Watch Out for These Homeowner Mistakes
Few things in life are as stressful as buying a home. That is, until something goes wrong with it. The real work of owning a house often begins after moving in, but you can start the journey well-prepared by being aware of these common pitfalls.
Many homeowners make the unfortunate error of underestimating how much their personal belongings are worth. Though it's important to have your property appraised, that alone isn't enough.
To get the most suitable coverage, factor in the value of everything inside your dwelling, too -- not just what it would take to repair. From improvements you've made and appliances you've updated to furniture, clothing and electronics, you'll need to account for everything that would have to be replaced.
Ignoring Routine Maintenance
All homes require upkeep, and some tasks are more vital than others. Realistically, neglecting routine maintenance could even lead to a fire or flood. In fact, homeowners are more likely to file insurance claims for water and smoke damage than any other type.
Since houses don't come with an owner's manual, it's a good idea to make and follow a home maintenance checklist that includes doors and windows, your washer and dryer, and fire prevention equipment.
Making Assumptions About Your Policy
Do you fully understand your homeowners insurance deductible? If not, it's important to get to know how it works and what out-of-pocket costs you'll be responsible for in the event of an incident.
Generally, the higher the dollar amount or percentage deductible, the less you pay in premiums each month. But before you increase or decrease it, make sure you know how various claims would play out.
All homes, even new ones, experience unexpected issues now and again. Fortunately, many are preventable with a bit of know-how.
Life can naturally be unpredictable, and various events may cause your car insurance rates to fluctuate, too. If you'll be making a change in the future, be aware of which common milestones could affect your premium.
Can you reverse a rate increase?
It may not be possible to reverse a rate increase, especially if it was due to an expansion of coverage; however, sharing updates about automatic security features in your car and doing a record review of other drivers on your policy may prevent outdated information from further raising your monthly rate.
Keeping your insurance up to date starts with revising your policy to include major life changes. An annual review of your coverage will help make sure it still corresponds to your family's needs.
Please reach out if you have questions or if you'd like to check in.
Futuristic features aren’t just for luxury vehicles anymore. Many high-tech additions are now offered as standard options in all kinds of cars, which means it’s important to stay on top of these developments and their potential benefits.
Want to know more? Here’s a look at a few top trends.
Though we’re inching toward full automation, for now even the most advanced vehicles still require a driver. Of the partial driving automation systems that do exist, they seem to perform best in bumper-to-bumper traffic where they excel at keeping a safe distance.
A Paper-Free Approach
Many manufacturers are embracing the digital approach and doing away with analog owner’s manuals. Instead of flipping through pages, drivers can check their screen display or the app they’ve downloaded when they have a question about their car’s features.
Nearly all major car manufacturers have announced the release of an alternative fuel vehicle. Some companies, like Volvo, have pledged that all new models will be either completely electric or hybrid.
In addition to being able to sync your vehicle with wearable technology, many of the luxury sedans of 2019 come standard with massaging seats. Many may also have features like aromatic, lighting and audio specifications that shift with your changing mood.
As part of their crash detection features, some cars will now emit a tone that helps cushion the ear canal in the seconds before an impact. Ideally, this will lead to less discomfort and hearing damage after an accident.
Have questions about auto coverage for a new vehicle?
Reach out anytime.
Seguro para carros financiados
Seguro para carros financiados funciona da mesma forma que seguros para carros quitados. Só haverá diferença caso seja necessário receber a indenização em sinistros de perda total.
Há duas maneiras de receber o pagamento integral da indenização quando você tem um seguro de veículo financiado. A primeira funciona assim: você quita o saldo devedor com a financeira ou com a montadora e conclui a dívida. A outra é forma é a seguradora quita o saldo devedor diretamente com a instituição que realizou o financiamento do carro e você recebe a diferença de valores
Understanding the four essential protections provided by your homeowners policy
Homeowners coverage provides financial protection against loss due to disasters, theft and accidents. Most standard policies include four essential types of coverage: Coverage for the structure of your home; Coverage for your personal belongings; Liability protection; Coverage for Additional Living Expenses
Your homeowners policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disasters listed in your policy. Most policies also cover detached structures such as a garage, tool shed or gazebo—generally for about 10 percent of the amount of insurance you have on the structure of the house.
A standard policy will not pay for damage caused by a flood, earthquake or routine wear and tear.
When purchasing coverage for the structure of your home, remember this simple guideline: Purchase enough coverage to rebuild your home.
Your furniture, clothes, sports equipment and other personal items are covered if they are stolen or destroyed by fire, hurricane or other insured disasters. The coverage is generally 50 to 70 percent of the insurance you have on the structure of the house.
Liability covers you against lawsuits for bodily injury or property damage that you or family members cause to other people. It also pays for damage caused by your pets. So, if your son, daughter (or even your dog) accidentally ruins a neighbor’s expensive rug, you are covered. (However, if they destroy your rug, you’re out of luck.)
The liability portion of your policy pays for both the cost of defending you in court and any court awards—up to the limit stated in your policy documents.
Liability limits generally start at about $100,000, however, it’s a good idea to discuss whether you should purchase a higher level of protection with your insurance professional. If you have significant assets and want more coverage than is available under your homeowners policy, consider purchasing an umbrella policy, which provides broader coverage and higher liability limits.
Your policy also provides no-fault medical coverage, so if a friend or neighbor is injured in your home, he or she can simply submit medical bills to your insurance company. This way, expenses can be paid without a liability claim being filed against you. It does not, however, pay the medical bills for your own family or your pet.
Additional living expenses
ALE pays the additional costs of living away from home if you cannot live there due to damage from a an insured disaster. It covers hotel bills, restaurant meals and other costs, over and above your usual living expenses, incurred while your home is being rebuilt.
Keep in mind that the ALE coverage in your homeowners policy has limits—and some policies include a time limitation. However, these limits are separate from the amount available to rebuild or repair your home. Even if you use up your ALE your insurance company will still pay the full cost of rebuilding your home up to the policy limit.
If you rent out part of your house, ALE also covers you for the rent that you would have collected from your tenant if your home had not been destroyed.
2018 hurricane season
(June 1-November 30)
There are a number of disturbances in the Atlantic Ocean currently being tracked by the National Hurricane Center.
Preparation is the key to successfully getting through a severe storm.
It is important to remember that the physical safety of your customers, their families and their pets is paramount and should always be the number one priority. Putting together a storm kit is a great step.
The kit will ideally include:
As storms approach, it is recommended to bring in or secure patio furniture so the risk of damage, to the furniture itself or anything it might be blown into during the storm, is reduced.
Additionally, ensuring each vehicle has a full tank of gas is suggested as lengthy power outages will impact the ability to secure fuel.
Maintaining extra fuel for gas grills or generators is also encouraged, but it is critical to ensure the fuel is kept in an appropriate safety container and is properly stored to minimize the risk of fire.
abc CH11: Steve Stewart
As Hurricane Florence moves closer to the coast, we've been hearing a lot about 'storm surge.'
Large death tolls have resulted from the rise of the ocean associated with many of the major hurricanes that have made landfall. Hurricane Katrina is a prime example of the damage and devastation that can be caused by surge. At least 1,500 people lost their lives during Katrina and many of those deaths occurred as a result of storm surge.
Storm surge is produced by water being pushed toward the shore by the force of the winds moving counter-clockwise around the storm. The maximum potential storm surge for a particular location depends on a number of different factors. Storm surge is a very complex phenomenon because it is sensitive to the slightest changes in storm intensity, forward speed, size, angle of approach to the coast, central pressure and the shape and characteristics of the coastline.
In addition to the power of surge, battering waves on top of the surge can cause significant destruction to structures. Water weighs around 1,700 pounds per cubic yard; extended pounding by waves can demolish any structure not specifically designed to withstand such forces. The two elements work together to increase the impact on land because the surge makes it possible for waves to extend inland.
(CNN)Hurricane Florence's wrath begins today.
The Carolina coasts can expect winds topping 80 mph late Thursday afternoon. And that's just the prelude to untold days of misery.
Don't be fooled by the fact that Florence has weakened slightly to a Category 2 hurricane; categories only denote the speed of sustained winds.
What makes this hurricane extremely dangerous are the deadly storm surges, mammoth coastal flooding and historic rainfall expected far inland.
"I don't care if this goes down to a Category 1," CNN meteorologist Chad Myers said. "We're still going to have a Category 4 storm surge."
TRACK THE STORM
Even worse: Florence is expected to hover over the Carolinas, whipping hurricane-force winds and dumping relentless rain at least through Saturday.
By the time it leaves, it's expected to have unloaded 10 trillion gallons of rainfall in North Carolina, weather.us meteorologist Ryan Maue said. That's enough to fill more than 15 million Olympic-size swimming pools.
• Fierce winds and rain have started: "Rain bands with tropical-storm-force winds (are) moving onshore on the outer banks of North Carolina," the National Hurricane Center said. Tropical-storm-force winds are between 39 and 73 mph.
• Florence is getting closer: As of 8 ET Thursday morning, the center of Florence was about 170 miles east-southeast of Wilmington, North Carolina, and about 220 miles east of Myrtle Beach, South Carolina.
• The path of the storm: Florence's center will approach the North and South Carolina coasts late Thursday and Friday, but it's unclear exactly when and where and it will make landfall. As the storm moves inland, Georgia, Virginia and Maryland will also be in peril.
• Storm surge is a huge threat: Strong winds will send rising water inland from the coastline of the Carolinas. The storm surge could rise up to 13 feet -- that's water inundating homes up to the first-floor ceiling, the National Hurricane Center said.
• Flight cancellations: At least 800 flights along the US East Coast have been canceled Thursday through Saturday ahead of the storm.
"Our sand dunes are healthy, but they're not going to be able to keep back a wall of water like that," he said. "Flooding is almost guaranteed."
Susan Faulkenberry Panousis has stayed in her Bald Head Island, North Carolina home during prior hurricanes, but not this time. She packed up what she could and took a ferry.
"When that last ferry pulls out ... it's unnerving to see it pull away and know, 'That's the last chance I have of getting off this island,'" she said Wednesday.
Emergencies declared in several states
Officials in several states have declared states of emergency, including in the Carolinas, Georgia, Virginia and Maryland, where coastal areas are still recovering from summer storms.
Florence's expanse even captured the attention of the astronauts and cosmonauts aboard the International Space Station, who have been tweeting pictures of the storm back to Earth.
"Watch out, America! #HurricaneFlorence is so enormous, we could only capture her with a super wide-angle lens from the @Space_Station, 400 km directly above the eye," German astronaut Alexander Gerst tweeted. "Get prepared on the East Coast, this is a no-kidding nightmare coming for you."
Florence is one of four named storms in the Atlantic. Tropical Storm Isaac is forecast to approach the Lesser Antilles Islands on Thursday. Hurricane Helene is veering toward Europe. And newly formed Subtropical Storm Joyce is not expected to threaten land soon.
Those four storms are brewing at the same time Hurricane Olivia is pounding Hawaii.
CNN's Kaylee Hartung, Jason Hanna and Steve Almasy contributed to this report.
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I had MPIUA insurance at our Cape Cod property for quite a while and decided it was time to go with a different insurer. MPIUA clients know the story. I was not in a rush. So I contacted four local agents in the area and Davidson Calfee was the only one to follow up and to see if I had made a decision. Made the deal on the spot. All other companies never called back. The policy was great and I have been insured with Calfee for 1 year. My interaction could not have been easier in setting up the policy specifics. I would recommend Calfee without hesitation. Thanks for the read.
Arthur D Calfee Insurance saved me a lot of money on my homeowners insurance. They shopped around until they found a responsible, highly-rated insurer that offered a reasonable rate. Luckily, I haven't had to make a claim yet, so I can't comment on that.
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Since 1980, the Calfee Family has endeavored to offer the highest rated companies to our clients. Our staff in both offices are highly trained insurance people who will answer promptly your insurance inquiries. Insurance quotes may be given for your home, car, boat, life & business. We have developed special, long term relationships with our company underwriters and insurance claim representatives to give excellent quality service to our clients.
I quoted around and they got me the best, most competitive, home insurance policy for the cape cod, ma area. And they saved me money on my car insurance too! Together they saved me a ton $$$
I live near the water on the Cape and had been searching for a reasonable homeowners policy. The fair plan was really not fair. I met with Calfee Insurance. They hooked me up with an A++ carrier and the policy had a miniscule 1% wind deductable for half the premiums of my old policy (by the way, my old policy had a 5% wind deductable). Half the cost and better coverage that is what Calfee can do for you. I would recommend them to the best of my friends.
I recently switched my auto insurance to Arthur D. Calfee insurance. The experience I had with them was great - they got me a quote the same day, which was quite a bit lower than what I had been paying. The staff was knowledgable, friendly and helpful. They showed me how to go on line and pay my bill and walked me through exactly what I needed to do. Since I had such a great experience with them for my auto insurance, I had them quote my homeowner's policy, and had the same experience - personal service, great prices, they are by far the best agency I have ever dealt with, and I would highly recommend them!
Calfee Insurance is a great company, they not only saved me money but were so thorough that I got a more comprehensive coverage policy. They took the time to explain all the intricacies and variations in the Coverage. Since we live near the water we didn't think we had a choice in policies but Calfee explained that the laws have changed and new coverage is available. Now we could combine our Home and Auto and save even more.
I would recommend Calfee to everyone because they are so easy to deal with, professional and do not pressure you. Like I said, they explain everything so you know what, why and how your policy designed just for you. I have my Home, Auto and Business policy's with them.
I recently got a quote from Davidson at Calfee insurance for insurance on my rental property. I had a fabulous experience there. I got a great rate, the ... Read More
I had just purchased a home in Cotuit and I needed homeowner's insurance and wanted someone in the upper Cape area to help me out, as I really didn't know ... Read More
Tracy McCarthy, Health and Life Insurance Agent, Independent Health Insurance Agent
I was with another company when working with Davidson O. at Arthur D. Calfee Insurance Agency, Inc. of Falmouth Ma.
"As an extremely personable and knowledgeable professional, Davidson assisted me in securing liability and workers' comp insurance for a new non-profit school that I am involved with as a volunteer and board member. His dedication to get us coverage in a timely fashion and handle most of the paperwork was outstanding. Davidson is a true professional (real estate agent) and gentleman; someone I would highly recommend to all my colleagues and clientele in Falmouth and Barnstable Ma." June 19, 2008
Call (508)540-2601 Cape Cod Home Insurance
News from Cape Cod, Massachusetts. Let's look at your Home Insurance! I have some very exciting news..
More coverage for less money is just a better Home Insurance Plan! Best for Coastal Massachusetts Homeowners. Package with your Car Insurance for more discounts.
And it's real easy to find out. Just call 508-540-2601.
That's 508-540-2601 serving Cape Cod, Martha's Vineyard, Nantucket, Plymouth, Marion, New Bedford, Marshfield, serving all of Massachusetts.
This Home Insurance Agency has been in business for almost 40 years in Massachusetts.
Call 508-540-2601 or visit: www.CalfeeInsurance.com
Let's get you a better Home Insurance Plan that costs less.
Cape Cod Home Insurance Quotes Provided by a Top Local Insurance Agency. Customized Plans. Affordable Rates. Get a Quote Now. In Business for 40 Years on Cape Cod. Coastal Home Insurance. Types: Homeowners Insurance, Renter’s Insurance, Condominium Insurance.
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