Tag: homeowners insurance

08 Jun 2017
Protect Your Home While You’re Away with These Home Safety Tips

Learn How to Protect Your Home While You’re Away with These Home Safety Tips

Find out what you need to know about protecting your home while you’re on vacation.

Summer is here and it’s time for vacations. Whether you’re traveling domestically or internationally, there’s a lot to do to prepare for your vacation. But, before you get too caught up in all your travel plans, it’s important to think about your home. Leaving your home unattended increases your risk of a break-in. Help to lessen your risk with these home security tips to protect your house while you’re on vacation.

Be Neighborly

When you’re out of town, it doesn’t hurt to have an extra set of eyes to look out for anything suspicious. Befriend your neighbors and keep any eye out for each other. When going out of town, let a trusted neighbor know so that they can watch over your home.

Hold the Mail

A mailbox full of mail and a driveway full of papers is a signal to burglars that you’re away on vacation. Help to reduce your risk as a target for a break-in while you’re in vacation by placing a hold on your mail and newspaper. That way you can relax knowing that your mail is safe and that your home is secure.

Lock Up

Before you leave on vacation, double check to ensure that all your appliances are turned off and that all your doors and windows are locked. That way you can lower you risk of a disaster while you’re away.

When it comes to your home, it’s important that you have the tools that you need to keep it safe. Use these home security tips and invest in the right homeowners insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

11 May 2017
What to Know About Reviewing Your Homeowners Insurance Coverage

Find Out What You Need to Know About Reviewing Your Homeowners Insurance Coverage

Learn about reviewing your homeowners insurance coverage so that you’re best insured.

Investing in the right homeowners insurance is a must when protecting your home. It gives you the necessary protection to protect your home from disaster. Whether it’s a home burglary or house fire, your coverage helps to get your home back in order. However, your coverage needs don’t remain constant. As your life changes, so do your coverage needs. It’s important that you review your policy at least once a year. Find out what you need to know about reviewing your homeowners insurance coverage.

Structural Coverage.

When it comes to ensuring that you have enough insurance coverage, it’s important that you have enough to rebuild your home from the ground up. Pay attention to your coverage limits so that you’re not left with any coverage gaps. Additionally, it’s a good idea to notify your insurance agent of any home remodeling so that your coverage can reflect the new rebuilding costs and you’re not left with inadequate coverage.

Personal Property Coverage.

Your homeowners insurance gives you coverage for your personal property. However, it’s important that you properly insure your most prized possessions. Start your review by taking a home inventory. Document all your household items and make a list of their values. Ensure that you take plenty of photos and keep any receipt and appraisals safe. If you’ve purchased anything of value over the past year, add it to your inventory and increase your insurance limits. That way you’re best able to protect your property in the event of a disaster.

When it comes to your homeowners insurance, ensure that you review your policy annually. That way you get the best coverage for your needs. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

20 Apr 2017
Your Spring Cleaning Checklist to Keep Your Home in Great Shape

Your Spring Cleaning Checklist to Keep Your Home in Great Shape

Tidy up your home in time for spring with this cleaning checklist.

Spring is here, and it’s time to tidy up your home. From getting organized to sanitizing your living space to inspecting your household appliances, there’s lots to do to keep your home tidy and in great shape. Use this spring cleaning checklist so that you get your home ready for the new season. Here’s what you need to know.

Clean and Inspect Appliances.

When it comes to keeping your home clean and well maintained, it’s important that you pay close attention to your home appliances. From inspecting the water line to your washing machine to cleaning your refrigerator coils, take the time to clean and inspect all your home appliances. That way you can extend the life of your appliances while keeping your home looking it’s best.

Tidy Up the Kitchen.

You spend lots of time in your kitchen, but when was the last time you cleaned out your cabinets. Go through your pantry and your refrigerator, and toss any old or expired foods. Next, sanitize shelves so that you can keep your kitchen as clean as possible. Just remember to dry kitchen surfaces thoroughly.

Clean Carpets.

While vacuuming helps to keep your carpets clean, their fibers are magnets for dirt. Give your carpets a deep cleaning at least twice a year. Rent the necessary carpet shampooing machine and wash all your carpets thoroughly.

Wash the Baseboards.

Your walls don’t get the attention that they need when it comes to cleaning your home. Ensure that you wipe down your walls and baseboards when you start on your spring cleaning. That way you can reduce the amount of dust in your home.

Learn how to keep your home in great shape with this spring cleaning checklist. Protect your home from danger with the right homeowners insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

30 Mar 2017
Springtime Home Maintenance Tips for Your Home

Springtime Home Maintenance Tips for Your Home

Learn all about how to get your home ready for spring with these maintenance tips.

The days are getting longer, and the weather is getting warmer. It’s time for spring! Ensure that you’re ready for the new season by getting your home in top condition. Check out these tips to help you tackle your spring home maintenance.

Inspect Your Weather Stripping.

When it comes to getting your home ready for the spring, it’s a good idea to inspect your home’s weather stripping. During the winter, sealing up your home helps you to keep heat in. However, in the spring and summer, it also helps you to keep your home cool. Inspect your home so that you can make any necessary repairs to your weather stripping.

Clean Your House.

When it comes to getting your home ready for spring, it’s important that you start on your spring cleaning. From dusting off your ceiling fans to replacing your a/c filter to vacuuming your dryer vents, use the spring as your perfect opportunity to get your home clean and tidy. That way you’re able to keep your home in excellent condition, and you can make any necessary changes before the summer heat hits.

Check Your Roofing.

After all the winter storms, it’s a good idea to have your roof inspected. That way you’re able to find any leaks, broken shingles, or any other issues and take care of them. This will even help to prevent any further damage.

Enjoy the spring season in a well-maintained home. Ensure that your home is ready for the spring with these maintenance tips and the right homeowners insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

29 Dec 2016
Insurance Resolutions to Get Ready for the New Year

Get Your Insurance Ready for the New Year with These Insurance Resolutions!

Improve your coverage with these insurance resolutions for the New Year!

It’s time to celebrate and ring in the New Year! However, along with all the fireworks and champagne, it’s a good time to get your insurance in order for the New Year. Ensure that you have the right coverage all year long. Check out these insurance resolutions to help you get what you need from your coverage.

Update Your Home Inventory.

In the event of a disaster, homeowners insurance is a necessary safeguard to protect the structure of your home and its contents. However, it’s important to regularly update your coverage. Not only must you update your limits when you remodel your home, but if you’ve purchased any new items this past year, it’s a good idea to update your home inventory. That way you’ll have an accurate account of what you own so that it can be replaced after a disaster.

Look at Your Policy’s Covered Perils.

When it comes to your home insurance policy, it’s important to look at your home’s covered perils. You may think that once you purchase homeowners insurance, you’re protected from any disasters that may affect your home, but that’s not necessarily the case. Often times disasters like flooding aren’t covered by your home insurance policies. Additionally, your coverage usually won’t overlap with other forms of coverage. For example, if you operate a home business, your homeowners insurance won’t give you the coverage that you need to cover any professional liabilities. Look at how your policy gives you coverage so that you can add on the right policy endorsements.

Ask About Discounts.

When it comes to saving, it never hurts to ask. Talk to your insurance agent about whether or not you qualify for any additional discounts. That way you can make the necessary adjustments to help you save on your coverage.

Get the right insurance coverage in the New Year. That way you can rest easy knowing that you’re protected. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

15 Nov 2016
Home Maintenance Tips to Avoid Major Issues

Take Good Care of Your Home to Avoid Major Issues with These Maintenance Tips

Avoid major home issues by using these home maintenance tips.

When it comes to your home, it’s important to stay up on your home maintenance. Without the proper care, your home is vulnerable to disaster. From plumbing leaks to house fires, avoid costly disasters with the right home upkeep. Check out what you need to know about how to keep these common home issues in check so that you can keep your home well protected.

Plumbing.

We often don’t think much about our home’s plumbing, until something goes wrong. However, routine maintenance can help you to prevent any serious issues. Every so often, conduct an inspection of your home’s plumbing. Check for any leaks, keep an eye out for any rusty water, and listen for any loud noises coming from the pipes. These may be signs of serious plumbing issues. If you catch it early, a professional can come and fix it before it becomes disastrous.

Electrical Wiring.

In older homes, it’s especially important to wary of your home’s wiring. Older wiring without the necessary ground-fault circuit interrupters (GFCU), can pose a serious fire hazard. Update any old wiring and remember to be kind to your outlets. Never overload any outlet and be mindful of your circuit breaker.

Drainage.

As winter approaches, so does wet weather. It’s important that you keep your home’s gutters and drains clear so that water flows away from your home. Otherwise, you could be left with serious water damage. Clean out your home’s gutters and remove any debris from around your home’s storm drains.

Keep up on your home maintenance so that you can prevent disaster. Invest in the right homeowners insurance so that you can protect your home. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

27 Oct 2016
Halloween Safety Tips for Your Kids and Your Home

Halloween Safety Tips for Your Kids and Your Home So That Your Night of Trick-Or-Treating Runs Smoothly

When it comes to your Halloween safety, don’t forget to check out these tips.

Halloween is almost here! It’s time to put the finishing touches on your decorations, get your kids dressed in their costumes, and buy any last minute candy as you anticipate trick-or-treaters. However, as you get caught up in all the excitement, don’t forget to think about safety. From ensuring that your kids are safe to protecting your home, there are lots of safety concerns around Halloween. Take precautions so that your Halloween runs smoothly. Check out these Halloween safety tips.

Trick-or-Treating Safety:

  • Keep your child’s safety in mind when looking for a Halloween costume. Choose a costume that can be hemmed above the ankle to avoid any tripping. Additionally, choose a costume that can easily be seen in the dark. That way you’re better able to keep any eye on your children and their risk of getting hit lowers.
  • Remind your children of stranger danger. Ensure that they know never to enter the home of a stranger while trick or treating for any reason.
  • Check your child’s candy. Toss out any open wrapper homemade pieces so that you can ensure the safety of your kids.

Home Safety:

  • Ensure your home is well lit. Keeping your home well-lit isn’t just a sign that someone is home, but it helps to keep all your guests and trick-or-treaters safe from tripping hazards as they make their way to your front door.
  • Be wary of fire danger. While candles can add to your Halloween décor, it’s important that you’re wary of fire danger. Get rid of any candles and replace them with LED candles. Additionally, keep a fire extinguisher on hand, and don’t overload any outlets. They increase your risk for a fire.

Have a Happy Halloween! Protect your home from any Halloween dangers or any other threats year round with the right homeowners insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

29 Sep 2016
Fall Home Maintenance Tips so That You're Ready for the Weather

Fall is Here! Check Out These Home Maintenance Tips so That You’re Ready for the Weather to Come

Keep your home secure for the weather to come with these fall home maintenance tips.

As the leaves begin to change, and the temperatures start to drop, you get ready for the start of a new season. Fall is here, and it’s time to prepare your home so that you’re ready for the cooler weather. Check out these fall home maintenance tips to help you get ready.

Roof Inspection.

It’s important that your roof is in great shape for the winter weather to come. Start your inspection process early so that you can make any necessary repairs in time for winter. Have any loose, broken, or damaged shingles repaired so that you can prevent nasty water damage in your home.

Tend to your Gutters.

When it comes to winter storms, it’s imperative that your drainage systems are working properly. Clean out your gutters and ensure that they’re securely fastened to your home. That way you can reduce your risk for water damage or ice dams come winter.

Trim your Trees.

All it takes is one storm to knock over your home’s trees to cause a significant amount of damage. Take action to prevent any tree related damages and have your trees trimmed this fall. Look out for any signs of rot and have any low hanging branches removed from around your home. That way you can prevent any disasters.

Seal Gaps.

With age, your windows and doors start to develop small gaps around them. While they may not seem like a big deal, they can affect the temperature of your home, costing you big time when it comes to your heating and energy bill. Before the temperatures get too low this season. Take stock of your home’s gaps and seal them if necessary.

Get your home ready for fall. Keep up on your home maintenance and protect your home with the right homeowner’s insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial insurance needs.

04 Aug 2016
Recipe for National Chocolate Chip Cookie Day

Check Out this Recipe for National Chocolate Chip Cookie Day

Celebrate National Chocolate Chip Cookie Day with this recipe.

It’s National Chocolate Chip Cookie Day! Channel your inner cookie monster and whip up a homemade batch of chocolate chip cookies. Enjoy fresh cookies and check out this recipe to help you get started.

Ingredients:

1 cup butter

1 cup white sugar

1 cup packed brown sugar

2 eggs

2 teaspoons vanilla extract

3 cups all-purpose flour

1 teaspoon baking soda

2 teaspoons hot water

1/2 teaspoon salt

2 cups semisweet chocolate chips

1 cup chopped walnuts (optional)

Start your batch of cookies by preheating the oven. Set the temperature to a toasty 350 degrees and prepare a baking sheet lined with parchment paper. Set the sheet aside and start making the dough.

In a large bowl combine the softened butter, white sugar and brown sugar together until smooth. Next, add in the eggs one at a time as you stir them in. Add in the vanilla. In a separate small bowl, dissolve the baking soda in hot water. Add in the baking soda solution and the salt to the batter. Then slowly stir in the flour, chocolate chips, and the walnuts (if you choose).

Spoon the batter onto the baking sheet into one inch balls and proceed to evenly space them to avoid baking into each other.

Place the cookies into the oven and bake for about ten minutes or until the cookies are browned. Let them cool, and enjoy them with friends, family, and a big glass of milk.

Enjoy making this chocolate chip recipe and many more recipes in your kitchen. Ensure that your kitchen is protected with the right homeowners insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial insurance needs.

23 Jun 2016
Anti-Burglary Tips To Protect Your Home While You're Away

Protect Your Home While You’re Away with These Anti-Burglary Tips

Keep your home safe while you’re on vacation with these tips.

Vacation season is here. With beautiful weather and time off from school, it’s the perfect time to take a vacation. As you’re packing your bags and putting the finishing touches on your getaway, don’t forget to take precautions to secure your home. Your home is at a greater risk for burglaries when you’re out of town. Protect your home while you’re away with these home safety tips.

  • Turn the lights on. A well-lit home tells burglars that someone is home. Set your lights on a timer so that they’ll go on and off, even when you’re not home.
  • Make friends with the neighbors. It’s good to have neighbors that you can count on when you’re away. From keeping an eye on your home to picking up your mail, ask your neighbors to help you out while you’re away.
  • Be wary of your newspapers and mail. A driveway full of papers and a mailbox full of letters, are tell-tale signs that you’re out of town. Have your mail taken care of while you’re away to reduce your chances of a burglary.
  • Avoid posting on social media. Posting your travel plans on social media can alert burglars that your home is empty. Hold off on posting on social media until you return from your trip.
  • Double check that all the doors are locked. It may seem like common sense to lock up, but with all the stress of preparing for a trip, it can be overlooked. Walk through your home before you leave so that you know that everything is ready to go.

When it comes to keeping your home safe while you’re on vacation, take precautions to protect your home and invest in homeowners insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff help you meet all your personal and commercial insurance needs.