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Partners Insurance & Financial Services, Inc.

6472 Farmdale Road
Barboursville, WV 25504

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Month: June 2021

Is It Time to Update Your Commercial Insurance?

Posted on June 14, 2021June 14, 2021 by admin

While taking out mortgage loans, most lenders will demand that you purchase a home insurance policy. Assuming you already adhered to this requirement, you should now embark on reviewing your insurance policy anytime you make changes either to your home or lifestyle. 

Failure to review your home insurance plan regularly means you are underinsured — something that would see you bearing bitter consequences should anything happen to your home. 

Partners Insurance & Financial Services Inc. recommends that you update/review the home insurance policy if you did the following. 

Home remodeling

Whether you’ve added master bedrooms, have updated your 1920s-era kitchen, or undertook any other significant remodeling job, it’s advisable to consult with your homeowner insurer. 

This proactiveness is extremely important because such an action will, in most cases, impact your home’s value.

You bought valuable items

Since your home insurance protects your home and its content, it’s wise to talk to your insurer whenever you introduce expensive items. This action will help ensure you have the right coverage, and you’ll receive sufficient compensation in case of unforeseen vagaries.

You installed an alarm system

Installing an alarm system in your home comes with a sense of added security. It reduces the possibility of thieves breaking into your home and stealing your valuables. 

Experts advise you to speak to your home insurance provider whenever you make such moves as it impacts your premium.

You’ve stopped smoking 

Abandoning your smoking habit is with no doubt an excellent move as far as your health is concerned. But did you know it can help to cut down on your home insurance payments? Most insurers claim that smoking poses fire risks to your home.

By quitting the habit, you might be eligible for reduced premiums — you must, however, notify the insurer.

The Bottom Line

The four scenarios we have highlighted here represent a fraction of common signs that it’s time to update/review a home insurance cover. We at Partners Insurance & Financial Services Inc. encourage you to contact us whenever you introduce any changes to your home. We evaluate the changes and see how they impact your insurance policy payments.

Posted in Commercial InsuranceTagged Inc., Partners Insurance & Financial Services

Protect Your West Virginia Home With Basement Encapsulation

Posted on June 14, 2021June 5, 2021 by admin

At Partners Insurance & Financial Services Inc. we strive to offer our clients the best information for home protection. For our clients with basements in the Huntington, WV area, a growing service that is showing significant results to home protection over time is basement encapsulation. 

Structural Protection

With basement encapsulation, the structure is protected with a hard seal that protects damages such as mold or wildlife conducting damage beneath the home. The ability to damage essential structural features is nearly impossible as these agents are not able to access these areas.

Air Quality Improvement

With this encapsulation, moisture is minimized in this area, maintaining air quality throughout the home as it travels upward through the venting and into the living space. Fresh and clean air will circulate throughout your West Virginia home from the basement up. If you or your family members suffer from allergies, this can minimize those daily effects, as well.

Minimal Energy Usage

Because the basement is sealed and encapsulated, the floors are not as cold in the winter, minimizing the use of energy throughout the home. The heating units will not have to work as hard to maintain a comfortable temperature in the home. This is true in the summer months, as well. Once the home is set to its preferred temperature, the encapsulation can maintain that temperature and minimize the need to keep the air conditioning unit running. 

Update Your Home Insurance Today

Partners insurance & Financial Services Inc. is committed to providing our clients with the insurance policies they need. Our agency offers a variety of insurance and financial services and would like to assist you today. Visit our website for more details regarding our services or give our agency a call today and speak with one of our agents. 

Posted in Home InsuraceTagged Huntington WV, Partners Insurance & Financial Services Inc.

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