Category: Home Insurance

Everyone loves having visitors to their home but there is always the what if, what if they get hurt, how will I pay the bills, how will the issue be resolved? What most people do not know is that if someone is injured on your property or in your home, if you are insured, they are covered as well. For those in the Monroe, CT area, the agents with Fida Insurance Group can explain further.

Insurance on your home works to help protect you from any event that might happen. This means that it also protects you if your visitors are injured while in your home. This means that they will not be able to sue you personally but rather can file a claim with your homeowner’s insurance to help cover their medical costs. There are some stipulations, however.

The first is that they have to have been injured as a result of something in your home or your property itself. If they are stung by a bee, for instance, this would not be covered simply because it is a force of nature. If they fall into a hole on your property however and break their ankle, their claim would be covered. Similarly, if there was a tornado and they were in your home when it occurred and were injured the home and your visitors would both be covered.

The best way to see if you are insured is to talk with an agent and go over everything that the policy covers. As a general rule, homeowner’s insurance is in place to help maintain and protect the home as well as protect the homeowner. For those that live in the Monroe, CT area, the agents with Fida Insurance Group can go over each and every eventuality and help you find out just what your policy covers or what it might be lacking.

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.

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. 

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.