If you live in Selden, NY, and have a home insurance policy, you may have heard about riders before. If you’re not sure exactly what they are though (or what they do), it can help to be aware of how they function to protect your property. XL Brokerage Inc. wants you to have all the facts in case you decide to change your policy.
What Is a Rider?
A rider is essentially an addition to your Selden policy for specific coverage. The most common example is often a flood rider. Because most policies don’t cover flooding incidents, homeowners who want this protection will add a rider to their policy to ensure they can file a claim if and when water damage does occur.
However, you can get riders for any number of events, so it pays to consider the major threats in both your home and the surrounding neighborhood. For example, you may decide that you want to have a specific policy for your animals, just in case, your dogs get a little too rambunctious either inside or out. Or you may want to cover a specific possession, such as a piece of jewelry.
Calling for Help
If you’re interested in how riders personally impact the residents of Selden, NY, XL Brokerage Inc. is here to shed a little light on the matter. We can both ask questions and offer examples of how to upgrade your insurance. A quick conversation is sometimes all it takes to learn that you’re not nearly as protected as you thought you were. It’s our pleasure to assist you before something happens to your home (as opposed to when you’re scrambling to check your coverage to see if you can file a claim for certain damages).
You rely on electricity to brighten your home, cook meals and to keep you warm; electricity allows you to live comfortably in your home, but it doesn’t come without risks. Studies have shown that there are over 30,000 electrical fires and electrical related injuries that occur each year, many of which may have been avoided. Home electrical safety is critical for the safety of your family and your home. To help you gain some knowledge about basic electrical safety tips, XL Brokerage Inc. has put together a few tips for the residents of Selden, NY.
A warm or hot outlet may mean there is a dangerous situation just waiting to happen. Outlets that are warm to the touch often means the electrical load on the circuit is too high, the wiring is loose or the wiring isn’t up to code and if the outlet feels hot, it typically means the wiring has already started melting. When inspecting outlets also be aware of a loose outlet or those that don’t hold plugs tightly. Be sure to switch out all two-pronged outlets with grounded three-pronged outlets and outlets that are located near water should have code-correct GFCI outlets. Contact an electrician as soon as possible to handle these changes for you.
Power Cords and Extension Cords
One of the riskiest things you can do is to use appliances or other types of electrical equipment that have exposed wiring in the power cords. If you notice that the protective coating on an electrical wire has been damaged or stripped away, it should be replaced before using it. Extension cords make life easier, especially during the holidays when you use more electrical decorations than usual, but extension cords pose a risk of injuries and may lead to a fire if they are overloaded. The best solution is to avoid using extension cords and consider contacting an electrician to install additional outlets in your home.
Water conducts electricity, so even a small exposure will lead to electrical injuries. Never use electrical equipment near water and always wipe up spills to avoid the risk of a plug getting wet. When it comes to electrical safety, one of the most important things to keep in mind is that small children are naturally curious, so always use tamper-resistant safety caps on electrical outlets and be sure to keep loose cords out of reach.
Residents of Selden, NY interested in learning more electrical safety tips or how to upgrade their home insurance should contact XL Brokerage Inc.
Home safety should be a priority when preparing for the holidays. From holiday festivities to holiday décor, consider ways to make your Selden, NY home a safe, comfortable environment for family and friends. The following home safety tips from XL Brokerage Inc. offer some sound advice on how to create a safer home environment this holiday season.
Christmas decorations are at the heart of holiday celebrations as they set the mood for festive occasions. If you’re setting up a live tree, keep in mind it needs to be watered regularly so it doesn’t dry out. A dry tree can be a fire hazard. Make sure your tree is far from heat sources like vents, portable heaters, and fireplaces. Check Christmas lights before putting them on the tree to be sure they’re in good condition, i.e. no frayed cords, broken bulbs, etc. Place glass or pointy ornaments up high, out of reach of pets and children. If you’re using an artificial tree, make sure it’s fire-resistant.
Declutter your entryway, living room and stairs to avoid accidents. Clutter is not only unsightly, but it also takes up valuable space that guests need to move about freely. Clutter can also be a fire hazard.
Have your fireplace and chimney inspected by a professional before using. Never leave your fireplaces unattended after lighting a fire, especially if there are children around. Use wisdom when decorating your fireplace as stockings and garland placed too close to the flames could easily catch on fire.
Smoke Detection Devices
Check your smoke and carbon monoxide detectors to make sure they’re working properly. Keep a portable fire extinguisher within easy reach in the kitchen as a preventative measure against grease fires.
Review your home insurance policy to ensure you’re protected against the risk of holiday accidents. To learn more about home insurance coverage and costs, contact your XL Brokerage Inc. agent in Selden, NY.
Home automation offers homeowners several options when it comes to securing your home and saving energy. Timers, thermostats, and environmental hazard controls are available to monitor your home’s energy usage. In Selden, NY, the agents at XL Brokerage Inc. can help you discover new ways to save energy through the use of home automation.
Smart thermostats work with home automation platforms like Google and Alexa to control the temperature of your home when you are there or away at work. In the summertime, temperatures can be raised when you’re gone and lowered when you are on your way home saving energy costs and reducing your utility bills.
Putting indoor and outdoor lights on a timer reduces energy costs but also helps to keep your home secure, especially after dark. It also makes it easier for you to see as you enter your home at night.
Environmental alerts will notify you when moisture is detected in your basement or in other parts of your home. They will also alert you if there is a spike or dramatic decrease in the temperature of your home. This can indicate that your HVAC unit is not properly working or that you are experiencing a power outage.
The agents of XL Brokerage Inc. offer assistance to residents of Selden, NY if they have questions concerning home automation and energy savings. Home automation and home security systems go hand in hand to help homeowners lower their utility costs and protect their homes at the same time. If you have any questions or concerns, call the agents today and set up a consultation to get the answers you need.
Pests are present in every home, even if you do not readily see them. These pests can cause major damage to your home so making sure you are repairing damage and getting rid of pests is essential. That being said, pest damage repair can be costly and having some help with costs would be helpful. For those that live in the Selden, NY area, the agents with XL Brokerage Inc. can help you find the policy that covers what you need it to cover.
For the most part, home policies are not going to cover the cost of repairs that are associated with pests and the damage they cause. The cost of pest repair falls under the category of home maintenance, which cannot be claimed on a home owner’s policy. If you do have pests it is suggested that you take the time to get the infestation handled before it becomes too serious and before the cost of damages is too high. Repairing pest damage can be a gradual process that the homeowner or landlord must shoulder on their own.
You can claim damages that are caused by pets to a certain extent however or by other animals that belong to tenants for example if you are renting your home out. You should take the time to carefully consider what your home policy covers before you decide what policy you are going to take out and what policy is going to work for you and for you particular property and home.
For those that live in the Selden, NY area, the agents with XL Brokerages Inc. can help you to find the right policy for your needs and for your particular property and the coverage that it needs to be safe.
The birds begin to chirp, the cold temperatures give way to warmth, and signs of spring emerge. That’s good news for everyone who is ready to say goodbye to winter. And here are some tips for preparing your home to welcome spring while staying safe, courtesy of XL Brokerage Inc. serving the Selden, NY area.
Maintain safety equipment
As the seasons change, it is the perfect time to make sure your home’s safety equipment is in great shape to protect you and your family. Replace batteries in smoke detectors, carbon monoxide detectors and any other equipment you have.
Repair outdoor areas
You will likely be spending a lot more time outside when the weather warms up. So make those areas safer by completing tasks like repairing sidewalks, steps, decks, and patios.
Remove hazardous materials
You might have some materials and supplies on hand like paint or cleaning supplies in your garage or basement, but gather those up and properly dispose of them. Your city might have a special location where you can drop them off.
Day and night, your home should have the proper lighting with a special emphasis on safety. That means you should make sure your lamp posts, porch lights, and all other outdoor lighting keep all areas safe for residents and guests. Install lighting as necessary, and make sure all light bulbs work.
The safety-related tasks you need to do will vary based on your unique needs. Write a list of all the tasks you need to do, and prioritize the items on that list. Plan to get them done before warmer weather arrives. If you have questions about preparing your home for spring or need details about home insurance, feel free to contact XL Brokerage Inc. serving the Selden, NY area.
Your Home Is Your Castle
No house becomes a home without effort from its owner. Repairs, decor, and building home memories are what makes a home feel like a castle. Smart homeowners will review their home insurance policy routinely. This allows them to update it to reflect changes in their lives. Have you:
- Added new members to your household?
- Moved to a new address?
- Added a room?
- Made replacements or repairs that are significant, like a new roof or garage?
You might not realize that in the middle of changes like these you need to keep your insurance coverage updated. Not only that, but New York state regulations change from time to time as well. You might even have a package policy available for you to take advantage of, and not know about it. Visit our agents at XL Brokerage Inc. serving the communities around Selden, NY to learn what policies are out there that might prove an advantage for you.
Protect Your Castle and Your Family
New York homeowners sometimes assume that certain coverages apply when they usually do not. For example, flood insurance is different from home insurance and must be acquired separately. Special collections that you have in sports memorabilia or artistic displays might need special coverage as well. Condo insurance is different from home insurance. Home insurance is designed to provide various kinds of coverage for specific kinds of incidents and damages. Depending on your Selden, NY neighborhood, your home’s age and design, and other factors, you can apply to many different insurance companies yourself and after wading through their many forms find a policy that seems to work best for you. Or you can come in and see us at XL Brokerage Inc. Our agents have the experience and knowledge to quickly access crucial information from national companies to find policies that fit your unique needs. Call today for the protection your castle can depend upon.
Do you live in Selden, NY and are looking to purchase homeowners insurance? If so, here is a list of three ways you can save money on your homeowners insurance. Read on to learn more about these three tips: bundling, comparing quotes, and working with a reputable agent.
1. Bundle your Policies
Chances are you already have one or two insurance policies under your name. This could be for a vehicle, another home, a boat, a recreational vehicle, or even a business. If so, you can bundle your policies together under one insurance company for long-term savings on your premiums.
2. Compare Policy Quotes
It’s always important to look at more than one quote when it comes to homeowners insurance in Selden, NY. In fact, you should be comparing at least two or more quotes. To help you do this, the team at XL Brokerage Inc. can help by going over each policy in detail and answering all of your questions.
3. Work with a Reputable Insurance Agent
Your home is probably your most valuable asset and you want it to be covered by the right policy and with the right insurance company. By working with a reputable agent, you can make this happen. A good insurance agent will have the knowledge and experience to help you acquire the right policy for your home in Selden NY.
To learn more about purchasing homeowners insurance in Selden, NY, contact the team at XL Brokerage Inc. today. They will answer all your questions and help you find the right policy to fit your needs. They can be reached at 631-736-6100.
You need home insurance if you own a home, whether it’s paid off or not. In other words, even after you pay off your home and you’re no longer required to have insurance, you should still have a policy. When you’re selecting a policy, there are a few tips you should keep in mind and many reasons why you should select us.
Insurance Policy Tips
When choosing a policy, make sure you take into consideration how much your home is worth, how much it will cost to replace or repair in the event of an accident and how much your possessions are worth. You need enough to cover these expenses and possibly more. You need to take into consideration all the possibilities, so you’re covered for the most prevalent concerns.
Why Choose Us
1. Customer Service
Our customer service is one of the main reasons to choose us. Our representatives go out of their way to answer your questions and address your concerns. They help manage your policy and ensure if you have a claim that it’s handled promptly and properly. You always call our office and get someone who is friendly and who has a genuine passion for the work we do.
2. Policies for Your Needs
It’s not easy to find a policy tailored to your needs unless you’re working with our company. We offer a variety of policies, so you can find one that’s not too much or too little for what you need. You’ll find a policy that’s just right. We offer policies that offer a comprehensive level of coverage. We have renter’s insurance policies available for those who rent an apartment or house. Those who own a condo can find a policy with us tailored to the specific needs of this type of property.
3. Recognition from Major Insurance Brands
Our clients will vouch for the coverage and support we provide, but we also have major brands who back us such as GMAC Insurance, MetLife, The Hartford Group, Foremost Insurance Group, Travelers and Security Mutual Insurance Company.
To get a quote or open up a policy, contact us today at XL Brokerage Inc. by calling 631-736-6100. We serve Selden, NY and the surrounding area.
As our homes age, they do something called depreciating. This means that they are worthless twenty years from the time that they were built than they might have been brand new about the market in which they were built. As our homes decrease in value and things break, appliances and furnishings become outdated, and our homes experience wear, they will be lesser in value. For those in the Selden, NY area, the agents with XL Brokerage Inc. can help you to determine just what your home is worth.
Home depreciation, much like depreciation that comes with a car, is something that happens gradually and over time. Dependent on the economy in which you will be rebuilding, depreciation might not be as big of a factor as you think. It is important that if you are adjusting your home insurance to account for depreciation, you take the time to talk with an agent about the benefits and drawbacks.
If you are having your home assessed for depreciation with the sole purpose of having your coverage and home insurance premiums lowered, you might want to think twice. Though lowering coverage and altering it based on the depreciated value of your home might help you save a few dollars here and there each month, it might make rebuilding difficult and may make it so that you have to downsize.
For those that are thinking of having their home assessed for depreciation, the process is quite simple. An assessor or appraiser will come to your home having been sent from your insurance agency. They will determine how much your home is worth and how much it would cost to rebuild, then they will issue a statement to your insurance. For those in the Selden, NY area, the agents with XL Brokerage Inc. can help.