Do You Have Sufficient Home Coverage for Storm Damage?

Posted on April 20, 2017April 15, 2017 by agentinsure

Fierce winter storms can cause extensive damage to your Monroe, CT home. With home insurance from Fida Insurance Group, you can rest assured that your home and personal effects are protected against severe storms. If you live in an area where storms are prevalent, you should ensure you have adequate protection to meet your needs.

What Aspects of Storm Damage does Home Insurance Cover?

The average home insurance policy covers damage to your home structure and personal belongings due to inclement weather. This includes damage caused by falling trees or debris caused by severe winter storms, heavy rains, hail, winds and tornadoes or fire caused by lightning strikes. The amount of protection should coincide with the value of your property.

Flood protection is generally not covered within a standard home insurance policy. If you live in a flood zone, you should obtain flood insurance to protect your investment.

If storm damage makes your home unsafe to live in, loss of use insurance could cover your living expenses while your home is undergoing repairs. You can discuss this coverage with your insurer to get a better understanding of what it has to offer.

Home Upkeep Essential to Receive Coverage

Home maintenance is essential to getting the storm damage protection you need. If your house is in disrepair or suffers extensive wear and tear, your insurer could refuse your storm damage claim, stating that poor maintenance contributed to the damage. Keeping up with home maintenance to include roof repairs, regular cleaning of gutters and replacement of worn windows and doors reduces the risk of severe storm damage to your home. It also makes it easier to file for a storm damage claim if and when you have need.

For more information on how to obtain the best storm damage protection for your property, contact your Fida Insurance Group agent today.

Do Safe Driving Habits Help Reduce Premiums

Posted on March 15, 2017April 15, 2017 by agentinsure

Everyone is looking to reduce their insurance premiums, and some tips and tricks are not going to help. One tip that does help, however, is to be a safe driver. For those that live in or around the Monroe, CT area, the agents with Fida Insurance Group can tell you, being a safe driver certainly helps.

So how does safe driving help you to lower your monthly premiums? For starters, your premiums are calculated using a specific set of information that you provide. Your license number helps your insurance agency to look at your driving record to see what types of tickets you have had, what sorts of infractions, and what sort of accidents you have been in. The longer you record has been clean and free of infractions, the lower your premiums are going to be.

Insurance agencies have what they call high-risk drivers, those more likely to be in an accident, and low-risk drivers, those that are not likely to have an accident. Those that have a safe driving record are going to be considered lower risk drivers, which means, lower premiums. For those that have accidents, tickets, and infractions, they are going to be considered higher risk drivers.

There are also what are called safe driver discounts. Some companies offer discounts for holding a policy for a certain amount of time without having a claim or a reported accident. This can be a percentage of your premiums and coverage or even a partial reimbursement of your premiums from that specific range of time. No matter what, being a safe driver always pays off.

For those that live in the Monroe, CT area, the agents with Fida Insurance Group can help you find all the safe driver benefits you are eligible for.

Smart Home Security Tips

Posted on February 20, 2017February 18, 2017 by agentinsure

You want to keep your family and valuables safe. Fida Insurance Group in Monroe, CT has expert insurance agents available to advise you on how home security could affect your insurance policy.

Change Your Door Locks

With all of the excitement of a move, it is easy to forget that your home may be brand new to you but was someone else’s previously. Change all of your doors’ locks, including the bedrooms and garage doors. If you’re renting, you may need to contact your landlord before changing the locks and give them an extra set of keys.

Add an Alarm System

Mostly, alarm systems are a deterrent for burglars. Once they see or hear an alarm go off, they are likely to run away. But if they are bolder, an intruder may try to break in regardless of your system. The good thing about having an alarm is that the system immediately notifies your security company if there is an intruder. The company will, in turn, contact the police and send them to investigate the disturbance.

Protect Your Home When you’re Away

If you are away from your home on vacation or a lengthy business trip, keep the lights on at night. Install an automatic light timer that will turn your lights on and off during non-daylight hours or have a friend stay to show a presence in the house.

Call your local newspaper delivery service and the post office and have the deliveries stopped until your return date. A pile of newspapers and packages at your doorstep is an indicator to thieves that you are not home and won’t be back for some time.

In Monroe, CT, the independent insurance agents at the Fida Insurance Group can help you keep your home secure with homeowners coverage and any additional insurance that you may need.

Is Your Home in Good Shape for Winter?

Posted on January 31, 2017February 6, 2017 by agentinsure

It is the middle of winter now in Monroe, CT, which means cold weather. When it’s cold, it is nice to come home to a warm and cozy house. To keep your home comfortable and safe all winter long, it is important to take a few steps to winterize it. Even though we are well into the season already, at Fida Insurance Group, we believe it is never too late for routine maintenance that helps to preserve your home. If you haven’t prepared your home for winter, or have recently moved to the area, here are some steps to take get it in shape.

Winterizing the Exterior of Your Home

You may have already begun to use your fireplace. However, you should still inspect the chimney if you have not already done so. Check inside the fireplace for debris. Examine the bricks and mortar joints around it. If any of these are damaged, repair them. While on the roof, inspect your shingles and flashing for damage. Any kind of roof damage can lead to water leaks from rain or melting ice and snow.

Winterizing the Interior of Your Home

To ensure that the cold air stays outside, make sure that your windows and doors are properly sealed. Replace the caulking around the windows if you feel a draft. For doors that lead to the outside, the weather stripping may need replacing if air is seeping in. Add insulation in the attic if you can see the ceiling joists. By taking these steps not only will your home stay warm, you may even notice a difference on your next energy bill. If you need assistance, contact one of the agents at Fida Insurance Group of Monroe, CT. We are here to help you.

The Best Things to Do Before a Winter Storm

Posted on December 23, 2016January 23, 2017 by agentinsure

Winter storms are a common occurrence in Monroe, CT. Even if you are used to them, you may not be properly preparing for them. Before the next winter storm comes, be sure to use these tricks so you are fully prepared.

Stock Up on Food and Water

Winter storms can be unpredictable and you want to make sure you have enough food and water in the home for everyone to survive on for a few days, just in case you are stranded. When choosing food, you may want to opt for some options that do not require any cooking in case you lose power at any point during the storm.

Get Salt

More than likely, you will get some ice on your driveway and walkways. To help speed the melting process up, put some salt, sand, or cat litter on these areas before the storm. Even if you cannot do this before the storm, have some so you can put it on after.

Get Other Essentials

You should also get some items that you may need like an emergency kit, candles, fireplace supplies, and extra blankets. Make sure you are prepared for anything including a power outage. It is always good to have a heat source so make sure you have everything you need for your fireplace.

Even when you are prepared for a winter storm, things can still happen and you may have damage to your home. The best way to protect your investment is with a great home insurance policy. If you are looking to get your first policy or simply want to shop around for a new one, be sure to contact our office serving Monroe, CT. Fida Insurance Group can get you some quotes that you can afford for policies hat can protect you.

It’s a New Year! It’s Time to Review Your Home Insurance Policy

Posted on November 17, 2016December 29, 2016 by agentinsure

Happy New Year! It’s time for making those resolutions. It’s also a great time to review some of your past accomplishments, like buying your Monroe, CT home, and ensuring it remains protected in the future. When was the last time you checked your home insurance policy? Will it still take care of you in case of sudden loss?

What Is Your Home’s Assessed Value Now?

Now is a good time to give your agent at Fida Insurance Group a call and find out how much your home is valued for on your home insurance policy. Then check your tax records. Property values have been climbing in recent years. Would your policy cover the cost of replacing the house if it was lost due to a fire? If you have owned your home for ten years of more, there’s a good chance your coverage needs updating.

Is Your Small Business At Risk?

Is the liability section of your home insurance policy sufficient to protect your other investments, such as a small business? Should somebody suffer an accident on your property, it’s important that your policy is able to take care of their medical bills and expenses without impacting the quality of your life or your business concerns. What was enough when you bought the home may no longer provide the coverage you need now.

Are You Getting All Your Discounts?

Maybe you might save a few dollars when you talk to Fida Insurance Group. If you have completed security improvements to your Monroe, CT area home or have insured other property, you may be eligible for significant savings.

Set up an appointment with us today by giving us a call. We look forward to working together in the new year.

Need Home Insurance in Monroe, CT? You Need a Trusted Agent

Posted on October 19, 2016November 19, 2016 by agentinsure

When you buy a great new home in Monroe, CT, one of the things you will need to do is protect your investment. You can do that through the right home insurance policy, and to get that policy you will want to work with a trusted agent who can provide you with plenty of information on the policy, the coverage amounts, the cost, and other factors. Getting your questions answered is important, and having an insurance agent who can answer those questions for you matters. By seeking out that agent from FIDA Insurance Group, you can have the peace of mind that comes with knowing you have the right coverage.

Whether you have a mortgage and need coverage for the lender, or you just want to make sure the investment you made in your home is protected in case of a loss or claim, the home insurance policy you have should be able to meet your needs. As those needs change, you may also need to adjust your policy so it work with the changes in your life. Those changes can come from downsizing, getting a bigger home, making improvements, or many other factors, so having an agent who can help you through all of that is the right choice.

When you work with the independent agents of FIDA Insurance Group to get coverage for your Monroe, CT home, you will have not only peace of mind but a policy that is affordable on your budget and protects you the way you need. As your needs change in the future, reach out to your agent for adjustments, suggestions, and answer to your questions. Then you can be sure that the home insurance policy you have is really the right one for you.

Cleaning Up Debris in the Fall and How It’s Connected to Home Insurance in Monroe, CT

Posted on September 15, 2016October 25, 2016 by agentinsure

If you live in Monroe, CT, you are likely no stranger to the seasonal changes that take throughout the year. The autumn can be a particularly concerning time for homeowners, as this time of the year presents challenges that, if not dealt with properly, can end up costing a great deal of money and even driving up home insurance costs. It would be a good idea to go over your home insurance policy in order to make sure you are as prepared as possible for this seasonal change.

One major concern during the fall season is that accumulation of dead vegetation, such as dead leaves. If you are experiencing a rainy autumn, you should make sure that this debris is cleared from your gutters. Clogged drainage systems can lead to water backup problems can can end up costing you a lot of money. If you are experiencing a dry autumn season, the extra debris can put you at greater risk for fires. In either case, it is a good idea to clear away the debris, so that you can avoid what could become very costly damage to your home and belongings that may extend even beyond your home insurance coverage limits.

If you want to know more about what you can do to prepare for autumns and winters in Monroe, CT, you should contact the professionals at Fida Insurance Group. Here, we have many insurance agents who will be able to answer your questions and tell you how you can minimize any costs related to your home. The agents of Fida Insurance Group can give you all of the information you need about home insurance and other costs pertaining to your domicile.

What You Should Know About Commercial Auto Insurance

Posted on August 9, 2016October 25, 2016 by agentinsure

If you are just starting your business, or you’ve been in business for years, ensuring that you are prepared for the unknown is a big deal. Risks to your business are ever-present. In particular, if you have drivers driving your company vehicle, then your business is exposed in some different ways. Fortunately, our team at Fida Insurance Group can help you understand commercial auto insurance, which underscores the need for you to have it.

Commercial Auto Insurance Comes with Larger Limits

It only takes a moment to compare your declarations page for your commercial auto insurance policy to your personal policy to see there is a difference. One main difference is the coverage limits. As a business, lawsuits typically cost you more. As a result, your commercial auto insurance policy will have larger limits than your personal insurance policy for your vehicle.

Commercial Auto Insurance Covers You for Business Purposes

Commercial auto insurance is specifically for your business vehicles. If you are using your personal vehicle as your business vehicle, and you allow others to drive your vehicle for personal reasons, you may not be covered. Your commercial auto insurance limits who can and who can’t drive your business car. To ensure you are covered at all times, you should speak with us about the limitations of your commercial auto insurance.

Small Businesses Need Commercial Auto Insurance Too

Size isn’t a factor when it comes to commercial auto insurance. If you conduct business using a vehicle, then it’s likely you need commercial auto insurance. By purchasing commercial auto insurance, you are protecting your business. You may find that your personal auto insurance may not cover you if you get into a wreck while you are working.

Learn more about our commercial auto insurance products by visiting our website. When you are ready, you can give us a call to get a quote for your next policy.

Do You Really Need Life Insurance: Why life insurance is non-negotiable

Posted on July 6, 2016October 25, 2016 by agentinsure

Living a long, happy life with the people you love is what the world is all about. With families, friends, and celebrations, it can be difficult to begin to plan for life insurance and considering how to protect your family when you are gone. While it is admittedly a difficult task to consider what will happen after you pass and how well taken care of your family will be, it is totally necessary. But, why is life insurance necessary?

1. Life insurance will help pay off debts- You may have unsettled debts that will then become the responsibility of your spouse when you are gone. This can spin your family into financial ruin if they are unprepared to pay off these debts. Life insurance funds can help pay for those debts and help keep your family afloat.

2. Life insurance will help to maintain your family’s lifestyle- The truth is that, when you are gone, your income will be gone as well and can potentially throw your family into a financial crisis. Life insurance can help your family maintain their lifestyle, bills, and priorities as they did before.

3. Secure your family’s financial future- Aside from bills, if you have children, your life insurance can contribute to their educational future that can otherwise be difficult to pay without you there.

Our agents at Fida Insurance Group can go over your concerns and needs when it comes to life insurance and how we can service you and your family. We understand that it can be a difficult topic but our agents want to make the process smoother.

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Author: agentinsure