You will want your home insurance policy to include all the types of coverage that you need. Protect your Palm Coast, FL home with a policy from All Counties Insurance Agency & Traffic School. 

The following are four coverage options that your home insurance policy should include. 

Coverage for personal property

Any home insurance policy should include some coverage for personal property.

You should always add on to the personal property coverage offered in a basic policy. Increasing your personal property coverage maximums is especially important if you own particularly valuable jewelry or electronic equipment. 

Coverage for liability expenses

You should also add on to the liability coverage that your home insurance policy offers. As a homeowner, you could face a lawsuit if an accident happens on your property. Adding extra liability coverage helps ensure that you’re prepared for this possibility. 

Coverage for damage caused by sewer and drain backup

Sewer and drain backup can cause extensive damage in a home. Fortunately, home insurance providers typically offer sewer and drain backup coverage. However, you might have to add this type of coverage to your policy as an endorsement since it doesn’t always come with a standard home insurance policy. 

Coverage for outbuildings

If you have outbuildings like a detached garage or shed on your property, you should ensure that these outbuildings are covered. Discuss outbuilding coverage with a home insurance company representative to ensure these structures are covered. 

Do you have questions about your home insurance coverage options in Palm Coast, FL? We’re here to provide the answers you want at All Counties Insurance Agency & Traffic School. Call us now for a quote!

If a tornado or a fire hits your home, there may not be much left to inventory. If you have done a home inventory, you will have a list of everything you had at your fingertips. At All Counties Insurance Agency & Traffic School in Palm Coast, FL, we pride ourselves on the level of customer service that we offer. 

Making a home inventory is time-consuming, and you may have been putting it off because of that. It is time well spent and will save you time when you file a claim. You can do a video inventory, but the more detailed you have, the better it will be. Bring your phone to take pictures and a pad and pen and write down everything that you find in whatever room you choose to begin in. 

It would be best to write down everything hanging on your walls, closets, drawers, and cupboards. If there is one, write down the brand, the model, and the serial number. If you have receipts and sales slips for items in your inventory, attach them to the list. If you have expensive items, it is essential to have an appraisal. 

Go through all the rooms in your home. You don’t need to create your inventory all in one day; you can do one room at a time. After the rooms are done, head to the attic and basement. Finally, go to the garage and a shed if you have one. 

Storing your inventory is important. It should be in a safe place, preferably away from your home. Always keep a copy of it online for easy access. 

Give our office a call at All Counties Insurance Agency & Traffic School in Palm Coast, FL when you need home insurance. 

When it comes to saving energy and money, making your Palm Coast, FL area house more energy efficient is a great way to start. Here are some tips from us at All Counties Insurance Agency & Traffic School to help you get started: 

1. Change your lighting: Switching to energy-efficient light bulbs like LEDs and CFLs can save you around 75% in electricity costs compared to traditional incandescent bulbs. 
2. Install insulation: Proper insulation keeps heated air from escaping in the winter and cool air from leaving during the summer, significantly reducing energy costs.
3. Upgrade your windows: Installing double- or triple-pane windows can reduce heat loss by up to 25%. 
4. Use solar power: Go green with solar panels on your roof! Solar power cuts down on the amount of nonrenewable energy you use, resulting in lower electricity bills for years. 
5. Utilize natural ventilation: Use natural breezes when possible by using ceiling fans or opening windows throughout your house instead of running an AC unit. This will help keep energy costs low while maintaining a comfortable temperature in your home all year round.  
6. Invest in energy-efficient appliances: From washing machines to refrigerators and dishwashers, upgrading your household appliances with energy-efficient models can help you save money over time. Many of these models also come with special rebates from the government if you upgrade before a certain date! 

Small changes like these can significantly impact the environment and your pocketbook, so don’t hesitate to switch today! Call us at All Counties Insurance Agency & Traffic School today for more tips. We are proud to serve the Palm Coast, FL area.

Are you a resident of Palm Coast, FL? Are you thinking of becoming a homeowner? If so, contact the All Counties Insurance Agency & Traffic School to get information about this vital insurance coverage.

Whenever a mortgage is carried on a property, the insurer requires that homeowners insurance is purchased. Why? They want to ensure that their interests are protected in the event of a total loss. There are no state laws that require homeowners insurance. However, it becomes more complicated when a mortgage is involved.

The main reason to purchase homeowners insurance is to protect your property. The dwelling part of the policy covers such events as vandalism, fires, and certain weather events that will be outlined in the policy.

A homeowners’ insurance policy will not cover some large-scale events. They are:

• Acts of war
• Earthquakes
• Floods
• Infestations, including termites
• Mold
• Nuclear accidents
• Sewer backup
• Water damage

Homeowners’ insurance can be purchased without an inspection. Typically, the lender will require an inspection before approval, so the home may not need to have another inspection.

Jewelry, artwork, and collectibles will not be covered. A special rider or floater is a step up from general coverage on a homeowners policy. It may not be the full replacement amount, but the difference between its worth and the coverage amount should be easy to come up with.

So, what does homeowners insurance cover? It will cover the cost if something unexpectedly destroys or damages your home, like a burst pipe, bad storm, theft, wind, hail, lightning, or fire. The insurance company will accept a claim if the policy covers the cause of the damage.

The All Counties Insurance Agency & Traffic School can provide a no-obligation quote or answer any questions. Contact our team today.