AJB Blog

Staying In Touch With You

Tag Archives: homeowners

Have These Items in Your Home? You May Need Valuable Items Insurance

You may have many assets in your home that are high-value items either in terms of monetary or sentimental value, and you want to make sure that those items are protected. It is important to take into account that a homeowners insurance policy does not cover everything you own, and the items it does cover are only partially insured if they’re high-priced items. Instead, you’ll want to supplement your existing coverage with Valuable Items Insurance. Some homeowners don’t think about it until it is too late. Take the steps now so all of your most valuable and irreplaceable items are protected. These are a few commonly-owned items you should consider insuring beyond your normal policy. Jewelry Normally homeowners and renters insurance policies have a limit well below the value of more expensive pieces even if jewelry is an included coverage.  It is smart to have the jewelry appraised first and then add it to your policy or purchase a separate policy. Computer Equipment What is the purpose of your computer equipment? If it’s for personal use ,it is possible that it is already covered. If you use a computer for work, your employer likely has a policy covering the equipment. If you’re self-employed, you need a policy that covers your business assets. Be sure to properly insure any business-related computer equipment. Artwork There is certain artwork that may require special coverage. If you own expensive artwork that stays on your wall, insure it with a supplemental policy if your homeowners or renters insurance doesn’t cover it completely. If the art is ever on public display, it is beneficial to obtain a public liability policy to protect the piece from damage. Specialty Tools Certain lines of work require tools that should be insured. If you’re a mechanic or work in any trade that requires specialty tools, be sure to check your insurance policy for guidance. You may want to include the tools in your business insurance coverage if they’re stored at your home but primarily used for your business. Pets No animal lover would ever want to consider his or her beloved friend as property, but most laws recognize animals as something you own. Insurances related to pets include health and liability insurance.  It is important to note that sadly, depending on the breed, your pet may be excluded from your homeowner’s policy….
Read more…

Posted in Blog, Home Insurance, Homeowners Insurance, Valuable Items Insurance | Also tagged , , Comments Off on Have These Items in Your Home? You May Need Valuable Items Insurance

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.

Posted in Home Insurance, Homeowners Insurance | Also tagged , , , , , , , , , , , , , , Comments Off on Westchester County Homeowners Insurance: High-End Home Insurance

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…
Read more…

Posted in Blog, Flood Insurance, Home Insurance | Also tagged , , , , , , , , , , , , , , , , , , Comments Off on How to Remove Snow off Your Roof