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Emerling Agency, LLC Blog: homeowner

View the latest blog posts from Emerling Agency, LLC.

Let’s say that during a home inspection, termites are uncovered. Or, perhaps, years of mice living above your garage have damaged the electrical wiring in that area. Either of these situations could be threatening occurrences, that might create a safety risk in your home. READ MORE >>

Local crime can be a big factor in the amount of home insurance you need to protect yourself. Most people only think about things like fire risks and storm threats. Yet, crime plays a role in the frequency of home insurance claims. Because it can occur frequently in some areas, that can raise your costs. READ MORE >>

Squirrels can be cute and fuzzy when they’re chewing acorns in your backyard. But those teeth aren’t as cute when they’re gnawing wires in your home or tearing up insulation. Squirrels don’t have the “icky” reputation of other household pests… but they’re still wild animals, and they can do serious damage. READ MORE >>

Each home you own is valuable. As a result, each property should have home insurance for it. Buying a second home can be a fantastic investment, especially if it is for a vacation home. But, each property has its own risks and needs homeowners insurance coverage based on how you use it. READ MORE >>

Fallen trees and branches are a significant cause of damage and power loss after a thunderstorm rolls through. But if a neighbor’s tree falls on your property and causes damage, who is responsible? In most cases, it’s your homeowner policy that will cover the cost of the damages, subject to the policy’s coverage language. READ MORE >>

We all have things that we collect and buy that are totally worth the splurge—jewelry, artwork, musical instruments, bicycles, collector items, silverware, golf equipment, firearms, cameras, coin or stamp collections and more. Some of it might be quite valuable and require special insurance coverage. READ MORE >>

Fallen trees are common, especially this time of year with the heavy winds & snow.  Here are five important things to keep in mind: 1. Your homeowners insurance likely covers tree removal and damage repairs for your home and other insured structures, such as fences. READ MORE >>

Do you have a young adult heading off to college? College can be a fun time for the student but a stressful one for the parent. Reduce some of the stress by planning ahead to make sure your college student has appropriate insurance protection while away at school. READ MORE >>

There are many common myths about potential dangers in and around the home that can keep some homeowners up at night. However, the gap between myth and fact can make all the difference when it comes to reducing risk in your house. So what does the data tell us are the biggest risks to your home? READ MORE >>

Could you live without your clothes dryer? For many people, the clothes dryer is indispensable, but an improperly installed appliance could easily catch on fire. According to the U.S. Fire Administration, fire departments respond to roughly 2,900 clothes dryer fires each year, with an estimated $35 million in property damage. READ MORE >>

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