Home insurance is something that should be tailored to each home and each policy holder and as such you might end up needing less coverage than you think you need. The best way to be sure you have the right coverage is to work with an agent to make sure your policy and your coverage is right for you. The agents with Curtis Miller Insurance can help those in the Parkersburg, WV area find the right coverage each and every time.

The main reason that someone might end up needing less home insurance than they currently have is depreciation of the home. Say for instance you took your home insurance policy out ten years ago. Since then your home has had a few repairs, has become out of date in regards to things like the kitchen and bathrooms, and your home is generally in not as great of a state as it was when the policy was taken out. Usually, this is not a huge issue and many homeowners choose to continue paying higher premiums to keep the same amount of coverage. For some, however, reporting depreciation can help you to have a lower monthly premium.

You might also have less contents also that would help to lower your monthly premium in regards to the amount of coverage you would need for home contents. You might also experience the need for less coverage if your home is not worth what it once was worth. It is important to have the correct amount of coverage for your home and having more coverage is better than not having enough. For those in the Parkersburg, WV area, the agents with Curtis Miller Insurance can help you find the proper coverage for your home and particular needs and coverages.

Before traveling for the holidays, take time to safeguard your property. By taking precautions, you can avert problems with theft or damage to your property during your absence. Here are a few tips on how to keep your home safe while on holiday.  

Mail/Lawn

Have a neighbor pick up your mail daily or request that your post office hold it during your absence to avoid having an overflow of letters in your mailbox. If you have a newspaper subscription, put it on hold during your travels.

For extended holidays, have someone mow the lawn or shovel snow from your driveway, depending on the season, to give the impression that someone is home.  

Timers

Invest in timers to turn on lights, radio or TV during the evening so no one will suspect that you’re not home. Thieves are less likely to target a home that looks like it’s occupied. Unplug all appliances not on timers to minimize the risk of power surges causing an electrical fire.

Holiday Plans

Don’t advertise your travels to the public as you never know who’s listening. Share holiday plans with family, close friends or a trusted neighbor in private who can keep an eye on your property while you’re gone. Leave spare keys with someone you trust in case they need to get in the house due to an emergency during your absence.

Valuables

Lock up costly jewelry, important documents and other valuables in a safety deposit box or safe as an extra precaution against theft.

Home Insurance

Make sure you have adequate home insurance coverage to protect your property. Contact Curtis Miller Insurance, Parkersburg, WV, before traveling to discuss home insurance options. With the right insurance policy from Curtis Miller Insurance, you can travel in peace knowing your home in Parkersburg, WV, is well protected against any eventuality.