Penton Insurance   Auto, home, life, and business insurance
Doing Insurance Right


Home & Renters Insurance

The old saying “An ounce of prevention is worth a pound of cure” is very true when it comes to preventing home claims.
Here are some tips on simple things you can do to help minimize potential risk factors in your home:
  • Perform regular maintenance on your home. By keeping things in running order you, as the homeowner are kept up to date on the home’s condition and it can help them spot potential problems later on.
  • If you have a wood burning stove or fireplace make sure that you have clearance of at least 24 inches in front of your fireplace and wood-burning stove.
  • Periodically check the hoses going to your washing machine, refrigerator and ice machine (if you have one). Most of the time losses from these appliances were due to a hose breaking or coming lose.
  • Make sure that your fire and carbon monoxide detectors are working. Each floor of your home should have a fire and carbon monoxide detector and be checked every 6 months to see that it is functioning properly.
  • If you are going on vacation during the winter do NOT turn off your home’s heating unit. The home’s temperature should be no less than 65 degrees. This helps to prevent the pipes from freezing and causing major damage to the home.
In case of a claim as the homeowner you are obligated to protect the home or portion of the home from further damage. That could mean tarping over a window or turning off the water in the home. If you are unsure what to do, give your agent a call and ask. When you call in the claim we will need the date and time of the accident, your address and a brief explanation of the damage. After the claim has been submitted an adjuster will be assigned to you, typically within 48 hours, and they will walk you through the rest of the claims process.

Renters Insurance

Just because you do not own your homes it does not mean you don’t need insurance. If you rent a condo or apartment the owner has insurance on the actual structure but none of your personal property is covered. Renters insurance covers your personal property, the injuries to guests in case of an accident and loss of use in case the property burns down and you have to find another place to stay.

Claims Prevention

Claims prevention for a renter is very similar as it is or a homeowner, the only difference is that some items, such as candles, may be banned as outlined by your rental agreement. Be sure to read the rental agreement ahead of time so there are no surprises after you move in.
               


   
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