Abram Interstate Insurance Services, Inc., CMGA

Helping Independent Insurance Agents Since 1996

Spring Cleaning | Tips for your Homeowners Insurance Customers

Published on May 3, 2016

Spring and summer are common times for your potential insurance customers to buy new homes. As we start the month of May, many people are already planning their moves as the kids will soon be out of school. With their new home, they’ll need a new Homeowners Insurance policy.

That’s where you come in as their helpful insurance agent.

With the changing insurance markets, sometimes things like pools, diving boards, trampolines, and dog breeds make a difference in whether a specific homeowners risk will be covered. When you work together with our expert personal lines account managers, you can find the gaps in coverage, and find what options are available to cover those gaps to get your customers the best homeowners insurance for their needs.

Learn more about Wholesale Homeowners Insurance with Abram Interstate at the end of this post below.

When it comes to the most common types of claims for Homeowners Insurance policies, the list is varied, but there are things your customers can do to prepare for and/or prevent these potentially common claims. Whether they’re moving into a new house, or their just doing their annual spring cleaning, pass on these tips from Money Magazine to avoid the most common homeowners claims:

Wind Damage

Look around your property to see what could possibly land on the roof (or your car or your pool while you’re at it).  “Make sure that trees are properly trimmed and that dead trees are removed,” he said—and that goes for any of your neighbors’ trees that hang over your property, too.

Water Damage

There are several upkeep and maintenance items you can check on your own to prevent water damage. Make sure the caulking around bathroom fixtures is intact, check for cracks or wear in washing machine hoses, and watch for leaking valves or flappers in toilets. And make sure you know where the main shut-off valve for your home’s water supply is located, Humphrey advised.

Outdoors, he said, “clear debris from exterior drains and gutters and repair damaged gutters and downspouts” to assure that water can drain safely away from the foundation. Examine the caulking and seals around windows to see if they are tight and not weathered or cracked.

Fire Damage

Many fires are caused by faulty or damaged wiring. “Checking the wiring is important whether the home is old, recently renovated, or is newly built,” Kong said. You’ll need to hire an electrician to do this, but a step you can take on your own is to check the wires outside your house for signs of damage caused by animals. “Mice and other rodents often chew on electrical insulation.” In the kitchen, keep the area around your range and oven clean.

Theft

Theft is responsible for 6% of homeowners insurance claims. If you’re going to be away from home for a while, get a neighbor to grab your mail and invest in timers to make it look like you’re home, said Molly Barber, vice president of property claims at Liberty Mutual Insurance.

Read the full article HERE.

Wholesale Homeowners Insurance with Abram Interstate:

A+ Rated, Admitted & Non-Admitted

Preferred and Standard coverages are available for owner occupied homes with limits from $100,000 to $50,000,000. Credits are available for higher deductibles, burglary and fire protection. Condo and renters coverage available if written as a package with an auto policy.

A small sample of homes that may be eligible:

  • Preferred Homes
  • Standard Homes
  • Homes with losses
  • Fire Classes 8, 9, & 10
  • Designated Brush Areas
  • Older Homes
  • Home Day Care coverage available

Quote Online Today!

Or Submit Your Homeowners ACORD Form to apps@abraminterstate.com

Chat with us online now for eligibility requirements or a brush check.  Flexible Payment Options Now Available.


 

Abram Interstate Insurance Services, Inc. is a California wholesale insurance broker (CMGA) that has licensing and expertise to place business in both admitted and non-admitted markets for personal lines insurance and commercial lines insurance in California and surrounding areas.

Quote Online Today.