the greater Clovis, NM area out contact General Insurance Agency. We can help you with all of your insurance needs, including rental and home insurance policies. Contact us today for a free quote.

Understanding Home Insurance in Clovis

People may go their whole life without ever using their insurance, and if they do, it’s only about select events. As a result, it means that people are only so sure of how insurance will work if and when something goes wrong. This type of confusion lands too many people in hot water, and as a homeowner, you really can’t afford to be in that situation. McCormick Insurance Inc. wants you to understand more about it all if you live in St Clovis, NM. 

Rethinking the Problem

Home insurance isn’t just another bill you have to pay every month, but rather what can mean the difference between living in your home and having to rely on friends and family for their goodwill. While you may have resources available to you, the vast majority of people can’t afford the contractor and replacement fees should they need to pay for everything out of pocket. McCormick Insurance Inc. knows full well just how much this can land people in a very desperate situation, and we definitely don’t want this to happen to you.

Home Insurance Saves

Home insurance isn’t just want you when a branch takes out your upstairs window. It’s who you call when a criminal breaks in after you’ve been gone for a week on vacation. It’s who you call if you have a guest over who falls on a misplaced object in the middle of the floor, and wants you to cover all of their medical bills. These things don’t happen everyday of course, but they happen enough that it just takes one incident to severely change your tune about how you should have gone about selecting insurance. The residents of St. Clovis deserve someone to talk to about all of this, so give us a call today for more information. 

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