Category: Home Insurace

With the thought of a storm looming in the Huntington, WV area, it can be difficult to know what steps to take in order to prepare your home for bad weather.

Here are a few tips from us at Partners Insurance & Financial Services Inc. to help you stay safe and sound.

Preparing Your Home For A Storm

1. Check your roof and gutters for any potential damage or clogged debris that could cause water damage during a storm. Make sure all gutter systems are properly secured and clear of any blockages. 

2. Trim branches away from your house and put away outdoor furniture, such as chairs, tables, and barbecues. This will reduce the risk of them being thrown around by powerful winds or getting damaged by hail or falling branches. 

3. Bring in any outdoor decorations, toys, and other loose items to prevent them from flying away due to strong winds. Similarly, close windows and shutters if possible in order to protect against flying debris. 

4. Prepare an emergency kit with essentials like food, water, medications, flashlights, batteries and anything else you may need in case of an emergency situation. 

5. Keep plenty of sandbags around your home in case you need to divert floodwater away from certain areas or protect the foundation from potential flooding issues later on down the line. 

Also, Keep Your Home Insurance Policy Updated

A little preparation can go a long way when it comes to protecting against storms; taking these proactive steps can help save you time and money should one occur!

For more tips to keep your home and family safe, call us at Partners Insurance & Financial Services Inc. today! We can help you get the best home insurance policy for your needs. We proudly serve the Huntington, WV area. 

Home is where we feel that our families and loved ones are comfortable. However, owning a house also involves inherent risks like fire and vandalism. These unfortunate events can be stressful, subjecting you to detrimental financial consequences. Consult with our agents at Partners Insurance & Financial Services Inc in Huntington, WV and we will assist you with the home coverage that you need. 

Here are some benefits that are included with home insurance:

Protection of assets

Home insurance is designed to shield your home and the belongings stored in it. If a calamity occurs, your dwelling will get repaired or reconstructed, and your personal property will be reimbursed or replaced.

Provides additional living expenses

This policy can help settle the accrued additional expenses. It can range from food to accommodation in case you reside elsewhere as your house is being repaired or reconstructed in the aftermath of a peril.

Provide liability protection

Lawsuits from third parties against damage to their property and inflicted injuries by either you or your family members can be very stressful. However, worry not because liability coverage comes in and settles for medical bills accrued by a guest residing on your premises.

Get Home Insurance Today

Contact us today at Partners Insurance & Financial Services Inc. in Houston, TX and we can get you the home insurance coverage that you need. 

Huntington, WV is one of the best places in the state to own a home, and this is why as a resident, you should always protect your investment with a home insurance policy. Ensure that you always renew your policy on time so that your home is always protected. You are likely wondering – how often should you renew your home insurance policy? Partners Insurance & Financial Services Inc offers you this guide to decide. 

How Often Do I Need To Renew My Home Insurance Policy? 

1. Home insurance policy renewal best practices

Home insurance policies typically last for one year (12 months). Therefore, it’s good practice to renew your policy every 12 months. Your insurance provider will likely send you a renewal statement several weeks before renewal dates. Many insurers will automatically renew your policy if you opt to keep paying your bill. 

At Partners Insurance & Financial Services Inc., we recommend that you renew your home policy even before the 12 months lapses under the following special circumstances; 

• Your home decreases or increases in value
• You remodel your home or any part of it
• You add an extension to your home
• You install a robust anti-theft system
• You install a class-leading fire mitigation system 
• You reroof your home
• You cut down trees around your home
• You purchased expensive jewelry

2. How do I renew my home insurance? 

• Step 1. Check if your rates have changed: Your rates might have gone up or down depending on factors like inflation and property value depreciation. 
• Step 2: Update your policy as needed: The best time to make changes to your home insurance policy is when you are renewing it. Remember to ask for discounts where applicable. 
• Step 3. Review the changes to your coverage: Confirm that the changes to your home policy, whether made by the insurer or by you, are okay for you. 

Do you need excellent home insurance in Huntington, WV? Welcome to Partners Insurance & Financial Services Inc.; we will help you get the best home insurance policy.

If you own a home, it is most likely required by your lender that you get and keep a home insurance policy. However, even in cases where it isn’t required, no homeowner should be without this important insurance. Home insurance policies offer several different types of coverage that are each important for protecting your finances. If you need home insurance, give us a call at Partners Insurance & Financial Services Inc. in Huntington, WV.

House Protection

Your home represents a large investment, and your home insurance can help to protect that investment. There are many risks that houses can face, including disasters, accidents and calamities. If your home gets damaged due to one of the covered incidents, your home insurance can pay for the repairs that you will need. This protects you from having to come up with those funds on your own. If the home is destroyed, the policy can even pay for its rebuilding. 

Belongings Protection

Another important aspect of a home insurance policy is protection for your belongings that are inside your house. This protection pays for items to be repaired or replaced after a covered incident either damages or ruins them. This coverage protects you from having to start again with nothing in the event of a major incident. It is important to have this coverage so that you won’t have to come up with the money to replace your items if they should become necessary. 

Get Your Home Insurance Policy

With the important coverage included in a home policy, your finances can be well-protected in case the worst should happen. If you own a home, or you are in the process of buying one and need insurance coverage, give us a call today at Partners Insurance & Financial Services Inc. in Huntington, WV to find out more. 

When it comes to homeownership, there are plenty of risks that can make you very glad you have home insurance. In most cases, especially if you have recently purchased a home, you won’t have the option of not having home insurance. Your lender will require that you protect the investment they have made in you. At Partners Insurance & Financial Services Inc. in Huntington, WV we are an independent insurance agency, which means our first loyalty is to our customers, not to one carrier. 

Even in as friendly a place as Huntington WV, bad things can happen and if a bad thing happens to your home, it is reassuring to know you have the right home insurance coverage to provide the protection you need. 

Home insurance protects your physical building so that if your home is damaged by heavy winds or fire, for example, you will be able to file a claim and be provided with the funds that you need to repair your home. 

If your home is burglarized, your contents coverage will allow you to replace the items that were lost minus the deductible. Your personal property is covered even if you are away from home and an item is lost or stolen. Items lost from many types of home damage are also covered, but if you have expensive items, you may want to check your policy limits and purchase a rider to give you complete protection. 

Liability coverage protects your assets in the event that you are involved in legal action against you. Not only can it help to pay for a judgment, but it can also help pay for the legal help you may need to defend yourself. 

Contact Partners Insurance & Financial Services Inc. in Huntington, WV with all your home insurance questions and needs. 

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.