Category Archives: Homeowners Insurance

Insurance Questions for Winter Weather

Winter Insurance Q & A’s

Depending on how you look at it, January through March can be a winter wonderland or the most dangerous time of year. Cars skidding on icy highways, snowy roofs caving in. . . If you want to enjoy the winter, just make sure you have the right insurance coverage. Below we’ve compiled some of the most common winter insurance Q & A’s to help you navigate this slippery season!

What winter damages am I covered for? Usually, standard Homeowner policies cover things like flooding from melting snow, roof damage from the weight of snow, frozen pipes, falling trees, high winds and temporary relocation due to a power outage. You should call your insurance company to find out exactly what coverages you have.

What happens if someone falls on my icy driveway?  After a storm, you haven’t had time to get outside and salt your driveway. Then a delivery person slips and falls on your property and threatens to sue you. What are your options? First, make sure you have Liability coverage in your Homeowners Insurance policy. This will help cover medical and/or legal costs in the event someone has an accident on your property.  Remember, Liability coverage differs from Personal Property coverage. Liability protects you in case of lawsuits, while Personal Property covers you for stolen or damaged belongings, including jewelry or furniture.

Winter is causing serious damage to my house, from ice dams to burst pipes. How do I know if I’m able to make a claim? Odds are, your Homeowners policy will cover things like this. However, if your insurance company believes you’ve neglected to properly maintain your home, they may not cover some things. For example, to keep pipes from bursting, you should keep the heat on, or let your faucets drip slowly at night so the water won’t freeze. Taking good care of your roof and applying effective insulation will help prevent ice dams from forming. If you haven’t done some of these things, you could be considered negligent, and your claim denied.

How soon do I need to contact my insurance company? As soon as you realize you have damage to your house caused by winter weather. Call immediately, so too much time won’t pass after the storm.

What if someone steals my car while it’s warming up? We all do it. It’s freezing outside, and we’d like to get the engine, and mostly the heat, revved up before we have to go. Yet during the winter, car thieves are trolling driveways to see if a car is unattended. If your vehicle should get stolen, you can replace the cost of it with Comprehensive Auto Insurance coverage. Comprehensive is the way to go, especially for accidents caused by natural events, too, like a tree branch cracking your windshield in a storm.

What if I skid off the road and land in a ditch? Before winter comes, check that you have Roadside Assistance included in your coverage. This will enable you to call for a tow truck, instead of having to be stranded in a major snow storm. It will also be helpful in case your car battery dies.

Zawada Insurance Agency is your all-in-one resource for helping you find the right coverage for you and your family. We’re a family-owned and operated independent insurance agency, working to get you the most comprehensive coverage at a competitive price.

For more information about auto, life, homeowner and other insurance coverages, please contact Zawada Insurance Agency today.

Zawada Insurance Agency, Inc. located in Worcester, Massachusetts, serving central Massachusetts and beyond.

How Winter Affects Your Home Insurance: Top 4 Tips!

Winter can be a tricky time, especially for home and auto insurance policies. But if you follow some of these safety tips, it can make things easier for you, and less likely for your deductible to be raised.

  1. Rake your roof!

When the first snowstorm hits, and you’re done shoveling the driveway, make sure you don’t neglect your roof. Roof rakes can be purchased in most hardware stores. They’re long tools that help you scoot excess snow to the edge of your roof and away from the center. If you don’t rake your roof when it snows, you could end up with so much heavy snow that your roof will cave in! As we said in a previous blog, Homeowners Insurance won’t cover damage that is the result of poor maintenance, so you could pay a heavy price.

For further prevention of cave-ins or leaky roofs, you could replace your roof before winter storms start blowing in. This is especially necessary if you have an older home and / or need roof repairs.

  1. Cut down problem trees.

In a standard Homeowners Insurance policy, you’ll be covered for damages caused during storms. This covers damage to your home or related structures, including detached garages. However, some trees in your yard can pose a threat when a major winter storm hits. For example, if you have a tree that could fall into your neighbor’s yard, or if it’s a tree that falls on your own property—you’ll be responsible for the cost, either to the neighbor or to have the downed tree removed. Another issue to consider is the proximity of a tree to power lines. In some winter storms, heavy wet snow can cause a tree to bend to such a degree that it affects power lines. These are all good reasons to consider having certain problematic trees removed from your property.

  1. Get your snowmobile insured!

Snowmobiles are considered high-risk machines. There are more than 200 deaths and approximately 14,000 accidents caused by snowmobiles every year. When getting insurance for your snowmobile, look up the laws in your state, because some require you to get insurance, while others don’t.  The types of coverage you can get include comprehensive, collision, bodily injury and property damage. You’ll save money if your snowmobile has additional safety features, too.

  1. Make sure you have comprehensive coverage for your car.

During this time of year, comprehensive coverage—including collision and liability—comes in handy if you get into an accident that’s caused by slippery roads or anything weather-related. This may include a snow-covered tree branch falling through your windshield. It will cover you if you have to be on the road, even during a state of emergency. It will even cover you if someone steals your car while it’s warming up in the driveway! Be sure you also have roadside assistance in case you get caught in a severe storm and have to abandon your vehicle to be picked up later.

For more information on which types of insurance are right for you, please contact Zawada Insurance Agency. We work hard to give you comprehensive coverage at a competitive price.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

Repair Your Roof: How to Prevent Water Damage to Your Home

Your Homeowners Insurance policy most likely covers various types of water damage. If you live in New England, your house is subjected to wind-driven rains, melting snow, and other weather conditions that can make the exterior vulnerable to rot and mold. What your policy doesn’t cover, however, is water damage that is caused by poor maintenance. For example, if your gutters are overflowing or your roof is leaking, don’t expect your Homeowners Insurance to cover that. This is why you need to constantly maintain your roof and home exterior. Check it regularly and make repairs as needed.

Areas that are particularly susceptible to water damage are the eaves just under your roof.

The Purpose of Fascia and Soffits

The fascia is the horizontal band at the end of your roof rafters. The soffit is found under the rafter tail. While these pieces create visual, architectural interest, they are also very practical. They protect the exterior of your house from damage when wind and rain blow upward. They also help to keep out unwanted animals such as birds and squirrels, AND they provide a nice cover for your attic vents. But if your fascia and soffits aren’t properly maintained, water will likely collect in that eave area.

How to Check and Repair the Fascia and Soffits

When you inspect and clean out your gutters, once a year, you should also take a look at the fascia and soffits to check for peeling, areas of wood rot, and any other potential problems. If there is rotted wood underneath, you’ll need to completely replace all the fascia and soffits. However, if you see only one or two areas that might be compromised, you can fix them by caulking and sealing the areas.

Should you need to replace your fascia and soffits, you should choose a material such as vinyl, an increasingly popular choice for this area under the roof. Vinyl has proven to be more durable and is aesthetically appealing, able to blend seamlessly with most home exteriors. Unfortunately, many older homes have fascia and soffits constructed of wood, which is very likely to decay after a few rough winters in New England. One spring, a homeowner heard a pecking sound outside and found a woodpecker trying to make a home in the soft wood underneath the roof! That’s when you know it’s time to replace the fascia with a tougher material that can not only withstand the weather, but also not create a hospitable environment for birds!

Aluminum is another popular choice when replacing your fascia and soffits. They won’t peel or rot, and will last many decades.

Whichever material you choose, it’s best to go with something that will last a very long time, because you don’t want to have frequent repair and replacement costs. In the long run, it will also save you money, because you’ll be preventing damage that Homeowner’s Insurance won’t cover.

So be sure to check your roof, fascia and soffits before winter hits. That way, you can rest assured that your home is protected.

And be sure to consult the professionals at Zawada Insurance Agency to go over your insurance needs. We’ll help you get the right insurance coverage for your home, car, boat—and offer you bundling options that may save you money.

Talk with us today!

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

Fire Safety: Prevention Tips to Protect You and Your Family

If you’re a homeowner, comprehensive insurance coverage usually includes damage caused by fire. But it’s always good to double-check that this is covered. If you’re looking for a low-cost alternative, you could get dwelling fire insurance, which is cheaper than traditional policies. If you rent a house, particularly a historic or older home, or if you own a seasonal rental property, you could be eligible for dwelling fire insurance. You also might be eligible if you’re a landlord of a multi-family home.

A fire disaster is one of those events that you hope never happens, but hopefully have planned for when you buy insurance coverage. At the same time, it’s good to be prepared ahead of time, because it’s better to prevent a fire than to have to deal with the consequences and damage caused by one. Here are a few fire safety tips to keep in mind:

Have a family action plan.

Know where all of the exits are and have a plan as to how each family member will escape in the event of a fire. Even if you live by yourself, know how you would escape and how you’d save your pet if you have one. Be able to leave your house within two minutes, because that might be all the time you have. Practice your fire escape plan with your family at least twice a year.

Make sure your electrical system is up to code.

If you’re a landlord, you don’t want to have to worry that your building may not be covered after a fire because you were in violation of safety codes.

Test your smoke alarms.

You should have smoke alarms on every level of your home, in every bedroom, and outside of sleeping areas.

Make sure all fire alarms in your home are checked and tested every month and batteries replaced at least once a year. Every 10 years you should have the whole system replaced.

Eliminate household hazards.

Very often fires are caused by the smallest things, such as a cigarette burning on a couch, or an appliance that wasn’t turned off. If you get into the habit of being fire safety conscious, you’ll be able to prevent a fire. For example, when you cook, always make sure the stove and oven are off when you’re finished. If you use appliances when you get ready in the morning, such as a hairdryer or curling iron, be sure to unplug them. If you light any candles, make sure they are all blown out before you go to sleep or leave your house.

During winter, there are added dangers with space heaters. Never place a space heater too close to furniture, curtains or anything that could catch fire. Never leave the room where a space heater is operating, and always make sure you shut it off and unplug it when you’re done using it.

Following these tips could save your life, as well as protect your home from fire damage.

When shopping for homeowner’s insurance, be sure to contact the professionals at Zawada Insurance Agency to understand all of your options and choose the policy that’s right for you.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

Is Your House Ready for a Hurricane?

How to Prepare for Severe Weather

Did you know there is an average of 11 tropical storms a year, and six of these turn into hurricanes? When most people think of hurricanes, they think of places like Florida and tropical regions. But we’ve had our share of hurricanes, making their way up the coast of New England. If a hurricane in the Atlantic comes near Massachusetts, it’s likely to affect the Cape and the islands. But in addition to causing beach erosion and other structural damage, hurricanes can affect areas that are hundreds of miles inland. That’s why it’s important to make sure your home and property are protected in case of severe weather.

If your house is located in a flood zone, and in some cases, even if it isn’t, you should consider getting flood insurance. This is because most homeowner’s policies don’t cover any damage caused by flooding from a hurricane.

Before a storm hits, make a list of your possessions—outdoor and indoor items—patio furniture, appliances, etc. This will assist your insurance broker if any items need replacing after the hurricane.

Outside Preparation

If you live near the coast, it’s a good idea to install storm shutters. If you have them, make sure they are in good condition. If your windows aren’t made of hurricane glass, you may want to replace them so they’ll have the strength to withstand the winds of a bad storm.

You may need to reinforce your roof with gables, hurricane straps, braces and brackets.  Also secure all windows, doors and garage doors. Make sure your rain gutters are secure and that there aren’t any areas clogged with debris.

Next, bring in all outdoor items, such as patio furniture, toys, etc., anything that can be turned into a projectile during a strong wind. Other potentially dangerous things include broken tree branches, loose fencing—anything in your yard that isn’t secured.

Inside Preparation

Make sure you have a hurricane preparedness kit. This should consist of flashlights, batteries, a radio—anything that can keep you in contact with local news. You should also stock up on water in case drinking water isn’t available for a while after the storm. Sometimes, when news of a hurricane comes, people panic and go to the store, clearing out all available jugs of water. Here’s a tip: If the shelves in the beverage aisle are empty, try the baby aisle. There are gallons of water that are just as good for drinking, but often people don’t think to go there, so you can usually find some. Also, you can fill your bathtub with tap water just in case.

Other items in your kit should include non-perishable foods, such as canned goods and a manual can opener. Be sure to have medication for family members, as well as pet food if you need it.

Keep valuable items, such as legal documents and family heirlooms, in protective coverings on a high level inside your house, in case of flooding.

Last but not least, if you can afford it, buy a portable generator, so you won’t have to lose power when power lines go down. If you get a generator, practice safe handling and keep it outside, at least 20 feet away from your house’s doors and windows. Finally, never plug your generator into a wall outlet in your house.

At Zawada Insurance Agency, we’ll help you shop around to find the best deals on car, home, and other types of insurance.  Please contact Zawada Insurance Agency for details.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

How To Lower Your Insurance Risks

Are You a Landlord?

How To Lower Your Insurance Risks

Owning an apartment building can be an exciting venture and wise investment. But it does come with its share of responsibilities.

Make Sure You’re Covered

As a landlord, you can be vulnerable to liability claims by tenants and / or contractors doing work on your property. And it isn’t just things like property damage or bodily injury, either. Of course, you want to make sure your property is as safe as possible to reduce the likelihood that someone could slip and fall. In past blogs, we’ve talked about making sure you have coverage for theft, vandalism, storms, fire, acts of nature, flooding—all necessary coverages.

But there are other liability issues you may not have thought of.

For instance, Advertising Liability encompasses things like libel and slander. In this age of social media, be especially careful about what you post. If you make a reference to a competitor in a negative way or repost an unflattering image of someone without their permission, you could be at risk. You also need to be careful of any advertising that misrepresents your property.

What Things Can You Be Held Liable For?

Here are just a few of the things that you, as a landlord, could be held liable for:

  • If your negligence caused an injury.
  • If asbestos is discovered, and you didn’t take steps to contain it, and a tenant becomes sick.
  • If old plumbing isn’t replaced, and a leak damages a tenant’s property.
  • If there is a break-in because of little or no security—broken locks, poor lighting, etc.

How Landlords Can Save on Liability Costs

There are several things that you, as a landlord, can do to ensure that you lower your risk of liability claims. First, make sure that all electrical and gas appliances and lines are in good working condition. Fix any plumbing leaks and do a thorough inspection of pipes. This is not only to prevent flooding, but also mold, which can result from trapped moisture. Do a thorough maintenance check before a tenant moves in and include all of these things, as well as anything that could be a potential fire hazard.

For security purposes, provide a good amount of outdoor lighting at night. Install peep holes in every door. Have all sidewalks and parking lot area cleared of snow and ice after a storm.

As a protection for yourself, keep all communications with tenants in writing. If something is ever disputed and you have to go to court, you’ll have it all on paper. Also, never enter a tenant’s apartment unless it’s an emergency, such as a fire. And don’t discriminate against a potential tenant based on things like race or religion, etc.

Last But Not Least. . .

Check what discounts may be available for making enhancements to your property. Don’t make the mistake of reducing your coverage to save a few bucks. In the long run, it’s better to have a higher deductible, so you’ll get a lower premium.

Zawada Insurance Agency is your go-to place for home, auto and other types of insurance. Please contact Zawada Insurance Agency for details.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

Homeowner’s Insurance DO’s and DON’Ts

What You Need to Know

How do you know if you have enough homeowner’s insurance? How can you save money on your insurance? Are there hidden costs to look out for when choosing insurance? For many people, homeowner’s insurance can be mysterious and sometimes complicated. So here we’ve compiled some of the most important Do’s and Don’ts that can help save you money.

DO shop around when trying to find the most affordable Homeowner’s Insurance.

It’s not only important to consider all your options, but also to consider bundling your home, auto and other types of insurance. Sometimes bundling will help you to get a lower rate.

DON’T expect your Homeowner’s Insurance to be based on the real estate market value of your home.

In fact, your coverage will be based on what it would cost to rebuild your house. The cost can vary, so be sure to contact an insurance agent.

DON’T buy an older home.

Your insurance company will look more favorably on a newer home because the risk level is lower. For example, the wiring is likely to be in good shape and thus, safer. Also, the pipes will be in better shape, which can prevent flooding. Insurance companies are always looking at ways to reduce the likelihood of too many claims being made. So if possible, a newer home is the way to go.

DO choose a home in a safe location.

Good security will help keep insurance costs down. Choose a home in a gated community or in close proximity to the fire department. If you live out in the country or in a very remote area, your insurance costs may be higher.

DO make sure your Homeowner’s Insurance policy covers flood, earthquake and other natural disasters.

These policies don’t automatically cover these things. Believe it or not, most policies don’t cover types of water damage. It’s up to you to make sure it’s included.

DO use Homeowner’s Insurance to cover tractors and garden equipment.  

Many people assume these items fall under Auto Insurance, but they don’t. In fact, you’d be surprised how many things are covered under Homeowner’s Insurance. It’s not just about your home. Homeowner’s Insurance Property Protection covers other buildings that aren’t necessarily attached to your home, such as a detached garage, a barn or storage shed, patios, fences and other things.

DON’T expect your insurance policy to cover an unhealthy tree that falls in your yard.

If you have a tree that was rotting due to neglect, and it falls on your property, this is considered a maintenance issue on your part. And the insurance company would not pay for it. If a tree falls in your yard and doesn’t cause any damage, you should expect to pay for the cost of removing it yourself. This is not covered by the insurance company.

Contact Zawada Insurance Agency for all of your auto, home, boat and other insurance needs.   

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

 

Lower Your Homeowner’s Insurance – Part 2

Surprising Ways to Get Better Deals! 

In our last blog, we talked about some ways to save on your homeowner’s insurance. Believe it or not, there are still many more, some of which are lesser-known credits offered to homeowners just for doing some very simple things. Read on to find out how you can benefit—and save big on your new home!

Keep Your Homeowner’s Insurance Costs Low:

Did you know that homeowner’s insurance rates can vary as much as hundreds of dollars? That’s why it’s worth it to 1) shop around, and 2) research all of those hidden factors that can help to keep your costs down. If you haven’t already, check out Part I of this blog for helpful ideas. And here are more things you can do:

Consider raising your deductible. The deductible is the amount you have to pay before your homeowner’s insurance kicks in. If you can afford it, consider raising it as much as your budget will allow, because the higher your deductible, the lower your monthly premiums.

Try bundling your insurance policies. Often an insurer will give you a break if you purchase at least a couple of policies from them, such as home and auto. They could give you a deal from anywhere between 5 to 15 percent. But as with everything else, be sure to do your homework. If you shop around, sometimes you might discover that purchasing your policies from different insurers will actually cost less.

Be a loyal customer. Some insurers will give you special discounts, anywhere from 5 percent or more, just for being a customer for five or more years. As we mentioned above, still check your rates against those offered from other companies to make sure you are still getting the best deal each year.

Don’t file many claims. This is true for all types of insurance companies. The less they have to pay, the more that savings may be passed on to you. It doesn’t count against you if you have damage from a weather event, but if your claim involves theft or possible flood damage, be sure to get a contractor to your house to get an estimate, just to prove whether or not you’ve passed your deductible.

Maintain good credit. Like we said about auto insurance, your credit history does affect your rates. So always pay your bills on time, keep your balances low, and pay them off quickly. Also, check your credit to make sure there are no errors that could negatively impact your credit rating.

Take advantage of 55+ discounts. If you are a mature homeowner, there are insurance credits available. The reasoning is this: when you are a young adult, a working professional, you’re away from your house a lot during the day. If something should happen—a gas leak, a burst pipe, fire—you’ll be gone and won’t know about it until possibly a great deal of damage has occurred. If you’re of retirement age, you tend to be at home more often, and can immediately address any issue before it becomes a disaster. So ask your insurance company about giving you a break!

At Zawada Insurance Agency, we’ll help you shop around to find the best deals on car, home, and other types of insurance—including bundling, if it helps you to save more.

Please contact Zawada Insurance Agency for details.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

Lower Your Homeowner’s Insurance

Ways to Get a Better Deal On Homeowner’s Insurance – Part I

Spring is a time for starting fresh. And for some, it means getting a brand new home. Before you embark on this exciting new adventure in your life, check out some of these ways to lower your costs on homeowner’s insurance. Following these guidelines can help you enjoy your dream home, without breaking your budget.

Top Tips to Keep Homeowner’s Insurance Costs Low:

Remember, it’s worth it to shop around for the best rates on homeowner’s insurance, because rates can vary as much as hundreds of dollars! Here are a few things you can do:

Buy a newer home. Your insurance company can relax if your home is brand new, because the wiring is likely to be in good shape, along with pipes and other things that tend to be bigger issues in older homes. For example, there are many reinforcement materials available for roofing, and a newer home is likely to be built using these. This will protect from severe weather events. You may spend more if the home is new, but you’ll likely save on your premiums as a result.

Give your older home a facelift. If you’ve purchased an older home, it’s a good idea to do updates wherever possible. Make sure the plumbing, electrical wires and heating units are up-to-date. This will reduce the risk of damage caused by water, pipe corrosion and fires. Did you know that old wiring is the biggest fire concern for insurance companies? According to the U.S. Fire Administration, old wires cause twice as many fires as electrical appliances! So the cost of updating your home—wiring and pipes especially—will be rewarded in a lower homeowner’s insurance bill.

Consider the location of your new home. Like realtors always say, it’s all about the location! In this case, insurance companies love it if your home is in a gated community. That adds to your security in a way that just having a security system doesn’t. Also, if you’re located in close proximity to a fire department, and not out in the middle of nowhere, you’re likely to be considered safer to an insurance company.

Protect your home from natural disasters. This depends on where you live, of course. Some states have special regulations concerning things like earthquakes and tornados. There may be requirements that your house is built to withstand certain types of weather events. But if not, there are things you can do to make your house as safe as possible—and as a result, more attractive to your insurance company. For example, if you live in an area that is prone to windstorms, consider purchasing storm shutters or materials to strengthen your roof and other structures that may be attached to your house.

There are still more secrets to saving money on homeowner’s insurance. Check back because we’ll have Part 2 of this blog coming soon!

At Zawada Insurance Agency, we’ll help you shop around to find the best deals on car, home, and other types of insurance—including bundling, if it helps you to save more.

Please contact Zawada Insurance Agency for details.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

Homeowners Insurance: What’s Covered Outside?

Autumn is in the air, which means all kinds of volatile weather—windstorms, rain, eventually snow. Now is the time to think about your Homeowner’s Insurance and whether or not you’ll be protected in case of events beyond your control.

Windstorm Damage

The basic homeowner’s insurance policy provides coverage for various “perils.” One of these is windstorm damage. In Massachusetts, the weather can be very volatile as a new season settles in, with gusty winds and heavy rains. So this coverage is important to know about.

Falling Trees

Many homeowners are confused about what is covered when it comes to a falling tree. We’ll try to clear that up here. When a tree falls on your property or your neighbor’s, who pays for the damage? The short answer: It depends on what caused the tree to fall.

For example, because wind damage is a typically covered peril, if a healthy tree falls on your property due to wind, a standard homeowner’s insurance policy will likely pay to help repair damage done to your home or other structures on your property. However, if the tree was neglected and rotting, this would fall in the maintenance category, and your insurance company would not cover damage done to your house.

If a tree falls in your yard and does NOT cause any damage, you’ll most likely have to pay for the cost of removing it yourself.

If your tree falls on your neighbor’s property, or your neighbor’s tree falls on your property, the law in Massachusetts says that the one whose property was damaged will need their insurance to cover it. For example, even if your neighbor’s tree is the one that did the damage, your insurance will have to pay for it. And visa versa.

The only time you’d be responsible for your tree falling in your neighbor’s yard is in cases of neglect. If you didn’t take care of a rotting tree and it falls on your neighbor’s property, you are held responsible. But if a windstorm knocks over an otherwise healthy tree that belongs to you, and it falls in your neighbor’s yard, your neighbor will have to file a claim with his insurance company.

Deductibles and Coverage

You need to understand that you’ll most likely have to pay your deductible before you can expect your insurance company to pay for any covered losses. Depending on your policy, there are coverage limits, too. It’s good to understand what your policy says before you need it!

Other Structures On Your Property

Homeowner’s Insurance Property Protection covers other buildings or structures that aren’t part of your main dwelling. These may include a detached garage, storage shed, barn (not used for business), driveway, fence, patio, and other similar structures. A standard policy may only cover 10% of your main home coverage. If you do the math, a detached garage is usually worth more than that. So it may be desirable for you to get additional coverage for other structures on your property, in case you need to replace the cost of them. If your neighbor’s tree falls on your detached garage during a windstorm, you may wish you had additional coverage!

Homeowner’s Insurance policies can seem confusing. It’s a good idea to meet with consultants like the professionals at Zawada Insurance Agency to go over your needs. We’ll help you get the right insurance coverage that includes everything you need—and nothing you don’t.

Talk with us today! You can reach us at (508) 831-0133.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond