Your dog just took down the neighbor’s fence while chasing a squirrel (and your neighbor isn’t happy). Will your homeowners insurance cover the damage? The short answer is, “it depends.”
Policy coverage and exclusions can vary, and when important factors like pets are involved, the fine print matters.
Want to know more? Here are a few common questions about pets and home insurance.
Does your policy cover damage caused by pets?
Many home insurance policies do not cover damage your pets cause to your own property — like a torn sofa or broken TV. However, liability insurance may cover damage your pet does to other people’s property.
What if your dog bites someone on your property?
Most home liability policies offer coverage for damage a person may suffer on your property, including dog bites (up to a certain limit and provided you’ve disclosed you have a dog). Note that after the first dog bite, you may face additional exclusions.
Are different breeds treated differently?
Some insurance policies may offer limitations on coverage if you have what is considered a high-risk breed. When you share what kind of pet you have we can let you know what to expect.
Are backyard animals covered?
Home insurance policies don’t provide coverage for damage your pets, including backyard animals like goats or chickens, cause to your property. However, liability coverage may still apply (with some limitations).
Will your home insurance pay your pet’s medical bills?
Unfortunately, you’re likely on your own for your pet’s medical bills even if they are hurt during a covered incident (like breaking through your neighbor’s fence).
Have questions about your coverage? Reach out anytime.
5 Simple Steps to a Safer Home
Keeping your family safe and your home in good condition are top priorities for any homeowner.
What’s one way to help achieve these goals?
You can conduct a home safety audit each year.
This simply means inspecting a few things and reviewing emergency plans with everyone in your household. These easy safety checks can make all the difference. Here’s where to start.
Locate and test smoke alarms.
Do you have enough smoke alarms, and are they working?
You want one on each floor, including one inside and outside each sleeping area. Test each alarm, replace expired batteries and replace alarms older than 10 years.
Practice getting out and meeting up.
It’s important to have a well-understood evacuation plan in case of a fire or other emergency. Go over the details (like how to exit safely and how to gather up your pets) and practice them together. Settle on a meeting place outside.
Check fire extinguishers.
Do you have one in the garage and one in the kitchen?
Make sure the dial shows the extinguisher is still pressurized. Review the instructions for using it (and know when to use it and when to evacuate).
Look for kitchen hazards. Has grease built up around the stove or on your range hood filter?
t could start a cooking fire. Also, make sure cleaning products are locked away from young children and pets.
Check carbon monoxide detectors.
Make sure they’re still working and have fresh backup batteries. Some are integrated with smoke alarms, but plug-in ones at knee level may provide better detection.
Do you have questions about keeping your home safe or about your coverage?
Reach out anytime for assistance.
Power outages can be a major inconvenience. They can also create problems for you, your family and your home as you shift into "emergency mode" to prevent your food from spoiling, to safely navigate your home in the dark, or simply to keep the heat on. Investing in a home generator can help make being without power more bearable — and can even fuel some fun when not being used for an emergency.
Home generators come in a variety of types and sizes, from portable versions to "standby" and inverter units. Portable generators typically run on gasoline and need to be operated at a safe distance from any structure. Standby generators start automatically when the power goes out, and are run on propane or natural gas. Inverter generators have a more complex engine than the other types, and are much quieter than their conventional counterparts.
Regardless of which type of generator you choose, you will need to follow the manufacturer recommendations for safe operation of the unit.
It's helpful to research this useful home device before you urgently need it, so here are 10 reasons to consider if you're thinking about purchasing a home generator of your own.
1. We can't control the weather.
Most power outages are weather-related. As the number and severity of extreme weather events rises, so does the likelihood of a blackout lasting 24 hours or more.
2. You have well water.
Without electricity, your well pump and filtration systems will quickly lose the ability to provide fresh, safe water for drinking, bathing, heating and more, to your house.
3. You have a sump pump.
If you rely on a sump pump to keep your basement or crawlspace dry — including all the possessions you keep in those areas — losing power means you also lose protection against water damage in those areas.
4. You work from home.
If you run a business or work out of your home, you know every minute counts. Going without power for even an hour can be a major inconvenience — if not a major risk — to you, your clients and customers.
5. Food spoils quickly.
According to the FDA, perishable food items should be thrown out once your refrigerator has been without power for as little as four hours.1
Travelers wants to help you protect the things that matter to you. We offer a wide breadth of products so you can be covered at home and on the road.
6. You live in a high-risk or severe climate area.
Some states are more vulnerable to weather-related outages. Others have such severe temperature extremes that power to control air conditioning and heating systems can be essential for comfort and safety. If you live in one of these areas, your risk to the potentially devastating effects of a power outage increase significantly.
7. Your property is vacant for extended periods of time.
If you are a "snowbird," frequent traveler or own a seasonal home, having a generator can protect your property from outage-related emergencies — whether you're in or out of town.
8. Someone in your home relies on an electrically powered medical device.
If you or a loved one requires the assistance of a home medical device that runs on electricity, a power outage can be deadly. A generator can help keep those devices running, but you also will want to check with a healthcare professional for suggestions on how to weather power outages with your particular medical device.2
9. You have a hybrid or electric car.
Make a portable generator go the extra mile! When not using it for your basic emergency power needs, keep it in your car to stay charged no matter where the road takes you.
. Generators aren't just for emergencies.
Portable generators can be put to use at work or play in, around and away from your home, too:
Whether it's due to storms, falling trees or some other challenge, power outages can bring an assortment of problems for home owners. A home generator can become one of your go-to remedies for those unexpected situations. Checking out the options before you lose electrical power is one smart way to beat the crowds who'll be racing to scoop up a home generator, for that "next time" outage scenario.
As a San Francisco based artist and creator of beautiful things, I strive to design the details of my life so that my experience of beauty is enhanced to the maximum. It's what I call Artful Living. One of my inspirations is beautiful fabric. What's yours?
My business is sewing for custom interiors and I get great pleasure from working with exquisite fabrics. Flowing silks, crisp linens and the bright flowers of a waxy cotton chintz are a delight to the senses. My featured fabric from the house of Fortuny is one of my favorites.
What I love about my work is collaborating closely with clients to create the houses they want to live in and feel great about. Making everything from bedding, window treatments and pillows, I create something exquisite every day. I have extended the rich sensual experience of my work into my philosophy of Artful Living.
Artful Living can encompass the materials, the texture, the color and the form of the everyday items with which you surround yourself. Life is a feast and you can take every opportunity to enjoy it's pleasures by enriching your daily experience with beauty. Live Artfully by:
Have Your Special Signature Piece - Take an everyday item like your handbag, your tote or a scarf and make it your special signature piece. A unique expression reflective of you! For instance, one day in a great hurry, Babe Paley socialite and trend setter in the 50's and 60's, tied her Hermes scarf to the handle of her handbag thereby creating a fashion craze. Everyone who was anyone immediately did the same.
Uplift and Enrich Yourself in Small Details - It isn't what you possess but how you make the most of it by presenting and arranging it. Consciously design your life as an antidote to the pervasive stress of the 21st century. Choose the details of your surroundings to uplift and enrich your life. Perhaps it is something that was made especially for you, or something that reminds you of a joyful time. Whenever I look at the small Florentine paper picture frame which sits on my bookcase, I am instantly transported to that magical shop under the Ponte Vecchio and the soft, warm light of a spring evening. What small item takes you to a favorite corner of the world?
Be Environmentally Friendly - Your artifacts can be fashioned from salvaged, recycled, reused or renewable materials. You might think that this does not sound sexy but you can have beauty and be kind to the planet at the same time. I reuse vintage Japanese kimonos to make beautiful pillows and totes. My clients love them because they are extremely limited pieces, made especially for them from high-quality fabrics with prints that are no longer loomed. It's a real thrill to have your own custom pillow, tote or accessory in a fabric that will never be made again.
Be a Pebble in the Pond - As the ripples spread out from one small pebble dropped into a pond, you can give others the gift of Artful Living by simply embodying it yourself. Others will perceive and enjoy your increased sense of vivaciousness as you unselfconsciously go about sporting your signature piece. Just think of how good you feel when someone compliments you on your good taste and style. You can also artfully maintain the details of your work environment. I often benefit with improved mood and vitality by keeping a fresh cut flower (a red, orange or yellow Gerber Daisy is my favorite) in a small elegant Japanese ceramic vase. I keep it next to my computer and a couple of times a day or so, the color and fragrance affords me a wonderful contemplative get-away into beauty. It lets me refocus on my work with a renewed sense of vigor. You can experience the same benefits with your own personal artful design. By expressing the radiance that is your true nature, you will enhance your own life and the lives of others in surprising ways!
Get ready for an abundance of fresh ideas, energy and new beautiful items to enhance your living!
Shirley Anderson <br>
<a href="http://www.minnastreetcreations.com"> Minna Street Creations </a>