Tag Archives: homeowner

Top 3 Reasons to Install a Home Security System

When I watch the evening news it makes installing a home security system seem like a logical decision. The Top 3 reasons to install a home security system: Protection: Everyone has a different level of need for protection. It’s a simply formula of whom, what and where. The basic math is the more “who‘s” your are responsible to keep safe and the more “what’s” you have collected along the way, the more protection you and your family need. There may be times in our lives when we have few possessions and only need to take care of our own personal … Continue reading →

Homeowners Guide For Action When The Power Goes Off.

There are many reasons power to a home can be disrupted. The best way to avoid losses caused by power outages is to be prepared and understand what steps you can take to reduce risk of secondary losses. Homeowners should have regular inspections of the interior and the exterior electrical wiring. Surge protections and understanding how to prevent damage to personal property is a vital preventative measure. In some areas of the country, an alternate power sources, such as generators, maybe a good idea, especially where electricity is needed to pump water from their private wells or run medical equipment. … Continue reading →

Earthquake Insurance

The standard homeowner insurance policy doesn’t cover earth movement claims. An earthquake might be the first thing that comes to mind when someone thinks about earth movement, but earth movement includes, landslides, mudslides, mudflow, sinkholes or other movement of the ground involving sinking, rising or shifting of the earth. In most homeowner and renter policies earth movement is an excluded loss and means claims aren’t covered unless the policy holder adds an endorsement for earthquake coverage. It’s up to the consumers to decide if their own situation requires an earthquake insurance endorsement. Earthquake insurance usually excludes any losses caused by … Continue reading →

Are You Buying or Selling Your Home? Consider the Benefits of A Home Warranty.

A Home Warranty is an affordable and easy way to help make your home sale listing more attractive to possible home buyers. They offer protection to homeowners before, during and after the sale of the house. Buyers are assured their home investment is covered for mechanical failures of covered components for a full year and most warranty’s are renewable. A Home Warranty provides service coverage for the things the ordinary homeowner insurance policy considers as routine maintenance or ware and tare items. Homeowners who have home warranty coverage can be sure when there’s a problem with covered home systems or … Continue reading →

Is Your Home In The Wildland-Urban Interface?

It won’t be long before the hot, dry days of summer return along with the increased risk of wildfires. During wildfire season, homes and landscaping interact with nature and the results can often be increased or reduced risk for complete loss of your home and everything inside of it. Even with the wide difference in climates and settings there is no region safe from the devastation of wildfires. The greatest areas of risks are where homes and dwellings are built next to forest lands. These areas are often referred to as the wildland-urban interface. As we push out the boarders … Continue reading →

Eliminating Risks

My husband and I are in the middle of moving to our dream home after two years of looking for just the right place. He originally wanted to find some property on the Columbia River I wanted a view. During our long and painful hunting we found some very wonderful homes some filling his dream and some mine. One of our major concerns about our new home is that we can live there for a long time and face minimal risks. It didn’t take a lot of hunting for us to realize living on the river itself was more risk … Continue reading →

Eminent Domain and the Homeowner

What does Eminent Domain mean to you? It used to mean that the government had the right to take (usually condemnable) property, at a fair rate, to use it for roads, hospitals, or some other community necessity. Today it means you could lose your home if someone can make the government more money with your property. News reports indicate that thousands of properties have been targeted in the past few years, and these are not instances where the land is needed to provide necessary improvements or services. These properties are being taken and given to others under the guise of … Continue reading →