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Home Insurance and Vandalism

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People can sometimes act in ways that are inconsiderate or harmful. Unfortunately, this can include acts of vandalism, such as throwing a brick through a window, spray-painting offensive messages on a front door, or even egging a house on Devil’s Night. Other times, damage may occur unintentionally, like cutting down a tree on your property or accidentally backing over your fence. Regardless of the cause, the financial burden of repairing such damages is often covered by your home insurance policy.

Does Home Insurance Cover Vandalism?

In most cases, vandalism is covered under your home insurance policy through dwelling coverage. This type of coverage pays for repairs to your home’s structures, including attached features like garages. If the damage involves a detached structure, such as a fence or shed, the repairs are typically covered under the coverage for other structures. Personal belongings damaged or stolen during an act of vandalism are also protected under personal property coverage. Be sure to review your policy to understand your coverage limits. Items like jewelry or firearms may have specific sublimits due to their higher risk of theft.

If you operate a business from your home, consider adding a business property endorsement to your policy, as standard home insurance may not cover business-related items. Additionally, if your home is unoccupied for more than 60 days, your coverage may lapse. To ensure protection during extended absences, you can add a vacant home endorsement to your policy.

Contact Affordable Insurance in Mountain Home, AR

If you live in the Mountain Home, AR area and need a reliable home insurance policy, contact Affordable Insurance Inc. Our team is here to assist you with finding the right coverage for your needs.

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Are Your Outbuildings Covered By Your Home Insurance Policy?

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Experiencing damage to outbuildings on your property due to storms, fire, or vandalism can be distressing. Generally, outbuildings are covered under a standard home insurance policy, except in special cases. At Affordable Insurance Inc. in Mountain Home, AR, we help clients acquire the right home insurance for their individual needs.

Common Types of Outbuildings

Residential properties often feature various types of outbuildings, such as detached garages, gazebos, storage sheds, and pool enclosures. Fences, decks, and driveways are also considered structures covered under insurance. Some individuals construct a barn or greenhouse on their property. Guesthouses are another outbuilding commonly found on properties. These buildings are all covered under standard residential property policies.

What Is Covered By Your Homeowner Policy

Outbuildings are usually covered to a certain limit, generally 10 percent of the policy’s dwelling coverage limit. Hazards such as fire, smoke, lightning, snow or ice damage, theft, vandalism, explosions, and water from burst pipes are covered. If you use the outbuilding for business purposes, you will generally have to acquire a separate policy for the structure’s coverage.

Make Affordable Insurance Inc. Your Choice for Home Insurance Coverage

We can understandably provide in-depth answers if you have questions about coverage for your property’s outbuildings. We offer many types of insurance for our clients, including auto, boat, motorcycle, RV, renters, and business insurance. Contact Affordable Insurance Inc. in Mountain Home, AR today for a no-obligation quote on home insurance that will provide coverage for all your property insurance requirements.

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The Type of Insurance Coverage For a Second Home

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Many individuals own a second home and use the property as their vacation getaway. The location allows you to enjoy a warmer climate in the winter or cooler temperatures during a summer heatwave. However, a major concern is having the right home insurance coverage for your new investment. The team at Affordable Insurance Inc. in Mountain Home, AR, can assist with explaining the best policy options available for your coverage needs.

Do I Need to Insure My Second Home?

All homeowners have home insurance coverage on their primary residence. Unfortunately, this policy does not extend to your second home. The type of insurance coverage needed may be unique to the location and how often you spend time at your second home. Before creating a specialized home insurance policy, you must consider several risk factors, including if the location of your second home is at high risk for flooding. Also, you may want more protection from burglary and theft in your home when it is unoccupied. Create coverage that protects your specific needs.

How to Boost Your Second Home Insurance Coverage

Creating a home insurance policy for your second home can be challenging. Problems occur because it is not your primary residence, so valuable personal items are not housed at the home year-round. Still, you want to boost your coverage by adding personal property insurance that replaces all damaged or stolen items.

Also, consider adding umbrella liability coverage that protects your wealth if someone is injured or an accident occurs at your second home. The additional protection is welcomed if the cost exceeds the coverage provided by your second home insurance policy.

If you are considering purchasing a second home and are unsure of the insurance coverage you need, contact the team at Affordable Insurance Inc. in Mountain Home, AR. They have the knowledge and experience to create a policy that fits your coverage needs. Call and schedule an appointment today.

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Why All Homeowners Need Home Insurance

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When you own a home, one of the essential things you must do is get a home insurance policy. These policies are required by your lender, your HOA, and the covenants you agree to. Even if you don’t have this requirement, keeping this coverage for your own protection is vital. If you don’t have home insurance, you’re vulnerable to a wide range of risks that can mean serious financial problems. Being financially vulnerable can take away from a homeowner’s peace of mind. For many reasons, it’s vital to have home insurance for protection. Call us at Affordable Insurance Inc. in Mountain Home, AR to get started.

Various Types of Protection

Many types of coverage are included in your home policy. One of these is protection for the house itself. The policy will protect the house from many different risks, such as certain types of accidents and disasters. This coverage pays for the repairs needed after such an incident. Another type of vital protection is item coverage. This covers all of the items in your home against similar incidents as the dwelling coverage. This can pay for items to be replaced after they’ve been destroyed or damaged. You also get liability protection in the policy in case of accidents. 

Financial Risk Mitigation

When you have home insurance for your home, you’re protecting yourself against a wide range of risks that could put you in a bad position financially. If a serious incident happens to or in your house, financial devastation could be the result if you don’t have home insurance. Don’t take that risk when getting a home insurance policy, which is easy. 

Get Home Insurance

Every homeowner needs this important coverage for financial safety and peace of mind. To get started, contact Affordable Insurance Inc. in Mountain Home, AR.

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Things To Do Now And Prepare For Warmer Weather

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How to Prepare Your Home for The Upcoming Warmer Weather

As the snow melts away and the temperature gradually edges towards comfort, there is a checklist of tasks you need to accomplish around your property to gear up for the impending warmth. Let’s review those tasks one by one.

Clean Out Your Gutters

Ahead of the warm showers, ensuring your gutters are devoid of any blockages is critical. Winter months can lead to a buildup of waste from trees, wildlife, and the weather, causing your gutters to fill or obstruct.

Repaint Your Deck and Exterior

Intense heat can make your deck cumbersome to clean—a chore you may continually postpone. If your deck requires a paint job, you could risk it cracking or buckling from the heat unless it’s promptly addressed. This principle also applies to other parts of your home’s exterior that need painting.

Undertake a Power Wash Session on Your Home

Regardless of your home siding type, power washing your house is recommended at least bi-annually. As this activity can be laborious and require prolonged sun exposure, tackling it during spring, before the arrival of high temperatures is advisable. Power washing helps rid your home of any unwanted dirt and mildew that may have accumulated over the winter.

Inspect Your HVAC System

While attending to your gutters and power washing your home, don’t forget to check your HVAC system for any visible damage or leaks. If necessary, a swift inspection and prompt repair can save you a headache as the weather warms up.

Need a Quote for Home Insurance?

If you reside in the Mountain Home, AR vicinity and are on the market for a quote on home insurance, connect with our team at Affordable Insurance Inc today. We’re here to help you gain peace of mind about your property’s protection.

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Tips to improve your home’s curb appeal

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It’s no secret that the curb appeal of your home here in the Mountain Home, AR area has a huge impact on how it is perceived and its overall value. People typically make decisions about a home in just a few seconds, so it’s important to make sure yours stands out from the crowd. For those looking to improve the curb appeal of their home, here are some tips from us at Affordable Insurance Inc to help you get started: 

Tips to improve your home’s curb appeal

1. Start with the front door.

A bright, vibrant-colored door can give your home an instant lift and give passersby a good first impression. To give your door extra character, consider adding house numbers, welcome signs or other small decorations that can bring personality to your entryway. 

2. Add plants and landscaping elements to your yard.

Adding a few well-chosen plants and shrubs will add color and texture to your yard that can really enhance its beauty. If you don’t want to permanently plant anything, opt for potted flowers or hanging planters instead. 

3. Paint or replace old shutters and window frames.

This is an easy way to instantly transform the look of your home without breaking the bank. If painting isn’t an option due to time constraints or budget restrictions, consider replacing them entirely with more modern designs for a fresh update that won’t go unnoticed! 

4. Upgrade lighting fixtures outside your home.

Lighting at night can really bring out the best features of a property, so investing in quality outdoor lighting is worth considering if you want people to notice your home day or night! 

Keep Your Home Insurance Policy Updated

For more tips, give us at Affordable Insurance Inc a call today. We are proud to serve the Mountain Home, AR area.

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Types of Home Coverage Available to You

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When looking into home insurance, it’s important to ensure you understand the different types of coverage available. Affordable Insurance Inc. provides residents of Mountain Home, AR with reliable protection for their homes and personal belongings by providing comprehensive coverage for both homeowners and renters.

Dwelling Coverage: Protecting Your Home’s Structure

The first on our list is Dwelling Coverage. This type of coverage helps protect your home from damages due to certain risks, such as fire, severe storms and hail, lightning strikes, and more. It will also provide compensation for necessary repairs or replacement needed as a result of damage caused by these hazards.

Personal Property Coverage: Safeguarding Your Belongings

Personal Property Coverage is the second type of home coverage you should consider. This type of coverage helps to protect your belongings, such as furniture and appliances, in the event that they’re damaged or destroyed by covered risks. It can also provide assistance with replacing personal items if they’re stolen.

Liability Coverage: Covering Legal Expenses and Damages

The third type of coverage you should consider is Liability Coverage. This coverage helps protect you in the event that someone is injured on your property or if you’re sued for damages caused by you or a family member. It can provide assistance with legal defense costs, as well as help cover medical expenses and other related costs associated with an incident.

Additional Living Expenses Coverage: Providing for Temporary Relocation

Finally, you may also want to consider Additional Living Expenses Coverage. This coverage can help with the costs associated with temporarily relocating if your home becomes uninhabitable due to a covered risk and you need to stay elsewhere while repairs are being made.

We Are Here To Help!

These are just a few of the different types of home insurance coverage available through Affordable Insurance Inc., so make sure to speak with one of our skilled agents today to help you decide which type of coverage is right for your needs for your Mountain Home, AR property. With the right coverage, you can rest easy knowing that your home and belongings are properly protected in case of any unforeseen events.

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Prepare Your House for Winter

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As the leaves begin to change color and fall from the trees, it’s time to start thinking about preparing your house for winter.

Preparing your Mountain Home, AR house for winter doesn’t have to be a daunting task. By taking care of a few necessary items on your list, you can rest assured that your home will be protected all season long. And if you’re looking for comprehensive coverage for your home, look no further than Affordable Insurance Inc. We’re here to help you find the right policy for your needs so you can focus on enjoying the winter months ahead worry-free!

To prepare your house for winter, take the following steps:

Check Your Gutters and Downspouts

As the temperatures drop, it’s essential to ensure your gutters and downspouts are clear of leaves and debris. Clogged gutters can cause ice dams on your roof, leading to severe damage.

Inspect Your Roof

Your roof is one of the most critical parts of your home, so it’s crucial to inspect it regularly. Look for any missing or damaged shingles and ensure no leaks. Make any necessary repairs before the winter weather hits.

Protect Your Pipes

Frozen pipes are one of the most common problems homeowners face during winter. To prevent this, ensure all exposed pipes are adequately insulated. You should also keep your thermostat set to at least 55 degrees Fahrenheit.

Update Your Home Insurance Policy

One of the most important things you can do to prepare your Mountain Home, AR home for winter is to ensure your home insurance policy is up-to-date. At Affordable Insurance Inc, we can help you find a policy that fits your needs and budget. We understand that every family is different, so we offer various coverage options. Contact us today to get started!

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Getting your home ready for the cold weather

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As the temperature goes down and the thermostat goes up, it is time to get your home ready for the cold weather.  As the days get shorter and you get out the sweaters, scarves, and mittens, it’s time to think about all the things that you need to do before the winter winds hit. At Affordable Insurance Inc in Mountain Home, AR, we have been striving to provide the finest in customer service since 1995. We realize that happy customers are the foundation of our business.

Clear outdoor areas

If you have faucets that you use outdoors in warm weather, the danger of freezing weather becomes a reality. It is time to drain them and shut them off. While you are at it, bring in any hoses that might be outdoors. Time to take the outdoor lawn furniture and store it away until the warm weather returns. 

Get the furnace cleaned

Before it is time to turn on the furnace, it should be inspected and cleaned. This makes it more efficient and you won’t get an unpleasant surprise the first time you turn it on. Check the batteries on your carbon monoxide detector and smoke detector. 

Clean the chimney

If you have a fireplace, cleaning the chimney is a must before you light your first fire of the year. This is a job best done by a professional. 

Check for leaks

Get a caulk gun and check your windows and doors for places where the heat can escape. A little caulk can save you a lot of money. 

Change from screens to windows

If you have been using screens during the warm weather, it is time to put down the storm windows. This goes for storm doors too. 

Contact Affordable Insurance Inc in Mountain Home, AR to talk about your home insurance needs. 

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How to Select the Best Homeowners Insurance Coverage. Call Affordable Insurance today 870-425-6079

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How to Select the Best Homeowners Insurance Coverage Call Affordable Insurance 870-425-6079
Insurance Advice for New Homeowners

Buying a home is an exciting, new adventure. One of the many decisions you will make is how to insure your new home.

The Insurance Information Institute reports that one in 20 insured homes has a claim each year. While you never want to file a claim, having the right coverage is critical to your new investment.

Here’s how you can make sure you’re choosing the best homeowners insurance coverage for your home.

1. Understand What Homeowners Insurance Provides 

It’s important to understand homeowners insurance when selecting your coverages.

A simple definition of homeowners insurance: an agreement to repair or replace your home and put your life back to where it was after a disaster/covered loss in return for a premium/payment.

 

Most standard homeowners insurance policies cover:

  • The cost to rebuild your home after a disaster
  • Your contents inside the home in the event of a covered loss
  • Liability coverage to pay medical bills if somebody is injured on your property
  • Living expenses if you have to leave your home after a disaster

2. Explore Your Options

One of the important choices you will make when selecting a policy is your limit of insurance.

Your limit of insurance is the maximum your insurance company will pay you in the event of a covered loss.

New homeowners will often consider their home’s resale value when deciding their limits of insurance. However, you are not insuring your home’s resale value.

You want your insurance limit to cover the cost to completely rebuild your home after a covered loss.

Beyond choosing your limits, you will also have optional coverages you can add on to your policy. These may include:

  • Guaranteed Home Replacement Cost: Provides full replacement of your home in the event that your coverage limit is too low. This may occur due to unforeseen changes in construction material and labor costs.
  • Personal Property Replacement Cost: Pays you the cost to purchase new contents regardless of the resale value or age in the event of a covered loss. Alternatively, standard coverage will pay you the cash value of your contents at their depreciated value.
  • Equipment Breakdown Coverage: Covers the breakdown of all your important home systems and personal major appliances. For example, air-conditioning systems, furnaces, compressors, laptops, televisions, home appliances, and hot-water heaters

 Check out this interactive home tour to see Equipment Breakdown Coverage in action.

3. Choose the Right Insurance Company

Your next step is choosing the right insurance company.

When you search for the cheapest insurance option online, you are most likely missing important details and coverages. A low price doesn’t necessarily mean appropriate coverage.

Affordable Insurance represents many insurance companies. We can provide you with personalized quotes from any of them based on your needs.

Affordable Insurance will help you dig deeper and find out exactly what is and isn’t covered under each policy you consider. Our success is dependent on representing quality insurance companies. So, we very familiar with insurance companies known for superior customer service.

4. Bundle Your Insurance Policies for Extra Savings

Oftentimes, insurance companies offer multiple-policy discounts since they sell multiple types of insurance. If you buy more than one policy from the same insurance company you may qualify for policy discounts.

So, if you have the option to bundle your policies with one insurance company, it is usually a good idea.

5. Remember to Look Ahead

Lastly, remember your home insurance needs may change over time.

As your home and family change, let us know. This will help make sure you still have the best coverages for your home.

Examples of these changes may include:

  • Remodeling or renovating parts of your home
  • Changes to who is living in the home
  • Changes to how much time you spend in the home throughout the year
  • Upgrading the contents of your home
  • Adding a deck
  • Digging a pool
  • Finishing your basement

Another aspect of your home that may change over time is the contents inside. It’s a good idea to keep an up-to-date home inventory to document the items in your home. Several free apps can help you capture the information quickly.

Choosing the Best Homeowners Insurance for Your Home Doesn’t Have to be Hard

Purchasing your first house and homeowners insurance is not something to rush through. Give us a call today to ensure your home is covered properly.

Learn more: Homeowners Insurance & Ways to Save with Auto-Owners 

Disclaimer: The analysis of coverage is in general terms and is superseded in all respects by the Insuring Agreements, Endorsements, Exclusions, Terms and Conditions of the Policy. Some of the coverage mentioned in this material may not be applicable in all states or may have to be modified to conform to applicable state law. Some coverages may have been eliminated or modified since the publishing of this material. Please check with your local Independent Auto-Owners Insurance Agent for details.

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