Courtesy of iii.org Hurricanes are violent and dangerous to your family and your home. When a hurricane threatens to bear down, make sure that you know how to batten down your hatches and protect yourself, your loved ones and your property. When it's hurricane season Hurricane season starts June 1 and runs through November 30. But don't wait until a warning—take steps to prepare in advance for a potential hurricane—it's the best way to protect your family, your home and your business. For more preparedness tips, handy checklists (including ones you can personalize yourself) and evacuation planning advice to cover a variety of disasters, get the I.I.I.’s Know Your Plan app. It's a great tool to help get you and your family—including pets—organized and ready to act more quickly if a hurricane or other emergency strikes. When a hurricane watch is issued A hurricane watch is issued when there is a threat of a hurricane within a 24-36 hour period. At that time, you …
Grill Safety Tips
Courtesy of iii.org Every year, millions of Americans safely enjoy outdoor barbecues, but accidents do happen. According to the U.S. Fire Administration, about 5,700 grill fires take place on residential property every year, causing an annual average of $37 million in damage, 100 injuries and 10 deaths. The majority of grill fires are caused by malfunctioning gas grills. In addition, thousands of people visit emergency rooms every year because they have burned themselves while barbecuing. In the rare instance of a grill fire spreading to your property, your homeowners insurance would provide financial protection as fire is a covered peril. A homeowners policy covers the following: Damage to the house itself. Damage to personal possessions such as lawn furniture. Damage to insured structures on your property, such as a shed or gazebo. Injuries to a guest, under the liability portion of the policy. Keep in mind you’ll have to pay your deductible before your …
Hurricane Season Coming Soon, Renters Guide
Courtesy of iii.org RENTERS INSURANCE If you rent, rather than own, your home, have you bought renters insurance? While your landlord may provide insurance coverage for the structure of your home, as a renter you are responsible for your own belongings. Renters insurance covers the loss or destruction of your possessions if they are damaged by a hurricane or other disaster listed in the policy. A standard renters insurance policy also includes ALE coverage if you are unable to live in your house or apartment due to damage caused by a hurricane. Flood insurance is also available for renters. However, as for homeowners, the NFIP flood insurance policies for renters do not include ALE coverage. Don’t wait to review and update your insurance until after you have a loss—there are few things worse than finding out you did not have the right kind of coverage when you are already filing a claim. So before hurricane season kicks off, make sure you’ve reviewed home or renters …