The Most Expensive Home Insurance Claims Infographic

This infographic comes from http://www.answerfinancial.com/insurance-center/most-expensive-home-insurance-claims-infographic/ and it covers "The Most Expensive Home Insurance Claims" from 2005-2009. Really well made and informative. Enjoy!


Home Insurance – AnswerFinancial.com

Just because you have home insurance doesn't mean it has to be expensive! Or if you don't yet have home Insurance and are in the Arkansasarea, contact Tberry's Insurance so we can help make sure your home,  business and vehicles will be safe and secure. Call  (479)-968-2633  today! Tberry's Insurance is a full-line Arkansas Insurance Provider. We cover home, auto and business insurances. Visit our site to see all the insurancewe provide.

Leave a comment if you know any other ways to save on boat insurance!

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15 Things Homeowner's Insurance Might Not Save You From!

Lots of things can happen to your home. You never can prepare for everything, and your homeowner's insurance may not cover all that can happen to your humble abode. Is mold secretly destroying your home? If a squirrel is in your attic and tears up your grandmother's antique oak coffee table, will you be covered? Most people think that your homeowner's insurance covers anything that can happen to your home, but you would be thinking wrong...

In the event that any of these things happen(or may be happening now) your insurance policy may not cover your damages. When you finish reading this, if anything sounds like even a remote possibility of coming true, please have a talk with your insurance provider about getting additional coverage. You can prevent, but it's much harder to take care of when the damage is already done.

1. Your Groceries From The Frizty Fridge!

There goes the groceries!

You just got back from the grocery store of your choice(hopefully not Wal-Mart, that place is insanity), and you just bought plenty of meat, veggies, fruits, drinks and snacks and crammed your fridge full. Next thing you know your house loses power for whatever reason and your fridge becomes warm for an undisclosed amount of time. You may think that you are covered, but actually you have to purchase an additional “refrigerated or perishable property” coverage or the $300+ you spent on your groceries will be gone forever just like your rotten eggs and spoiled milk...Don't cry though, most homeowner's insurance policies will accommodate you if you want this extra coverage.

2. Pet Damages

I swear the cat did it...

Getting a new puppy or kitty can be a great and rewarding experience. Even saving an animal from a shelter is a great service to those pets as they would be euthanized if you didn't come by and save them. Pat yourself on the back, I'll give you some time...BUT, those animals don't always come with the best manners, and may not know the difference between the chew toy you bought, and your expensive recliner. There is nothing you can do about this, and there is no coverage you can get that will cover pet damages.

It's always best when you have a new pet to separate them from the rest of the house with doorway gates until you can assess if they will tear up the rest of your house or if they're well-adjusted enough to explore your casa completely uninhibited. They are only material things when all is said and done, and teething is tough on anyone, even animals. You teethed once when you were a baby, and God only knows what you gnawed on to relieve the pain!

3. Dog Attacks

Does she look dangerous?

I wish this weren't a factor, but with all the bad owners that mistreat their animals, sometimes a pet is dangerous. Most of these types of owners choose certain breeds, and those breeds(Rottweilers, Dobermans, and Pitt Bulls to name a few) have been misrepresented as “high-risk” or “aggressive” dogs because of the terrible treatment they are put through. Of all those breeds I have seen some of the sweetest animals to children and strangers alike. Unfortunately, it is the canines themselves that suffer the worst, as the punishment for biting a human is usually to euthanize them. Nearly all insurers will not protect you from the charges of damages to property or persons with your homeowner's insurance for these “high-risk” breeds,even if you have coverage that supports dog-related injuries.

4. Rodent Damages

Why isn't there insurance for these guys?

As I mentioned above, you may think of rodents as mice and rats, but squirrels are also thrown into that lot. This means if Mr. Nutty decides to break into your attic and destroy your property, you won't be covered. Most insurance companies do not allow you to claim damage by rodents, but you're safe if a bird, opossum or bats invade your sanctum, even though I would classify them all as pests...

5. Keeping Up With Building Codes

Making sure your house is taken care of and up to date on municipal codes is 90 percent your responsibility with great insurance coverages. That means that only 10 percent of that cost is in place to help you after a natural disaster to get it back up to snuff. In other words, if it costs $5,000 to get code-compliant, your insurance will only cover $500 of the bill. I don't know about you guys, but I don't just have 4,500 dollars to throw around because the city decided to tell me I need a bigger attic.

6. Electronic Destruction From a Power Surge

Many people work from home now, and your computer is your gateway to your income. If you have a faulty or outdated surge protector, and you get a power surge, your computer may be ca putz. There is a silver lining though, because if the surge was caused by a lightning storm, then your insurance will cover the damage providing lightning damage is on your policy.

7. Damage From a Sewage or Water Supply Backup

Simply put if your house is flooded because of the water supply backing up or the sewage spewing back up and you don't have backup insurance, you're not covered. Make sure you check with your insurer what they will cover in the event of such a catastrophe. If they don't provide it inherently then you may be able to modify your policy for a n increased rate. The rate will depend on your insurer.

8. Erosion Damage

A good rule of thumb is anything gradual that happens over a long period of time isn't covered. It's only “sudden” and “completely out of your control” events that are covered, as most insurance agents will tell you. Bummer, huh?

9. Damage From Mold

Yummy...

Mold is a nasty thing, but it does take time to multiply and spread throughout your home. Starting to see a pattern here? Yep, you guessed it, the gradual damage of mold is not included in your insurance policy(just like so many batteries required by your child's toys are not included in the package, even though they always want to play with it right out of the box...) Please make sure you keep mold under control, not only for your home's sake, but black mold is fatal if the spores are ingested over a period of time.

10. General Neglect of Property

Just because you have homeowner's insurance doesn't mean you can let your house just fall apart and expect them to foot the bill. So that means it's your job to perform scheduled maintenance on your home to prevent water damage, keep pests out from invading your residence and wreaking havoc, and keep your foundation in check. Make sure that if your foundation is cracked and your house starts to sink, it isn't because some gophers or moles were allowed to burrow around your yard for years. They are classified as “rodents” you know?

11. Malicious or Intentional Damages by a Resident

Whenever your adolescent son decides to cherry bomb the toilet and flood your house, or your youngest daughter tries cooking her own macaroni and cheese and sets the kitchen on fire, home insurance will not foot the bill. They will cite negligence on your part for your destructive children.

12. Theft of Expensive Items

Standard policies usually won't cover more than $1,000 worth of damage or loss in the event of a burglary. That would be great if thieves knew to stop at $1,000 to make sure you can claim all of it, but if you have expensive jewelry, antiques or top-of-the-line electronics, they're going to indulge themselves. Talk with your insurer to get additional coverage for these so-called “luxury” items that society swears you need to not be seen as a hermit or social outcast.

13. Trampoline Injuries or Damages

True Story

The entire idea of a trampoline without a net wall or padding on the springs is a deathtrap. Did you know that some insurance companies won't even consider coverage for you if you have a trampoline? I didn't either, and the statistics for these torture devices are staggering: trampolines alone caused over 92 THOUSAND injuries. Not just minor scrapes and bruises either, these are injuries worthy of and emergency room visit!

14. Earthquake Damages

The majority of homeowner's insurance policies do not cover earthquake damages or their subsequent aftershocks. If you are one of the lucky few that have this specialized insurance, you'll find that because of the extent of damage to your home earthquakes will apply to your home, your deductible is almost always a percentage of your entire home's structural replacement value! Maybe that mansion on the San Andres Fault wasn't such a good idea after all...

15. Sacrifices of War

Huh, good God ya'll. What is it good for? Absolutely nothing! Say it again ya'll! Sorry, I couldn't contain myself. If your home is collateral damage in any kind of war battle or assault, your will not be covered by your insurance. After the Trade Center disaster, Congress passed the Terrorism Risk Insurance Act of 2002. So unless specifically stated in your insurance policy that you are not covered in the event of a terrorist attack, your home should be insured from their wrath.

There are so many things that can go wrong with your home. If you suspect any of these things may be going on, please make sure your homeowner's insurance policy has you covered, or will at least help with some of the repairs. Please make sure you have Homeowner's Insurance, and if you don't call (479)-968-2633 today! Tberry's Insurance is a full-line Arkansas Insurance Provider. We cover home, auto and business insurances. Visit our site to see all the insurancewe provide. 

Links to more articles about your Home:
5 Easy Ways to Save Money Insuring Your Home
How to Have a Safe Grilling Season
Infographic: Reassessing Homeowner's Insurance: A Checklist

All images are captioned. The captions are linked to their sources.

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How to Have a Safe Grilling Season

Source: http://www.oklahomafarmreport.com/wire/news/2012/05/00829_SafeGrillingB05232012_113854.php

The weather's getting warmer. Summer officially starts on Wednesday, June 20^th. This means that more people are spending time outside, and families everywhere are firing up their grills. Whether you use gas, or charcoal, the grill can be a deadly device if not properly taken care of or maintained.

Every year gas grills start over 500 fires and injure many people. The carbon monoxide emitted by charcoal grills cause 400 injuries and 20 deaths, recorded by the Insurance Information Institute. These numbers are unfortunately on the rise, and without proper safety precautions that trend will continue to increase.

Most Arkansas home insurances and Arkansas Renter's Insurance will help you with fire damage. You want your insurance to be a safety net, not a resource you have to call upon to raise your premiums. To prevent tragic events and destroyed property, follow these simple(yet often overlooked) tips for grilling out with the family:

• Make sure a fire extinguisher is available in case of an uncontrollable fire. In the event of a grease-fire, baking soda will snuff the flames better than anything else.
• Be familiar with your grill. Find the owner's manual, study it(yawn) and make sure you are aware of any risks your grill may hold, and for proper maintenance procedures.
• Clean the grill thoroughly, including external and internal parts. Any dirt or rust buildup should be cleaned off with a scouring pad or abrasive grill-cleaning device. Cleaning the grill will also make your food taste better, and avoid unsightly and unsanitary grease buildup.
• Inspect the charcoal receptacle, fuel lines, burners and any electronic components and make sure they are still working efficiently. Inspect your propane bottle for damage and proper filling procedure to avoid an explosion or leak.
• Be aware of your grilling station. Make sure it is outside to avoid carbon monoxide poisoning. Also sweep away any brush or other flammable materials to avoid having more fires than you can control!
• Keep your grill on a balanced, even surface to avoid tipping. A grill pad, made of durable plastic or cement, can protect your deck or other surfaces from hot grease and other grill residues.
• Wear a durable apron, tie back any long hair, keep sleeves rolled up or out of the way, and don't wear really baggy pants. These are all fire hazards and can be easily avoided
• When entertaining guests at a party make sure the grill is supervised at all times, especially when the cooking is done. A grill holds heat for a long period of time, and can still burn and set fire if tipped over or touched.
• Keep all children away from the grill. Teach at an early age not to touch the grill, and make sure they understand that only adults should operate the grill. Grill contact is one of the most common ways children under 5 are burned.

We hope you follow these rules for a safe and happy grilling season. If you don't yet have home insurance and are in the Arkansasarea, contact Tberry's Insurance and make sure your family and home will be safe and secure for Summer. Enjoy the sun and wear lots of sunscreen! Call (479)-968-2633 today! Tberry's Insurance is a full-line Arkansas Insurance Provider. We cover home, auto and business insurances. Visit our site to see all the insurancewe provide.

Visit our site: http://www.tberrysinsurance.com

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5 Easy Ways to Save Money Insuring Your Home

Everyone asks me what are some tips to save money insuring what most everyone has: a home. These 5 tips are very general, but you never know which one you may not have taken advantage of yet. We at Tberry's Insurance hope you can save some money on your home insurance, and we will give you a great quote for the Arkansas area!

Everyone needs home insurance, but you don't need to pay too much!

1.Combining your Insurance Policies

Most insurance companies sell multiple insurance categories simultaneously, and in most cases they will give you a discount for insuring multiple items. Generally you can save as much as 10 to 15 percent off your premium when you get two or more policies from the same insurer.

Always be sure, however, that your final combined price is not higher than getting two different policies with different companies. It always pays to shop around!

2.Keep up that Credit Score

Having a high credit score should already be on your list of important achievements in life. Another added benefit to having a high credit score is it may cut your insurance costs. More and more insurance companies are using your credit score to price your home insurance policies. In cases where your credit score will increase your insurance rates, you can always see and verify what they used to find your credit rating.

You should always be aware of your credit score, and there are many things you can and should already be doing to keep your score high. First, pay your bills on time! Next, keep your credit cards paid down so you're not accumulating high amounts of interest. These may seem like two obvious points, but they are critical in maintaining and raising your credit score.

3.Install Security Systems

Everything you install to protect your home can be something that may lower your policy. Some of the more obvious ones are smoke detectors, alarm systems, and multiple locking systems on your doors. Simply list these types of improvements when talking about a policy and see what the company will reduce from your policy. The benefits of these improvements are two-fold: Increased security and decreased payments!

4.Improve your Home's Resistance To Disaster

If your home is near a known disaster area (Tornado Alley, Sand Andreas Fault, etc...) Talk to your insurance agent on what ways you can improve your home's resistance to the elements. Upgrading an aged home's defenses with reinforcement for earthquakes or adding storm shutters to your windows for strong winds are all ways to save on your premiums.

Don't forget about your internal systems as well. You should consider your plumbing, electrical and gas systems and their condition to prevent water or fire damage to your home.

5. Raise your Deductible

This is one of the easiest ways to lower your payments, as the higher your deductible is, the lower your payments will be. People in more disaster-prone areas may not want to do this, but if you can afford the deductible with a “disaster fund” or something similar that you have saved to pay closer to $1,000 dollars, you will definitely save on your premiums. Check if your insurer provides different deductibles for different types of damage(like hailstorms or earthquake deductibles) to see if this method of lowering your policy premiums is right for you.

If you're an Arkansas resident and want to get a free home insurance quote to see how much you can save, call (479)-968-2633 today! Tberry's Insurance is a full-line Arkansas Insurance Provider. We cover home, auto and business insurances. Visit our site to see all the insurancewe provide.

Visit our site: http://www.tberrysinsurance.com

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Infographic: Reassessing homeowners insurance: A checklist

Infographic provided by Bankrate.com. If you're an Arkansas resident and want to get a free home insurance quote to see how much you can save, call (479)-968-2633 today! Tberry's Insurance is a full-line Arkansas Insurance Provider. We cover home, auto and business insurances. Visit our site to see all the insurance we provide.

Visit our site: http://www.tberrysinsurance.com

And our blog: http://www.tberrysinsurance.blogspot.com

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Visit our website!

Hello Everyone!

Our Natural State with the flag design in the center.

If you're an Arkansas resident, please check out our website for great insurance providers in your area! Call our office at (479)-968-2633 to see how much we can save you. We cover Personal as well as Commercial insurance, so check out our site and see what services we can provide you with.

In Personal insurance we can provide you:

• auto
• homes
• epli 
• boats 
• motorhomes 
• commercial auto

In Commercial insurance: 

• general contractors
• convenient stores
• restaurants
• day care
• rentals
• retail stores
• builder's risk
• truckers
• commercial property
• equipment coverage

Visit our site: http://www.tberrysinsurance.com

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