Winter Home Insurance Checklist To Follow

Singh Insurance and Financial Services LLC offer coverage to the Clermont, FL community. Providing excellent customer service is one of our top priorities. We help our clients assess their options and find the right policy for their situation. We look forward to assisting you and hopefully establishing a long-lasting relationship.

Winter Home Insurance Checklist To Follow

Home insurance helps you protect one of your most valuable assets. The policy covers any damage to your property and your personal items. You are also covered if your property is vandalized or your personal items are stolen. Liability coverage is an asset. You are covered if you cause damage someone else’s property or if someone gets injured while they are visiting your home. While the area of Clermont, FL is always at risk of severe weather, planning for winter may not be high on your list of priorities. However, an accident may occur when you least expect it. Here are some winter home insurance tips to consider.

Renovations

If you plan to or have recently completed some renovations to your home, amend your policy. Once you add extra coverage, you are protected if severe weather damages your recent additions.

Rental Property

When the weather becomes too uncomfortable, perhaps you have a rental property that you reside in until things heat back up. If you plan to stay in your rental property during the winter, make sure that you are covered if an accident happens.

Luxury Items

If you have valuable luxury items inside your home, make sure that you add extra coverage to be protected if those items are damaged due to inclement weather. If you plan to take any personal items with you to your rental property, those items are covered if they are stolen.

Singh Insurance and Financial Services LLC Will Help You Cover Your Assets

Visit our website to learn more information about home insurance.

Our Complete Guide To Halloween Safety

Don’t let this holiday spook you…Singh Insurance Group is here to protect you, your family and your home this Halloween. Here are our 5 quick tips for a safe and secure night of Trick-Or-Treating!

#1 Double Check Your Property

Check your property before Halloween to make sure there aren’t any loose wires, holes in your grass, large rocks in the walkways or any other potential tripping hazards that Trick-Or-Treaters may not see when it is dark outside. Make sure any Halloween decor you may have out (pumpkins, bails of hay, etc.) are in a safe spot and away from the direct path to your door. 

#2 Be Aware Of Fire Hazards

Halloween is one of the most exciting holiday’s to decorate for but with festive decorations can also come fire hazards. Be sure that all electrical wires are away from Halloween decorations and away from spots where children can easily access them. Instead of using real fire for decorations, try LED lights or battery-operated candles for a fun yet safe alternative.

#3 Lights, Camera, Action!
Before Halloween begins, make sure that your driveway and walkway areas are well-lit and make sure there are minimal tripping hazards for Trick-or-Treaters along the path to your front door. 

#4 Be Protected

Keeping your home protected at all times is a good idea, but since Halloween brings new guests to your property, this is a good time to start if you haven’t already. Consider investing in a camera system, security system or motion-detected outdoor lighting to make sure that your home is protected on Halloween night and every night. 

#5 Secure Your Pets

The commotion of Trick-Or-Treating can sometimes leave your pup or cat feeling anxious. Make sure they are secured in an area of the home away from the front door so they are less likely to run and get lost. 

Does Homeowners Insurance Cover Damage Caused by Hurricanes?

Clermont, FL residents understand the risks associated with being in a hurricane. What many don’t realize is that their homeowners’ insurance may not cover hurricane damage. At Singh Insurance and Financial Services, LLC, the agents are able to evaluate existing insurance policies and help homeowners’ get the coverage they need to protect their home and property fully.

Hurricane and Flood Insurance

Hurricane and flood insurance are types of policies that are typically sold separately. Basic homeowners’ policies do include coverage for certain types of weather damage. Hurricanes and floods are somewhat different. Florida residents who choose to live in Florida know the risk that a hurricane will hit their home is incredibly high. The same is true for flooding. This increased risk warrants a separate policy for each type of event. 

Discuss Your Options With Your Agent

Everyone has different insurance needs. When determining what type of homeowners’ policy for your property, you will need to decide the level of coverage you are most comfortable with. Discussing your options with your agent will ensure you have the coverage you want for your home and property. This isn’t a decision that should be taken lightly. Ask plenty of questions and listen closely to what your agent says.

At Singh Insurance and Financial Services, LLC, residents who live in Clermont, FL are getting the answers they are looking for when they ask about hurricane insurance and whether it is a necessary addition to their homeowners’ policy. Take a few minutes and speak to one of the reputable agents. With their insight and experience, they will be able to give you the advice you can trust when it comes to keeping your home fully insured and protected.

New Homeowner’s Move-In Checklist

Moving into a New Home?

Moving into a new home is thrilling, but it’s also a high-stress life event. Singh Insurance and Financial Services wants to make sure your move goes as smoothly as possible. Whether you’re a new resident to Clermont, FL or setting your roots down elsewhere, we have assembled this handy checklist to help you get settled.

  1. Insure First – This is an obvious bit of advice from us, but it can make a world of difference. Having your home insurance already set up is a good idea just in case some unhappy accidents happen while you’re moving your stuff into the new home. A mortgage lender may also require you to have home insurance.
  2. Plan Your Move – If you plan to rent a moving van, or plan to hire a professional moving service, make sure you do your research ahead of move day.  Always read the fine print of any contract you sign and be sure you know the liabilities the company will cover in case your stuff is damaged in transit.
  3. Packing and Inventory – Start with decorative furnishings first and work your way down to those items you use every day. Now is a great opportunity to start keeping an inventory of your belongings. Not only does an inventory list make sure you know what you have, but it can also be an invaluable resource in the future if you ever need to file an insurance claim.
  4. Transitioning Smoothly – Remember to inform the post office of your change of address and submit address change cards to important institutions such as your bank and insurance. Notify your new utility companies of your move-in date to make sure your gas, electricity, and water are running when you get there. Transferring your records to new doctors, licenses, and schools ahead of time is also a good idea.  

Singh Insurance and Financial Services is happy to welcome you to our Clermont, FL community! Let us help you settle in by taking care of your insurance needs today.