Rochester Insurance

How much “stuff” to you have? No, seriously: If you were asked to reel off a list of your possessions, how many would you recall? How many would you forget? Almost as important, how long would it take? The answers may not seem important now but, if you ever find yourself making a Rochester NY homeowners insurance claim, they could make all the difference not only to how much you get but also the hoops you may have to jump through to get it.

According to the National Fire Protection Association, cooking fires are the number one cause of home fires. Nearly all cooking fires start with the ignition of food or cooking oil.

Electrical faults cause around 55,000 home fires every year, killing 500 people, injuring 1,400 and costing $1.4 billion of property damage. The holidays are right around the corner and people in Rochester NY are starting to tax their electrical systems with lights and decorations!

Have you ever had a homeowners insurance claim? If you have, then you already know that the insurance company will want to know detailed information on what happened and what was damaged, stolen, etc. Here are some helpful tips from the Smith Insurance Agency in Rochester NY on how to prepare for your meeting with an insurance adjuster.

For some people, humidity in the home is a permanent fact of life. For others it’s a seasonal thing. But the hot summer months certainly are ratcheting up the humidity, which can be not only hazardous to health but also potentially damaging to the fabric of our homes. Improved technology and understanding of the issues have ushered in a new generation of dehumidifiers that can considerably reduce moisture and thereby improve comfort in the home. But what’s important and what should you look for? Here are some of the key issues:

You can’t see it. You can’t smell it. You can’t taste it. But radon gas is pretty much everywhere and high concentrations in your home spell trouble.

Preventing home injuries, including falls, fires/burns and poisoning, should be something that’s upper-most in our minds all the time, but the subject has an extra focus right now because June is National Home Safety Month.

Rochester New York Homeowners insurance premiums can put a dent in your family’s budget. You may, however, be overpaying for this coverage. The 5 savings tips from the Smith Insurance Agency in Webster NY below may reduce your homeowners insurance costs.

Winter wind, snow, and ice storms frequently damage electric power lines and equipment, resulting in interruptions of electric power. Most heading systems depend on electricity, and when the power goes off, so does the heat. In severe cold weather, this can result in extensive freeze damage before power is restored.

The Holiday Season is associated with family get-togethers, great family meals, and beautiful home decorations including lights, candles, and Christmas trees.