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Westchester County Homeowners Insurance: High-End Home Insurance

Westchester County Homeowners Insurance: High-End Home Insurance You own a home; you need any standard home insurance policy right? Not quite that simple. For one thing, it is essential to know the value of your coverage. Homeowners’ policies may cover fire damage and theft, but their loss limits typically fall way short of the necessary range. Insuring luxury and high end homes requires a more carefully constructed home insurance plan than a standard house. High end homes often boast fine luxury features, extraordinary craftsmanship, technology, and expensive furnishings that could be extremely costly to repair or replace if damaged. When insuring your high end home, you want to take the time to thoroughly evaluate the property with your insurance agent. The cost of materials, fine art, jewelry, furniture, technology; everything should be analyzed and assessed. Often times, the program in place can have either duplicate or too much coverage, or not enough coverage. You want a comprehensive policy that represents the true value of your home and its content. A strong high end home insurance policy requires a thorough fact-finding and replacement cost analysis of your home. The policy should also reflect any exposures that could increase your liability, such as swimming pools, and tennis or basketball courts, so that if someone is injured on your property you are covered. Other factors that might be considered are excess flood insurance, incidental business coverage, identity theft, and if a structure needs to be rebuilt to “green standards,” to make sure you have the exact coverage your home requires. If you employ a staff, there may be a need for employment practices liability insurance or workers comp insurance. At A.J. Benet, we understand the intricacies of insuring high-end luxury homes. We will work with you to make sure you have a comprehensive homeowners insurance policy that ensures you and your family have the best protection. And in the event of a loss, you can be assured that a team of adjusters is available to you 24/7. Contact us today for more information about our Westchester County Homeowners Insurance.

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Westchester County Home Insurance: Keeping Critters Out

Westchester County Home Insurance: Keeping Critters Out Housing developments in former woodlands often have to contend with the areas previous residents. Squirrels, insects, raccoons, deer, and rodents all coexist with homeowners, often to the owner’s discontent. Westchester County Homeowners are looking for new ways to evict their unwelcome guests. According to the Wall Street Journal, about 30 percent of Americans used pest-control services last year, up from 20 percent in 2004. For animals, the suburbs is a win-win. The landscaping in suburbs, buffet line of garbage cans, and supply of food in the pantry are all enticing prospects for animals looking for a bunk. But the damage from critters can be significant. Deer forage your foliage and landscaping, raccoons ravage the garbage, and rodents including squirrels, rats, and mice chew their way into the house, damage soffits and electrical wires in the process. The threat of rabies and excrement from wild animals also raises health concerns. A rodent or animal infestation issue isn’t typically a reflection of the house’s years or cleanliness. In fact, sometimes newer houses are often the problem, being built with gaps allowing rodents to get in even when there isn’t a crumb in sight. Dangerous chemicals pose risks to homeowners, especially if they have pets or children. But there are other steps homeowners can take to rid themselves of unwanted house guests (at least the furry kind). Reinforcing houses, examining every nook and cranny to ensure there aren’t any construction gaps is one of the best ways to insure your house is fortified. Homeowners should check their dark garages and basements on a sunny day, looking for any hidden animals. Worn weather stripping around doors and spots where the cables runs through the wall are common entries for animals. And of course, if the problem persists and interferes with your daily life, it is best to hire an exterminator.

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How to Cope with Stress at Home

How to Cope with Stress at Home Our jobs are stressful. With endless amounts of paper work, harrowing deadlines, overbearing bosses and coworker spats, the daily grind can be pretty stressful. Without a doubt, work is one of the number one causes of stress. But what about when you head home? Home is our escape, our sanctuary. But, home life can be just as stressful as work. Job losses, economic difficulties, and conflicts with spouses or children can make a home incredibly tense. Stress at home can disrupt your daily routine and affect your mood and relationships with others around you. While it is unavoidable, there are tactics you can take in the home to manage stress. Declutter. Twice a year, schedule a time to go through everything that has accumulated in your home. Throw out clothes the kids have outgrown, file away that stack of papers. You will feel much better walking into a clean, de-cluttered space. Don’t let the small things build up. Every night, take the time to pick up that book you were reading or clean the plates in the sink. If you take care of small, menial chores little by little, it won’t pile up and overwhelm you. Let the light in. Natural light is an instant mood booster. Open the windows wide, and take away the blackout curtains so you get the maximum amount of natural light. Healthy snacks. A healthy diet can help reduce stress. Not to mention you feel better and have more energy to tackle those daily tasks. Designate a calm space. Find one room, or spare corner to call your own. Decorate it with personal mementos and things that make you happy. Disconnect. Turn off smartphones, tablets, iPads, iPods, the television, laptops, and every other technology gadget you have in your possession. Designate quiet time for you and your family. No email, no television, no texts. Even if it’s just during dinnertime, shutting out technology for an hour gives you a break, not to mention providing invaluable family time. The experts at A.J. Benet know how hard you work to protect your family year long. A package policy allows you to take advantage of benefits by consolidating multiple policies, such as  home insurance, with one insurance company. A.J. Benet offers Westchester County Home Insurance policies from top-tier insurance companies that are designed to insure…
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How to Remove Snow off Your Roof

How to Remove Snow off Your Roof As the Northeast digs their way out from Nemo, Westchester County can now remove snow off their roofs to help prevent any ice dams that might damage your home. With over 40” of snow dumped during Nemo, the Northeast has been hit hard by this blizzard. 650,000 customers over eight states had lost power making for an extremely deadly storm. Now that the worst of Nemo is over, it’s time to think about cleaning up with these simple tips on how to remove snow off your roof. Your roof is particularly vulnerable because of the sticky snow that piles on. Not only the weight of the snow can cause damage, but ice dams can also form due to lack of maintenance  By clearing the first three to four feet of snow will help prevent ice dams and take away the strain off your roof. Flat Roof – Flat roofs are one of the easiest to clean, but will allow more snow to pile up and damage your home. If you have a flat roof you may want to shovel the roof constantly to avoid damages during storms. Remember to put safety first any time you are on a roof, snow or sun.  To help prevent any further injury to you, we highly suggest calling a professional. Slanted Roof – If you have a slanted roof, a roof rake may be your best bet.  A roof rake is a long-handled tool designed specifically to help remove snow from your roof. One of the highest rated products that we’ve found was a Garant GPRR24U on Amazon. When using your roof rake, stand firmly on the ground and knock off as much of the snow off as you can safely reach. It is not necessary to remove all the snow; removing the first three to four feet of snow closest to the gutters can help the gutters properly drain. No Roof Access – If you cannot reach the roof, many home builders landscaping and roofing contractors, and property maintenance companies can remove snow from your roof. Always be sure your contractor is insured and bonded. If you have any doubt, leave it to the professionals. Using a ladder and walking on a slippery roof can be extremely dangerous is best left to professionals. The experts at A.J. Benet know how hard you work to protect…
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New York News: Class Divisions & A Golf Course

New York News: Class Divisions & A Golf Course The State of New York has given New York City 97 million dollars to develop a public 18-hole golf course on the newly re-constructed Perry Point Park. The park sits in the poorest borough of New York City, the Bronx. Many residents have voiced their perspectives and concern, such as the incomprehensible spending and the potentials risks of methane gas exposure. The construction of the golf course at Ferry Point Park is the most reprehensible symbol of class division and money distribution. Although the economically thriving state of New York still holds a large percentage of the nation’s top earners, the Bronx couldn’t be any more different. While Manhattan’s average household income between 2002 and 2010 has grown by $29,000, the Bronx has hardly bounced back from the recession and has only increased by $8,000.  According to the poverty results taken in 2009 by city-data.com, 34.4% of those who reside in the Bronx have an income below the poverty level. This is 16.2% more than the nation’s poverty level. In the United States Census Bureau’s American Community Survey, 1 in 5 households (1.8 million residents) in New York rely on food stamps. Their economy is still at the climax of the recession; home ownership has declined, housing values have plummeted, and fewer individuals carry health insurance. This poses an essential question; is spending 97 million dollars and turning over acres of land to build a golf course a feasible and efficient use of the city’s resources. In addition, the Ferry Point Golf Course will sit on a landfill that closed down in 1963 and has since been holding high levels of explosive methane gas. Although New York City has installed wells to measure and track the explosive level, residents are still righteously concerned that they are breathing lethal gas. While many residents are against the construction of another Trump National and International Golf Club, there many advocate for the construction. The Mayor’s administration has emphasized the history of golf as a past time. They stated that despite the decline in the use of golf courses, the Ferry Point neighbors expressed their overwhelming desire for a golf course in 1977. The administration argues that golf has been an important pastime for Americans for the past half of a century. Other park advocates…
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