Water damage can have many causes. As a homeowner in the Shelton, CT area, it’s a good idea to know what is covered by your insurance and what is not. While any type of water damage must be repaired quickly to prevent the growth of mold and bacteria, having it covered by your insurance will make the process go must faster. The agents of Goodman Insurance Inc. can help you figure out what your insurance covers and how to file a claim.
Frozen/Burst Water Pipes
The damage caused by frozen or burst pipes is normally covered by homeowners’ insurance policies. This is usually not a preventable event. The extent of the damage will be determined by how quickly the burst pipe is found and the problem is taken care of.
Faulty plumbing can also lead to water damage. In many instances, a leak or other issue may not be noticed until extensive damage has occurred. Inspecting your plumbing regularly will give you an opportunity to discover problems with faulty plumbing early and prevent water damage.
What’s Not Covered
There are several types of water damage that are not covered by homeowners’ insurance. While water damage caused by strong storms is covered, flood and hurricane damage is not. Those require separate policies. Sewer back-ups are also not covered by many homeowners’ policies.
In Shelton, CT, the agents of Goodman Insurance Inc.can help homeowners go over their policies to determine what types of water damage are covered and which ones are their responsibility. Understanding what a policy includes is important when trying to protect your home. Contact an agent today for and schedule a policy review!
Generally speaking, if you’re a responsible Shelton, CT homeowner, if you pay your premiums on time, your home insurance company won’t have any reason to drop you. But it happens. Here are some common reasons why your policy might be canceled:
- High-risk pets. Certain dog breeds and exotics, like snakes, can be a problem for insurance companies. If you’re considering adopting a new pet, you’ll want to talk to your insurer first and see what’s covered. Trying to keep a pet a secret from your insurer is not worth the headaches.
- Old roofs. It varies from insurer to insurer, but most will ask that you replace your roof every 20 to 30 years. Decades worth of water damage can add up, and the damage will be felt from the top down.
- Too many claims. You generally want to file once per term, if you can help it. Your insurer probably won’t immediately cancel your policy for filing twice in a year, but if you’re a habitual claim-filer, they’re going to eventually decide that they’re being taken advantage of.
- Your insurer is no longer covering your city. This happens all the time, and there’s not much that can be done about it. On the upside, this isn’t going to reflect poorly on you when you go shopping for a new policy, but it will leave you without protection if you don’t plan ahead.
If you’re shopping for home insurance in Shelton, CT, or if you have any questions, get in touch with us at Goodman Insurance Inc. You can visit the Goodman Insurance Inc. website, stop by the offices, or call us, and we’ll get you connected with the protection you need.
It is the goal of Goodman Insurance, Inc. to help you become well-versed in your home insurance coverage in Shelton, CT. One of your most valuable assets is your home so you naturally want to protect your home and its contents at all costs. If you have a mortgage on your home, your lender demands you have proof of home insurance. Your lender can enact forced home insurance if you do not have proof of insurance. Forced insurance is much more expensive and only pays for the home in the event it is destroyed. Forced insurance does not pay for any losses in contents. In the event the home is destroyed, your lender wants to be sure to get the money back they loaned to you. It is vital you have a clear understanding of what is and is not covered by your home insurance. Home insurance protects your home and its contents against such things as,
- Wind Damage
- Ice Damage
- Slip and Fall accidents
- Damages or injuries to other persons on your property
- Protects your financial assets
Depending on your situation we may talk with you about the need for umbrella coverage especially if you have a home-based business. We can explain this to you when we talk. It is a challenge to navigate the insurance industry and we are here to help you with your home insurance. We may be able to get you discounts on your insurance and we take care that you are not over-insured.
Risky Business, Living Without Home Insurance!
A catastrophic event can happen to anyone at any time. The key is having an excellent home insurance policy to recoup your damages. Goodman Insurance, Inc. is a seasoned, experienced, and trusted insurance company in Shelton, CT. Our agency additionally serves residents in Trumbull, Monroe, and North Haven, CT. We have a complete list of insurance services to offer you and we are experienced in all home insurance options. Give us a call today and speak with one of our licensed agents for a free no-obligation quote on home insurance. Access our website for more information and your nearest insurance agency location.
Your home is your sanctuary. It’s where you can kick off your shoes and be 100 percent your authentic self. It provides shelter from New England winters, and it’s where you make memories. For all these reasons, and more, protect your Shelton, CT home with a proper home insurance policy. The team at Goodman Insurance Inc. has put together a shortlist of three reasons why you need a home insurance policy.
1. Required for a Loan
There is no bank that exists in Shelton, CT that will give you a mortgage without home insurance. Having a loan on the house means that this asset belongs to the bank until you pay it off. Your home must be protected in order for the bank to legally issue you a mortgage.
Unforeseen events happen all the time. Fire, theft, injuries — all of these can happen on your property. With the right home insurance policy, and even added protection with an umbrella policy, you can rest assured knowing that you’re covered in the event of any disaster that should befall — small or large.
3. Peace of Mind
Having peace of mind is the opposite of constant worry. A stressed-out mind is bad for health and prosperity. Therefore, even if you own your home outright, protecting it with a home insurance policy is a small investment for peace of mind.
To learn more about purchasing home insurance in Shelton, CT, contact Goodman Insurance Inc. today. Friendly, reputable agents are standing by to answer all your questions, help you find the right home insurance policy for your needs, and help you save money in the process.
Winter weather in the greater Shelton, CT area can be pretty brutal, and now is the time to start preparing. When you have a comprehensive homeowner’s policy you can rest assured that your home is protected no matter how severe the winter is. The team at Goodman Insurance Inc. is here to ensure that you have adequate coverage for this winter season. This is also a great time to do a pre-winter inspection and make sure that your home is ready for the ice, cold, and snow!
Protect Your Home Now Before Winter Weather Starts
It’s difficult to tell exactly what winter is going to bring beforehand, and that’s why it’s always a great idea to make sure you’re ready! In addition to meeting with your local agent to review your policy for completeness, there are a few steps you can take around the house to get prepared.
- Trim back any branches near to your home or garage – high winds, ice, and heavy snow increase the chance of branches breaking and causing damage. Make sure that your trees are all properly trimmed before the cold weather starts.
- Have your roof and gutters inspected. Remove loose shingles, clear out any clogs, and make sure gutters are secured.
- Give your furnace a once-over, clear chimney of any debris, and make sure ventilation systems are ready to go.
- Drain sprinkler systems and shut them down for the season to prevent frozen pipes and damage to the overall sprinkler system.
Let’s make sure that your home insurance has the protection you need before the winter weather starts! If you are in the greater Shelton, CT area, call or stop by Goodman Insurance Inc. today and find out how a comprehensive homeowner’s policy can protect your family home.
Yes, absolutely all homes need insurance. Why? Because you never know when something could happen to your home. In some of life’s most vulnerable moments, knowing you have home insurance can provide an extreme amount of peace of mind. Here at Goodman Insurance Inc. serving the Shelton, CT area, we want to make sure that you understand the importance of having home insurance. To help you understand, we’ve put together a list of reasons why you need insurance on your house.
Lender Requires It
In most cases, if you take out a mortgage on your house, then your lender is going to require that you have home insurance. This way, if something happens to the house, you will still have money to pay off your loan. You should always speak with your lender about your insurance requirements. Regardless if you have a loan on your house, though, it’s still a smart choice to keep yourself protected with insurance.
You Never Know What Could Happen
What would you do if a natural disaster occurred or if someone burglarized your home? Would you have the funds to repair your house? With insurance, you can rest easy knowing you are protected under certain circumstances. For a better understanding of what insurance does and does not cover, always speak with an insurance agent about the specifics of your policy.
To put it simply, yes all homes need insurance. Contact Goodman Insurance Inc. serving the Shelton, CT area today. You can speak with one of our professional insurance agents to learn more about the advantages of home insurance and about creating a policy that fully covers all of your needs.
Spring in the Shelton, CT area is a great time to clear out your living space. But did you know your spring cleaning could also help lower your homeowner’s insurance premiums? Use these tips from Goodman Insurance Inc. for a cleaner, safer home this spring.
- Clean out the lint hose on your dryer. Dust and dirt get trapped in the folds. When the cycle is started, this debris can get kicked up and land in the engine, which could spark a fire.
- Change the batteries in your fire and carbon monoxide alarms. Test them to ensure they are working properly. If not, get them repaired or buy a replacement.
- Inspect the seals around doors and windows. These tiny cracks can allow harmful pathogens into your home. These can aggravate your allergies, encourage the growth of hazardous molds, or make your existing respiratory condition worse.
- Review your homeowner’s insurance policy with a professional agent to ensure you have the right coverage for your property.
- Clean or replace your HVAC filters. Keeping a clean filter protects your system’s motors and prolongs the life of your equipment.
- Have your air conditioning unit professionally serviced. This will prevent the buildup of mold in your air ducts.
- Inspect your yard for damages caused by winter weather. Repair pits, holes, and cracks in your lawn and cement to prevent accidental injury.
- Clear your gutters and rain spouts of dead leaves and other debris that can cause clogs. If left unaddressed, this can cause water to become trapped on your roof, which contributes to rotting tiles and other damage.
Goodman Insurance Inc. serves the insurance needs of residents in the Shelton, CT area. Let us know how we can help you prepare for the warmer weather with high-quality homeowner’s insurance.
Your home is likely going to be the biggest asset that you ever own. For people that are in the Shelton, CT area, insuring this asset is very important. There are a variety of situations in which you will find it is very beneficial to have home insurance in place.
When Your Home is Damaged
One of the primary situations in which you will be glad that you have home insurance is if your home is damaged. If your property is damaged during a storm or other calamity, you will receive reimbursement coverage up to your policy limit. This could also include providing you with additional reimbursement associated with costs that you incur due to your home being damaged, such as providing you with money for a hotel.
When an Accident Takes Place
It can also be very beneficial to have home insurance if there is an accident in your home. If you ever have a guest over to your property, you are taking on responsibility for their well-being. If they have to be injured at your house, you could be sued and found liable. When you have home insurance in place, you will have coverage for these situations.
If You are Robbed
While a home insurance policy will provide you with coverage for the actual property, it can also provide you with coverage for your personal belongings. In the event that you are robbed or personal belongings in your home are vandalized, you could receive direct reimbursement from your insurance company. However, it is important to understand what the limitations are and to determine whether you should get additional riders.
When you are looking for home insurance in the Shelton, CT area, meeting with Goodman Insurance, Inc. is a great option. Goodman Insurance, Inc. knows the market well and will help you get a great policy with the right level of coverage.
When it comes time to sell a home, some people are astounded by just how much (or how little) their home is worth. They may not realize that the value is the product of a million different decisions, both small and big, that the owner did while they were living there. The good news is that you don’t have to be a DIY pro to raise your resale value. Goodman Insurance, Inc. has helped the people of Shelton, CT take care of their homes over the years. See how the right home insurance can be the key to getting the price you want at the time of sale.
The Impact on the Home
Ultimately, home insurance makes it easy to take care of everything right away. So if kids broke a few of your windows while you were out of town or a storm took off several shingles on the roof, you have a way of fixing it all when it happens. Putting it off not only makes the home less attractive, but it also makes it more likely the home will suffer additional damage because the integrity of the structure has been threatened.
The Impact on the Neighborhood
The better a neighborhood is taken care of, the more likely it is for property values to go up. While a homeowner can’t control what their neighbors are doing, they can make an effort to keep up on their own property. This type of conscientiousness can encourage other people to do the same. If you think you may need additional home insurance in Shelton, CT, it may be time to give Goodman Insurance, Inc. a call for additional information. Let our staff provide you with the information you need to make the right decisions for your property!
Home insurance offers coverage on a "named hazards" and "open dangers" premise. A "named risks" approach is one that gives scope to a misfortune particularly recorded on the arrangement; if it’s not recorded, at that point it’s not secured. An "open hazards" approach is more extensive as in it will give scope to all misfortunes aside from those particularly rejected on your arrangement.
Goodman Insurance, Inc. in Shelton, CT insures against dangers such as:
- Proprietors: To ensure both your home and individual property, a policy protects you against monetary misfortune if you are sued and discovered lawfully in charge of another person’s damaged possessions or property and will also cover hospital expenses for people harmed on your property.
- Family and Guests: Liability issues may arise which you are sued. Home insurance can cover the liability issues that stem from family and guests.
What does Homeowners Insurance Cover?
In a rundown, a homeowners policy covers you for:
- Dwelling – Pays for harm or destruction to your home and joined structures, for example, a screen fenced area or garage
- Other structures, for example, a carport, deck or swimming pool
Personal Property – Covers the belongings of your home, including furniture, garments, and possessions on the off chance that they are stolen, harmed, or destroyed. Pays for extra everyday costs if your house is uninhabitable because of a misfortune
- Third-party suits for individual/property harm and the legitimate costs
- Can incorporate criticism and slander
- Dog bites
- Guests harmed at your premises
Call Goodman Insurance, Inc. in Shelton, CT for more information concerning home insurance. Also, try our online rating tool for quotes on home insurance from your computer.