What Homeowners Should Do Before and After a Disaster

There have been plenty of horror stories about natural disasters in the news. If your home is in a danger zone, you know what can happen to it, just by watching the results from a natural disaster on the television. The best time to make sure you have adequate home insurance coverage for a natural disaster is before one happens. After a home is destroyed, it is too late to adjust the insurance coverage.

Climate Change Increases Risks

Many of the news stories about natural disasters are describing them as the “worst ever.” The aftermath of a natural disaster can be more dangerous than what happens during the event, especially in regards to flooding.

Now is a good time to discuss home insurance coverage with your agent at Eichelmann Insurance Agency, serving Richardson, TX and the nearby areas. Make sure your insurance coverage is adequate and covers the full replacement cost to rebuild a home after being destroyed by a disaster. Also, ask about flood insurance since home insurance usually does not include this protection.

Helpful Tips about What To Do after a Disaster

After everyone is in a safe place and the emergency has passed, contact your insurance agent. Ask them for help in documenting the destruction. Take photos of everything possible if doing so does not put you at risk. Be aware that walking through standing water without wearing protective gear is very dangerous due to the risk of contracting a water-borne illness.

Do not enter any premise that is partially damaged because the structural integrity may not be sufficient to keep it from falling down. If it is safe to do so, recover any information about the home that was saved before the disaster. Keep the originals and make copies of any available documentation that you have. Give the copies of the documents to help your agent with the insurance claim.

Summary

Disaster preparedness includes having adequate home insurance. Contact your agent at Eichelmann Insurance Agency in Richardson, TX for an insurance review before disaster strikes.

3Unexpected Things That Are Covered By Home Insurance

When most people in Dallas, TX think about home insurance, they associate it tragedies, such as a house fire or trees falling on the house during a storm. It’s often easy to forget that not only is home insurance essential for these situations, but it covers a lot more. Here are a few of the unexpected things that are covered by home insurance.

Dog Bites

Whether your dog tends to get overexcited by your new neighbors or he isn’t too fond of the cable guy, your homeowner’s insurance can be your saving grace should your dog bite anyone. The majority of home insurance policies extend to dog bits, ensuring you that your beloved family pet will not be the cause of extensive debt.

Accidents, such as Slip & Falls

If you forget to shovel the driveway before visitors arrive and someone slips and fall on the ice, you may be liable for the cost of their injuries. The same applies to almost any type of accident that occurs to your guests while on your property. Unfortunately, you may also be responsible for accidents that happened to uninvited guests, such as a door-to-door salesperson. Good news is, your homeowner’s insurance generally covers these accidents.

Dorm Room Theft

When your child moves from your home and into a college dorm, they typically bring a lot of valuables, including laptops, clothing, and jewelry. Unfortunately, a college dorm isn’t always protected against burglary-it can happen, but the good news is, your homeowner’s insurance will often cover the losses.

Residents in and around the Dallas, TX area interested in learning more information about homeowners insurance should contact Eichelmann Insurance Agency.

 

Visitor’ Slip & Fall at a Home – What’s Covered?

The scenario plays out again and again. A Dallas, TX homeowner decides to have a party and bring over guests. It’s warm summer evening and folks are inside and outside in the backyard. The food and drink are flowing, everyone is having a good idea. As one guest gets up to walk across the patio area he hits a wets spot from the kids going in and out of the pool or hot tub. Next thing that happens, the guest has slipped, fallen on his hip, and needs to go to the hospital for what looks like a serious injury. Clearly, it’s going to be an expensive medical bill involved, but who pays?

In the case of homeownership, generally, the assumption in most situations has been that the homeowner is responsible for the premises’ conditions. And there is a common second assumption that one’s homeowner’s insurance policy will cover such situations and address the related medical bills when a claim is filed. While this has been the case in many a policy in the past, folks should not assume it is a default condition always present in a policy. According to Eichelmann Insurance Agency experts, every homeowner should take the time to read his or her policy to know for sure what is or is not covered. Policies vary from provider to provider and, at the end of the day, represent a contractual agreement where terms vary between different parties. Again, in most cases, slip & fall claims are addresses as this is a basic risk of a home and guests, but not always.

To find out more of what applies for a Dallas, TX home, contact Eichelmann Insurance Agency for more information and specifics on given policies. Sometimes a simple clarification and update can save a lot of headaches later on.

The Best Storage For Your Home Insurance Policy

What Are the Best Storage Options For Your Home Insurance Policy

While many people view this question as a no-brainer – keep your insurance policy as well as all of your important paperwork in a safe deposit box for safe keeping, the staffers who assist you at Eichelmann Insurance Agency in  Dallas, TX do not always agree. It is a good idea to keep a copy of your homeowners insurance policy in your safe deposit box. However your policy is not an instrument to sit and collect dust there. 

Like your home your insurance policy is an evolving entity. Things change in your home. Renovations are made, accidents happen, changes occur. Your insurance policy has to ebb and flow with these changes and should be in hands reach – or at the very least easily accessible. Getting familiar with your policy makes you a better homeowner and increases your ability to be responsible for every aspect of your home and the ownership of it. While we are here for you at Eichelmann Insurance Agency to answer any questions you may have there is no substitute for seeing the coverage you possess for your home in black and white. 

Like many residents here in Dallas, TX, across the country and world for that matter, the conventional wisdom of storing your important documents in a remote location so that they are not subject to harm by catastrophes that can occur, (fires, flooding or other extreme weather events, theft) is understood. Keeping an extra copy with your important papers at home in a bureau drawer or file cabinet is an added benefit. Having it on hand to review during service or to educate family members on the importance of being responsible for the home is a good idea. 

The 3 Biggest Reasons You Need Insurance in the Winter

If you’re a forward-thinking person, you already know you need insurance all year round in Dallas, TX. However, covering your bases becomes especially important in the wintertime, when a host of dangers become more likely. In this post, Eichelmann Insurance Agency takes a look at the most important hazards to protect against during the colder months.

1. Weather

When it comes to your property, winter weather doesn’t hold back. You’re more likely at this time of year than any other to suffer roof damage from storms and dropped branches, flood damage from heavy rains and burst pipes from freezing weather. If you’re not covered for these, you’ll be left footing the bill. Plus, if you don’t have liability insurance for your home and someone becomes injured, you’re on the hook for that as well.

2. Fires

On Thanksgiving day, the number of home fires doubles compared to the average number for the rest of the year, reports FEMA. Plus, the government agency adds, December is the peak time of year for home candle fires. Don’t be caught unawares when it comes to fire; get covered.

3. Diminished Road Safety

According to the Department of Motor Vehicles, traffic accidents increase during the winter months. That’s because ice and cold temperatures make it harder to steer and stop. The unsafe drivers around you (and even the safe ones) are likelier to lose control, causing destruction to your car and injury to passengers inside it. In fact, the biggest cause of injury during snow and ice storms come from traffic accidents, which is why it’s critical to have full auto coverage in Dallas, TX, even with usually mild winter weather.

Of course, you can’t protect against every danger. But by being fully insured, you’re less likely to put yourself in a situation you can’t recover from and more likely to move on quickly from a disaster. Don’t wait to learn more about your insurance options, contact Eichelmann Insurance Agency today.

When Home Insurance Helps: Keeping Your Policy Up to Date

If you have a home, you probably already have some type of policy to protect it already  in place. Home insurance is sometimes the only thing that keeps people financially solvent after a natural disaster or thief hits their house, so it ends up being a practical as well as a necessary purchase. If you already know the value of home insurance, you want to see why you should have another look at your policy if you haven’t updated it for a while. 

People Make Changes 

When you live in a house, you’re bound to make changes to it. You bring in new furniture, electronics, and art to make it more your own. Or you buy jewelry or fancy clothes to make going out more fun. Whatever you’re doing to the house though, whether it’s remodeling or shopping, you’re likely increasing the value of what’s on your property. Considering your home insurance is what protects your property in Dallas TX, it may mean that you need to look at your policy limits once again. 

Getting Help 

Sometimes the best thing you can do is talk to someone who understands the process. Instead of combing through websites or your own policy, there are people you can talk to who will answer your questions without making you feel as though you should have already known the answers. Eichelmann Insurance Agency has agents to serve the people of Dallas TX, and who can ensure property is safe from the many elements that surround it. And our company makes it easy for you change your policy whenever you need to. If you’re looking for something new or just need a quote as you price shop, give Eichelmann Insurance Agency a call today to see how we can help. 

How to Budget for Home Insurance

When shopping for a home in Dallas, TX, you need to consider more than the asking price of the property. By not budgeting for extra costs like home insurance, you could end up making an offer on a property you can’t afford. Keep the following in mind as part of budgeting for home insurance expenses.

Make the Calculations

According to the Federal Reserve Board, the average amount of money you should spend on home insurance is 2.24 percent of your total annual income. Although this calculation can be useful, this may not be a realistic figure for all homeowners. For instance, city real estate buyers will likely spend more of their budget on home insurance than rural investors.

Consider the Deductible

When budgeting for home insurance, a major decision will be to choose whether to have a higher or lower deductible for the selected policy. A higher deductible plan will have lower premium payments, but could be risky if you need to file a claim. A lower deductible home insurance policy has higher out of pocket costs initially, but offers more protection when filing a claim.

Get a Professional Assessment

Don’t guess when it comes to deciding how much home insurance coverage you need. A professional assessment will not only determine the cost to replace the home, but how much your valuables are worth inside the property. This prevents you from getting too much or too little coverage.

Safety First

Lower your home insurance rates by having the proper safety equipment on hand in your home. Install smoke detectors, carbon monoxide detectors, sprinklers, and a burglar alarm. Add storm windows and reinforce roofs. Although there are installation costs associated with these safety measures, your home insurance costs are likely to decrease.

Home Insurance Rates Fluctuate

Each year, home insurance rates may increase. The rates could also fluctuate if you need supplemental insurance such as flood and earthquake coverage. Although you may be stretching your budget, don’t skimp out on adequate coverage. Not having the right amount could be financial devastating.

Home insurance doesn’t have to risk your financial security. Contact one of the independent insurance agents at DFW Insurance to discuss quotes from local carriers. DFW Insurance serves clients in Dallas, TX and surrounding areas.

5 Ways to Protect Your Home in Dallas

Even small homes seem difficult to organize and protect when it comes to home insurance. Borders of the property, possessions within the house, and unique events all make the insurance industry filled with lots of puzzles. We’ll try to cut through some of the confusion with some basic ways to protect your home. 

1. The Odd Weather Events 

Our weather patterns have been getting harder to predict from year to year, and there are certain phenomena that may not come standard with your policy. You should look into an insurance policy that has some type of flooding and earthquake coverage. 

2. Covering What’s Inside 

Homeowners often assume that their possessions are covered with their policy, but it’s often not the case. Even when you feel your stuff isn’t worth all that much, it’ll still be worth something to you if everything disappears in an instant. 

3. Mold in the Home 

Mold is excellent for nature outside, but not as much for the inside of your home. Protecting your home from mold can save you on repair costs you may not be able to pay. 

4. Security Alarms 

Home insurance is based on your risk. Having a security system not only can make you feel safer, but it can also make you look more favorable for getting better rates for your home. 

5. Home Insurance Know-How 

Eichelmann Insurance Agency can set your policy up with as much coverage as you need, and we can also give insightful pointers about how you can protect your home better in the future. We serve the homeowners of Dallas so they can sleep better knowing they set up a safety plan should the worst occur. Call us for more information or to get a quote. 

Making Your Next Move Green: Eco-Friendly Packing Ideas

Moving can be a stressful event. You have to pack, unpack, have utilities turned on and so much more. Luckily, there are many ways to make your move a lot less stressful. One way to minimize the stress of your move involves packing. By creating a greener move and incorporating green tactics into your packing, you can lessen your stress, reduce the impact on the environment and more. Here are some eco-friendly packing tips:

Use & recycle boxes

If you search around online or locally, you can easily find and purchase recycled boxes for use during your next move. Once you’re done and all unpacked, you can return your boxes so others can use them for their moves.

Donate unwanted items 

While packing and cleaning out your closets, you will undoubtedly come across several items that you no longer want or need. Instead of throwing these items out, why not give them away instead? If you can’t find friends and family who would like them, donating them to local thrift stores is another option.

If you find unwanted items that you wish to sell instead, then you could do so by placing an ad on your local Craigslist, in your local newspaper, or sell them in online auctions.

Eco-friendly packing is a great way to reduce costs and do your part in saving the environment. While making all of your eco-friendly preparations, don’t forget to contact an insurance agency to obtain your renter’s or homeowner’s insurance. Eichelmann Insurance Agency has agents standing by with the ability to answer questions, provide you with a quote, and assist you in any way necessary. You can start off your new move with a great policy that could save you money and give you peace of mind.