Preparing your house for a storm in the Brooklyn, NY area can be a daunting task, but there are some simple steps you can take to ensure you and your family stay safe. Here are a few tips from us at VAC Insurance Agency to help you get ready.
Tips to prepare your house for a storm
1. Inspect Your Home
Before the storm hits, inspect your home for any potential sources of damage. Check for loose shingles, broken windows, and any other areas that could allow water to come into your home. Make sure gutters and downspouts are clear of debris so water can flow away from your home.
2. Secure Outdoor Items
Tie down or store any outdoor items, such as patio furniture and grills, that could be picked up by strong winds. Secure garbage cans with bungee cords or straps to keep them from becoming projectiles in high winds.
3. Protect Windows
Install storm shutters on all exterior windows, or use pre-cut plywood to board up windows if shutters aren’t available. This is especially important if you live in an area prone to storms with high winds and hail.
4. Stock Up On Supplies
Have plenty of bottled water and non-perishable food items on hand in case the power goes out during the storm. Make sure all flashlights and radios have fresh batteries so you can stay informed about weather updates if the electricity goes out.
Reach Out To Us
With these tips in mind, you’ll be well prepared for when severe weather strikes! For more tips, call us at VAC Insurance Agency today. We are proud to serve the Brooklyn, NY area and would be glad to answer all of your questions.
Did you know that if you carry a mortgage on your home, it is necessary that you insure it with homeowners’ insurance? If you live in or near Brooklyn, NY, the VAC Insurance Agency can explain all the particulars.
Why Home Insurance?
The main reason for homeowners insurance is to protect the homeowner. You will be covered if your home is damaged in a weather event, fire, or any other covered event.
Another reason is that almost all lenders require that the property be insured for 100% of its replacement cost. Their main concern is making sure the home can be rebuilt in the event of a disaster. The insurance protects the lender’s financial interest in the property.
Homeowners’ insurance combines various personal insurance protections which include losses to the home, and its contents, loss of use, and liability insurance for accidents that occur on the property.
There are no state laws where homeowners’ insurance is required. But in the event your property is mortgage-free, it is still recommended that you carry an insurance policy.
If someone visits your home, falls, and is injured, the policy will pay for any medical expenses relative to the injury. If you have a dog and it decides to bite your neighbor, any legal expenses resulting from the bite will be covered. If you do not have insurance coverage, all associated costs will be paid by you out-of-pocket.
There are some things the policy will not typically cover:
- Acts of war
- Infestations, including termites
- Nuclear accidents
- Sewer backup
- Water damage
Contact Us Today
If you are a homeowner or are thinking about purchasing a home, make sure you have a policy in place prior to the purchase. Your mortgage company will want evidence of coverage prior to the closing. Contact the insurance professionals at VAC Insurance Agency in Brooklyn, NY today for a quote or an answer to any questions you may have.
When you own a home, it is highly important that you protect it with a home insurance policy. It’s a good idea to have home insurance whether it’s required for you or not, though most people are required to have it by their lender or by their homeowner’s association. This insurance gives you valuable coverage that can protect your finances against a number of serious risks. To get your home insurance, give us a call now at VAC Insurance Agency in Brooklyn, NY.
Why Every Homeowner Needs Home Insurance
One of the most important ways that home insurance protects you is by giving your home protection against a wide range of damaging events. These often include things like accidents and certain disasters that can cause untold damage to your home. When a damaging incident does happen to your home, your home insurance can pay to get the repairs that are needed. The policy may even pay for you to live somewhere else while the repairs are being done if that is needed due to the home being unlivable.
In addition to offering protection for your home, these policies also offer protection for your belongings. This protection may not seem that important, but just consider how much all of your items added together would be worth. It may be nearly as much as your home is worth. This protection is vital to have in case a damaging event causes serious damage to what you own. The policy can then pay for you to replace those items so that you can keep your standard of living.
Protect Yourself With Home Insurance
It’s always smart to have this insurance if you’re a homeowner. To get a policy of your own, call us at VAC Insurance Agency in Brooklyn, NY to get started.
If you have home insurance in Brooklyn, NY, you expect it to cover your building structure and the assets inside. Also, your insurance agent must have told you that home insurance covers you against liability claims and pays for additional living expenses when your home is deemed unlivable. While home insurance covers you against several things, it isn’t entirely faultless. Your home insurance has exclusions and limitations. If you buy standard home insurance from VAC Insurance Agency, it’s unlikely to cover the areas below:
5 Common Risks not Covered by Typical Home Insurance
Floods are the most common natural disaster in America. Unfortunately, basic home insurance doesn’t protect your home against flood damage. However, you can purchase flood insurance to protect your home against floods.
Your typical home insurance is unlikely to cover earthquakes, landslides, and other earth movements. However, you can bolster your home insurance by purchasing earthquake insurance as an endorsement.
Pest and mold infestation
Your insurer will likely ignore any claim you make for damage caused by neglect or failure to maintain your home properly. If mold and pests damage your home, your insurer won’t consider any claim for such damage as you are supposed to take the necessary steps to mitigate these risks.
Risks surrounding your boat
Your home insurance is likely to cover your water vessel up to $1,000 if it’s stolen within your home and not a location far from your home. Furthermore, home insurance won’t cover liability claims when using your boat. If you want optimal protection for your boat, purchase boat insurance.
Clogged and broken sewer lines may cause internal flooding in your house. While sewer back-ups are common, your typical home insurance doesn’t cover the resulting damage.
Want to learn more about your home insurance policy in Brooklyn, NY? Please book an appointment with VAC Insurance Agency for more information.
Owning a home is a big responsibility, and part of that responsibility is to have a home insurance policy. If you have a mortgage, your lender likely requires you to have this coverage. However, even if it isn’t required for you, it’s important to have a home policy to help keep you financially protected. A home policy offers many different types of coverage for different incidents and situations. If you don’t have a home insurance policy, give us a call at VAC Insurance Agency in Brooklyn, NY.
The protection of your house is one of the most important aspects of home insurance. This coverage offers protection for your home in case any of a number of covered incidents happen to your house. The incidents may be certain disasters, accidents or other things that can happen to damage a home. In case that should happen, it’s important to have this coverage in place to save you financially. The policy pays for repairs that have to be made to your home after a serious incident occurs, and it can pay to have the whole house rebuilt if needed.
The items inside your house also need protection, and your home policy will do that. If something were to happen to ruin your belongings, your home insurance would pay for the items to be repaired or replaced. When you consider how much it would cost to replace what you have, it’s easy to see how valuable this coverage is.
Get Protected by Home Insurance
If you own a home, make sure that it is always covered for as long as you own it. If you have questions about home policies or want to get started, give us a call at VAC Insurance Agency in Brooklyn, NY to find out more about it.
VAC Insurance Agency offers many different types of insurance for residents of Brooklyn, NY and surrounding areas. Today we’ll be sharing some insight on the importance of flood insurance for homes, apartments, commercial buildings, and other dwelling areas.
Flood insurance is not included in standard homeowners and renters policies in the state of New York and therefore needs to be purchased separately. Floods do pose a threat to New Yorkers and should be treated as such.
Many insurance agencies offer flood insurance without emphasizing its importance for homeowners, renters, and building owners – we are here to make sure you fully understand what flood insurance can provide you in the event that your home is affected by flooding.
Flood insurance provides coverage if there’s any structural damage to your home, including water heaters, floor surfaces, and after flood cleanup.
It’s simply not worth the risk to skip out on flood insurance when you live in an area that is at moderate or high risk for flooding. Getting caught without flood insurance, whether you own a home or you’re a renter, is a surefire way to risk paying out of pocket for the damage and repairs that water damage can cause.
If you live in the Brooklyn, NY area and need a flood insurance policy that will protect your home and personal belongings, finding a qualified agent is your first step. The team at VAC Insurance Agency is here to help, and we’re backed by years of experience in purchasing insurance plans for families.
We know each of our clients has individual needs, and we take pride in treating each one as our most important client. Don’t wade through the muddy waters of flood insurance alone. Contact us today!
If you have home insurance, you may not realize exactly how much protection it can offer to those who are visiting your home. Actually, home insurance can do a lot to help your guests and ensure they have protection just like you do.
So, exactly how can your home insurance protect the people in your home? VAC Insurance Agency providing service to Brooklyn, NY can help you.
Home Insurance Covers Stolen Items
If your guest has items stolen from your home, you may be surprised to learn that your home insurance can help cover some of these items. Your policy may cover some items stolen from your property, even if they were not inside your home. Each policy is different, and it’s important that you read the documents of your policy.
Home Insurance Covers Vandalism
In some cases, vandalism also extends to property owned by guests at your home. If somebody spray paints items on your porch, for instance, you may want to know if your policy covers those items. Your documents will help you determine if your guest’s items are covered.
Home Insurance Covers Injuries
If somebody is injured at your home, their medical bills may be covered by your home insurance policy. For instance, somebody might trip over a step and break their wrist when they fall. Your insurance may protect you from a lawsuit to cover medical bills while potentially covering medical expenses.
Protect Your Guests With Home Insurance
If you live in Brooklyn, NY, VAC Insurance Agency can help you find the right policy to meet your needs and the needs of your visitors. When you have the right insurance policy, everybody is protected.
When you live in New York, storms are a part of the life of living on or near the seaboard water. It can make you feel like your home insurance is a nightmare.
At VAC Insurance Agency, we can help Brooklyn, NY residents storm proof their homes. Use these tips to storm proof your home, and you won’t stress nearly as often about your home insurance when those storm surges are on the horizon.
Fix Your Roof
Roof problems are an insurance nightmare, on a normal day of the week. During storm season, they cause even more stress. Before storms hit, make sure that your roof can handle that stress so that your insurance company doesn’t have to.
Storm damage to a roof can cause any problem from roof repair to massive flooding. It might also cause rot or mold, or major property damage. Fix your roof before the storm.
Clean Up the Landscape
When you are storm proofing is the time to clean up your landscape. Cut back any tree branches or foliage that might come down and cause property damage or a slip and fall liability.
Any landscaping that is near the home will need to be trimmed back or removed.
Clean Your Gutters
Heavy gutters from previous storms or seasons can be a mess when a storm arrives. It will be a mess at home, and with your insurance company.
If there is damage here and a storm hits, water flow might cause incredible flooding.
Protect Yourself Today
When you are getting ready for a storm in Brooklyn, NY, you will feel overwhelmed. These are the most basic tasks to start with to storm proof your home. There’s only so much you can do when Mother Nature hits. Let us help. Call VAC Insurance Agency for a quote today to make sure your home is covered.
If you own a house in Brooklyn, NY, you can’t afford to live in it devoid of proper home insurance. It’s prudent to safeguard your home and belongings to help you get on your feet following an unexpected eventuality. When shopping for a superb home insurance policy in Brooklyn, NY, you should look for a home insurance policy from VAC Insurance Agency to safeguard you and your dwelling.
Home insurance isn’t legally required in New York, but many home lenders require it as a prerequisite as long as the loan facility is outstanding. But whether home insurance is needed or not, it’s a worthwhile investment that every homeowner should consider.
Why you need home insurance
Your home is likely one of the most precious assets you possess. As such, you need to secure it with home insurance. Here are reasons you need to invest in home insurance:
- Protection of your assets: If your personal property in your dwellings, such as furniture, clothing, and electronics, are vandalized or stolen, personal property coverage helps to pay for their replacement after loss or damage from a covered peril.
- Liability protection: If you or your family member are legally responsible for destroying other people’s property or inflicting injuries to someone, liability coverage comes in and helps cater for repair costs, medical costs, and possible legal fees.
- Protection of your investment: Home insurance policy guarantee that your house is protected from unforeseen uncertainties such as explosions, storms, theft, fire, lightning, and other risks. The dwelling coverage protects the structures of your home, including floors, walls, and in-built appliances.
- Safeguards your guests visiting your premises: The medical payments coverage pays for medical costs for the injured guests while on your property, irrespective of who is at fault.
- Protects other structures: Unattached structures to your home such as gazebo, shed, and unattached garage are covered by adding other structures insurance in your home policy plan.
Your home insurance should be unique to your home and your needs. To learn more about home insurance policies, call or visit our offices at VAC Insurance Agency located in Brooklyn, NY today!
The Brooklyn, NY area is a great place with a lot of history. When you live here, you are going to have access to many professional opportunities and fun activities all over the main New York City area. If you decide to buy a home when you are in this area of New York, you will want to know that it has the right insurance. Your home insurance plan can protect your Brooklyn property in several ways.
Coverage for Dwelling
A way that your home insurance plan can protect your property is by protecting your dwelling. If there is ever a fire, a bad storm, or even vandalism, it could result in significant damages to your home. Fortunately, you can mitigate these damages if you get a full home insurance plan. This insurance will provide the coverage necessary to repair your property to ensure you can use it for years to come.
Personal Belongings Coverage
You can also get protected through a home insurance plan by getting protection for your personal assets. Most people will accumulate a lot of personal items as the years go by. These items could include furniture, electronics, or even clothing. If there is ever a fire or theft, you could lose these items. If you get home insurance, you will also receive a provision that can be used to mitigate this risk by providing coverage for your personal assets.
A Brooklyn, NY property owner needs to take their insurance needs seriously. One form of insurance that many people in this area need to get is home insurance. If you are looking for a plan, you should call the VAC Insurance Agency. The VAC Insurance Agency team understands the importance of this coverage and offers guidance to help you build a quality plan.