Monthly Archives: March 2012
Special Report for Homeowners Insurance Insider Reveals Little-Known Secrets:
Gas Prices may be going up, but your home insurance could go down: 10 Ways You Can Save $ on Your Homeowners Insurance — And Provide Better Protection for Yourself and the People You Love!
Compliments from Gilliland Insurance Group, Inc.
We would like to send you this report FREE, all we ask, is that you contact us to request a copy. Call us today 904-824-9877 or email your request to firstname.lastname@example.org Mention SPR31212
Your Homeowners Insurance May Provide Off-Premises Protection, But Policy Limits Differ, Says I.I.I.
NEW YORK, February 28, 2012 — Whether you are downsizing to a smaller home, safeguarding heirlooms after a death in the family or are simply a packrat who has accumulated too much stuff, many find storage units, including portable on demand storage (PODS), offer a useful solution for dealing with extra belongings. In fact, the Self Storage Association notes that one out of every 10 households in the U.S. currently rents some kind of storage unit. While storage units may be the answer to de-cluttering your home, adequate insurance coverage is the answer to protecting items while in storage, according to the Insurance Information Institute (I.I.I.).
- Look for a secure facility. Fencing that secures the entire property and access control are the very minimum that a storage business should offer.
- Consider the safety of the immediate area surrounding the facility. Does the storage building have onsite security features such as 24-hour video surveillance cameras and coded security pads to access the building? If so, does the code work only for your floor or for the entire facility? Are there video cameras throughout the building or just at the entrance? An informed manager should have the answers you need.
- Look for a unit with climate control options. This will ensure your appliances and furniture are not in a harmful environment. Very high or low temperatures, as well as dampness can quickly damage these items. Make sure that rising ground water from snow or rain is unable to penetrate your storage unit.
- Select a company that offers insurance along with their space. Find out about the facility’s procedures in cases such as fire, flood, etc. Make sure you fully understand how the insurance they are offering will cover any potential damage. Also, check with your insurance agent to see if your renters or homeowners insurance will cover you. The facility should also have their own insurance to cover damages or injuries that occur within their premises
- Make sure the storage facility is clean and well maintained. If a storage facility is not routinely and thoroughly cleaned, there is a good possibility no one is monitoring for bugs and rodent infestations. Be sure to verify the facility has a permanent, reliable pest extermination contract in place, before you trust them with your things.
- Check out the reputation of the storage company. Check with neighbors or ask the storage company for referrals.
- Information originally published by the Insurance Information Instituteused with permission
Outdoors: Check sprinkler systems for winter damage; remove plants that failed to make it; clean and sharpen tools (wear gloves and follow safety procedures); plan your spring time seed sowing; clean and dry bird feeders and nesting boxes, look for cracked or missing caulking around windows.
Indoors: Check for mold and excessive moisture – remove and clean; get rid of overwintering household pests with approved products and insect “bombs”; clean window screens; draw up a spring cleaning plan – one room at a time. Check out Martha’s Stewart’s Cleaning Checklist (a printable version)
Safety: Remember that Daylight Savings Time means darker mornings at first. If you or your children are up and out early, take extra safety precautions.