Mortgage Payment & Insurance
Is Homeowners Insurance Included in the Mortgage Payment? Homeowners insurance is not included in your mortgage payment, unless it is escrowed. Today, creating an escrow account that covers your mortgage payments, your home insurance and even your property taxes is common practice. Additionally, your mortgage insurance is typically included in your mortgage payment. This is paid if your loan exceeds 80 percent of your home’s value. Mortgage insurance does not insure your home. It insures the bank if you default on your loan.Is ...
Think twice before cleaning your own gutters. I am not good on a ladder. If you work on one every day it is one thing. But, if you are neverr on a ladder don't take the chance of injury. Instead hire a reputable gutter cleaning service to take care of that for you. It is worth it!
Temperatures are high across the south. Drink water - atleast 8 glasses a day. Make sure your car cooling system is in good condition. Check with Modern Family for your automobile insurance review
Read Your Policy
Did you know it is a good idea to read your policy? Atleast glance over it and develop a few questions. Call your agent and ask for some answers. This gives you a good idea how up to date your agent is and also goes a long way in holding down misunderstandings. I'm often asked the rating of a insurance company. And folks do all kinds of research on a company. I think it is more important to ask your agent a few tough ...
Do you have towing coverage on your auto insurance? Most people will answer yes. But, what does that mean? Here are some variations of towing insurance for auto insurance. You can see it varies widely. What do you have? $50.00 flat payment per towing event $100.00 flat payment per towing event Usual and customary up to 15 miles. Usual and customary up to 100 miles There are more variations. I tried to his the important ones. Learn what you have before the tow truck arrives. Or you may help ...
Trim The Hedges
Before summer gets too far along take some time and trim the hedges and trees close to your house. This can save money on your home owner insurance. Over grown shubs can invite unwanted guests. For best property insurance rates keep over hanging limbs cut away from the roof area. Taking just a few small steps can make a big difference at renewal time.
Do You Have A Tree Near Your House
Have you seen those trees that have big roots? Some run along the ground on top? They can break up your driveway or sidewalk. If those roots cause your sewer or septic tank to back up into the house you may not have coverage. And, if you do it may only be minimal. Check your policy for "water backup." This is not to be confused with broken plubming pipes which are usually coverage. Make that important check today!
Work Comp For Restaurants
If you own a restaurant or have a freind or family member who does contact us about work comp. We are offereing a special work comp plan that allows restaurant owners to save on their premiums plus pay only only for your monthly payroll. We look forward to hearing from you.
Tools Available to You
We have so many tools available to our customers that would have been impossible a few years ago. We have online checking of claims and billing status, pay online, voice mail, cell phone, text and the list goes on and on. Talk to us about tools avaible to you to help you with service for your insurance.
My boat was stolen and now my insurance company will not pay the claim on my homeowner's policy. Can they deny my claim? Theft to watercraft, including furnishings, equipment and outboard motors, are typically excluded if the theft occurs outside your residential premises. To adequately cover your boat and its accessories, you should contact your agent regarding a separate policy covering the boat. There are some exceptions to this rule and the best way to be sure is to ask your insurance company for ...
Most o us have been caught in a quick down pour of hail. Those ice chips careening down from the clouds can be quite scarry at times. I found this fact and thought it was interesting to pass on: Did you know the average hailstorm lasts 5 minutes, but damage totals about $1 billion a year, according to the National Weather Service?
Check Your Roof
Replacing a roof on your house can be very expensive. Good maintenance is important. If your roof is over 10 years old and has not been inspected. I think it would be a good idea to have your roof inspected by a professional roofer. We have some good roofing companies that we can recommend. Get your roof inspected before it is too late and a costly leak develops.