Spring Cleaning and Home Insurance

Getting your home clean and organized can be a great way to prepare yourself for the upcoming year.  It gives you an opportunity to reflect on where your home is, from both a financial and just general aesthetic level. Here are three tips that we here at All About Insurance Inc, serving Caldwell, ID think you should follow when preparing your house for 2017.

1. Donate or Sell

If you have an excess of stuff laying hidden in storage spaces, or even worse, out in plain sight throughout your home, sell it or donate it to the nearest charity store. This will allow you to get a better idea on how much actual room you have in your home with all of the unneeded stuff laying around. It also makes it easier to look through your home to decide if you want to make any renovations or improvements. 

2. Reassess your Value

Spring cleaning doesn’t just mean getting rid of your stuff. It is a time of renewing your home and getting it to place you want it to be in a new year. Getting a professional to come out and reassess the value of your home can help you make decisions on refinancing, renovations, and other expenditures.  This will help you get the maximum financial value out of your home.

3. Insurance

Everyone has home insurance, but do you have the right amount of coverage? When you have your home’s value rechecked or make any changes to the structure through additions or fixing up, the value of your home might have increased. This means you will need to update your coverage. This is where we here at All About Insurance Inc can step in and help you out. Contact our Caldwell, ID area office to help you get started.

How Home Insurance Helps: Safety, Security and More

Your life is full of events that are planned and events that aren’t. The good surprises are the ones that make your life worth living, but the bad ones can cause all kinds of barriers to the rest of your plans. Home insurance won’t make your life perfect, but it can be there for you when literally no one else in the world can. 

Safety for the Family 

Your home is where you make your memories, and where you should feel you have sanctuary when the outside world seems to against you. Home insurance is what can get everything back to normal after a break-in or a natural disaster. Maintaining the home will go a long way to helping everyone inside it feel as though they’re important and safe. 

Security for All 

When there’s a major disaster in a neighborhood, like a storm in Caldwell, ID, it means that practically everyone will be affected. Every resident will be looking for help, meaning that it will be difficult to rely on anyone else but yourself for a place to stay or some financial help for all the repairs. Home insurance means getting help and resources when you know you won’t be able to pay for all the repercussions. 

Finding Help 

All About Insurance Inc. can tell you that there are far more benefits involved in home insurance — from saving you thousands of dollars over a lifetime to keeping your home an attractive property on the market. If you live in Caldwell, ID, then we’re here to talk to you about the how we fit into the equation. Our agents are here to make it easier for you to buy, understand and use the features of your policy. So give All About Insurance Inc. a call today for a chat!

Cleaning Out Your Home the Right Way

When it comes to cleaning out your home in Caldwell, ID the right way, there are several tips to keep in mind. From cleaning out your gutters on a regular basis to sweeping and mopping behind appliances, following these tips will help keep your home in pristine condition. And don’t forget to keep an active home insurance policy as this will help protect you against a variety of losses. Here’s a closer look at three tips you should follow to clean out your home the right way.

#1: Clean Out the Closets

When was the last time you cleaned out your closets? Whether you have one closet or five in your home, cleaning them out is a great way to gain much needed storage space for the items you don’t want to get rid of. To clean out closets, make sure you tackle one at a time. If you try to clean out all of them at the same time, it’s easy to get overwhelmed. 

#2: Consider a Robot Vacuum

If you find yourself unable to vacuum your floors on a regular basis, you can always invest in a robot vacuum. Robot vacuums are generally very small in size and have the ability to charge themselves. Best of all, they can teach themselves where any stairs and furniture are in your home, allowing them to easily vacuum in the most effective manner possible. 

#3: Dust On Top of Cabinets

One of the best ways to keep the dust level down in your home is to make sure you dust on top of all cabinets. If you don’t, the dust will settle and blow around when AC and heater vents are turned on. 

To learn more about cleaning your home out the right way, make sure to contact a home insurance provider in Caldwell, ID today. 

Renovating Your Home in 2017? Don’t Forget to Update Your Insurance

If you’re planning to renovate your home in 2017, don’t forget to update your insurance. Home improvement projects can affect your current insurance premium and/or coverage. Before starting any home improvement projects in Caldwell, ID, talk to an agent at All About Insurance, Inc., to see how remodeling will affect your policy. The following are but a few of the many renovations that can alter your insurance.

New Roof

Putting a new roof on your home can make you eligible for a discount on your home insurance.  A new roof greatly reduces the risk of damage to your property due to rainstorms, snow, hail or strong winds. Before applying for an insurance discount, ask your contractor to provide you with documentation that your new roof meets local specifications and codes.

Kitchen or Bath Makeover

A classy kitchen or bathroom makeover will add visual appeal to your home as well as increase its value. In order to protect your investments, you’ll need to add these renovations to your insurance policy which will, in turn, increase your premium. On the flip side, if your home’s plumbing or electrical systems were upgraded in the process of making these renovations, you could qualify for an insurance discount as these upgrades reduce the risk of water damage and fire.

Home Office/Business

Turning a spare room into a home office with basic furnishings and computer will do little to affect a standard home insurance policy. In contrast, if you transform your garage into a modern day carpentry shop where costly tools are used and stored, you may need additional insurance coverage to cover possible liability claims or carpentry tool replacement if they’re stolen or suffer loss.

By taking time to discuss home renovation ideas with an All About Insurance, Inc., representative in Caldwell, ID, you can be better prepared to handle any insurance changes these upgrades will bring.   

 

Fall Time Checklist for Home Protection

Fall isn’t just the time to change the smoke alarms inside a home. It’s also a good time to prepare a home for winter and the wet season for Caldwell, ID. A large number of house problems that can cause serious damage can be avoided with some simple precautions. According to All About Insurance Inc., here’s how:

  • Rake up and clear out all debris and dead leaves in and around the house. Dead leaves can easily catch fire when dry and create a fire hazard for a home.
  • Clean out the roof gutters from any big debris. Plug up gutters tend to fill with water and then tear off the roof with the unexpected weight. The sitting water can also cause wood rot underneath the roof.
  • Clean out all drainspouts and channel falling water away from the foundation. Water can be a powerful force in eroding soil and stone, damaging a home’s base.
  • Check and repair the backyard fence for old, weak sections. Strong storms make mincemeat of old wood fences, blowing down huge sections when a weak part fails.
  • Confirm the yard and backyard drainage are working properly. This will avoid a sudden lake next to the house during heavy rains.
  • Check and replace the home ladder before using it. Ladder falls are the number one cause of a broken leg for people over 40 during the holidays.
  • Clean out and service the fireplace. Gunked up chimneys can trap hotspots and contribute to home fires at night.
  • Check the HVAC channels for leaks in the attic and patch them. A channel leak can lose hundreds of dollars in heating each month.

For more tips and advice on how to prevent damage common during the winter, folks in the Caldwell, ID area can give All About Insurance Inc. a call. Their expert agents have seen all types of winter home risks and know how simple prevention can make a big difference between a disaster and enjoying the holidays.

Home Maintenance Tips to Winterize Your Home

Getting ready for winter weather is part of fall chores. Be sure to talk with your agent at All About Insurance Inc to update home insurance, if any life changes occurred in the past year and to upgrade replacement cost values as needed.

Here are some tips and a checklist of items to do for fall:

Exterior Maintenance

To protect your home from damage due to winter weather, here are the most important things to do:

  • Trim back trees that have branches near the home that could break and fall on the roof.
  • Clean gutters and downspouts to make sure rainwater does not collect on the roof to cause a leak.
  • Check the roof for damage, such as missing shingles, and make repairs. If you suspect there may be a roof leak, use a hose to test the roof and see if any water enters the house. Use roof patch material to fix any leaks. Be aware that the place where water enters on the roof may not necessarily be directly over the place of the water leak below in the home. Water can penetrate a roof surface and run quite a distance to find a hole to enter the house below. Check around flashing and seams in the roof, which are common areas for leaks.
  • Drain garden hoses and store them away for the winter.

Interior Maintenance

  • Check the furnace for proper operation, change the filter, and have the air ducts cleaned.
  • Shut any air vents previously opened for summer, such as attic vents.
  • Check around doors and windows for air leaks. Use weather stripping and caulking to block any air leaks.
  • Have any fireplace chimneys cleaned and check to make sure the flues are open and operational.
  • Check smoke alarms and replace batteries if necessary.

Winter Supplies

  • Make sure to have enough de-icing chemicals for walkways. Have enough snow shovels or a working snow blower.
  • Have a minimum of a two-week supply of canned food and water on hand for emergencies.
  • Make sure a backup electrical generator is working and store enough fuel to prepare for any power outages.
If you take these simple steps, you will be prepared for the winter weather.

Why Residents in Caldwell May Need Additional Home Insurance

Caldwell, ID has some great homes to insure, but those within them may not understand just how much danger they might be in should something happen to their place of residence. All About Insurance Inc will give you some facts to remember about how your home can stay covered, regardless of what may happen to it. 

It’s What’s Inside That Counts 

Most people assume their property inside is covered if it happens to be damaged in a natural disaster or taken by a thief with too much time on their hands, but often times they’re not able to recoup the loss of their personal property. During a traumatic time like this, it’s often both valuables and sentimental objects that are affected, and it can be an emotional time for everyone. Those who do not have the additional coverage do not need to be subjected to the extra expense of having to replace their electronics and jewelry on top of everything else. 

Floods and More 

Water damage can come from practically anywhere, and your insurance may not be able to cover all that you’ve lost. Even minor flooding can cause thousands of dollars of property and structural damage, and it can be a shock for those who receive the direct bills. Insurance that covers more than just the standard ‘legal’ bare minimum is often necessary to ensure that you keep your home and your bank account from taking a major hit. 

All About Insurance Inc in Caldwell, ID has agents who can make your choices easier, and help you figure out where your insurance may have some gaps that need to be addressed before you settle on a final policy. Give us a call today for more information, or for a quote. 

 

AC Maintenance: Why It’s Important In Idaho

When you’re a homeowner, you have to be sure you are maintaining the various systems of your home. Your AC is critical as it’s going to keep you cool in the summers and warm in the winters. A little bit of maintenance can go a long way in Idaho.

Properly Functioning System

You want to make sure that you have a properly functioning system so that your home is comfortable all year long. You don’t want to run into any problems when you are ready to turn on the air conditioning during the hottest day of the summer or the heat during the coldest day of the winter.

Saves Money Over Time

An air-conditioning system can be a major expense. You don’t want to replace it any time in the near future, which means you need to be a responsible homeowner and ensure that you are air-conditioning system is being checked on at least once a year so that repairs can be made quickly.

Reduces the Cost of Electricity

When your system is running properly, it is going to take less energy for it to work. If your system is not calibrated or there are other problems, it may run for longer periods of time in order to reach the proper temperature. This could end up costing you more money every single month on your electric bills, which can add up to a significant amount of money by the end of the year.

Various AC repair companies will offer you maintenance plans that are affordable. They will visit 2 to 3 times a year and ensure that everything is working properly.

Learn more about home insurance by contacting us at All About Insurance Inc today. Our agent can ensure you have the right policy to protect your home in Caldwell, Idaho.

 

 

5 Tips to Reuse Cleaning Supplies in Caldwell

Your cleaning supplies should get a good work-out on a regular basis, but are you really getting the most out of them? If you’re only used to using them for their designated purposes, then maybe it’s time you think outside the label. Here are 5 tips to get more. 

Denture Tablets In the Bathroom 

The bubbles created by them works air into tight places, so they can actually be broken in half and dropped down a blocked drain. 

Window Washing Fluid In the Living Room

If your kid wiped his dirty hands on your newly upholstered chair, you can actually break out the window washing fluid if you’re out of stain treatment. Just spray and rub in with a soft-bristled brush. 

Soap As a First Aid Tool

Liquid dish soap can be used if your kid skins his knee both to clean it up or as an ice pack. If you put soap into a sealed bag to freeze, it actually lasts longer because of its melting point.

Window Washing Fluid As a Pest Controller 

These are actually good pest controllers too, though it doesn’t eliminate the process of chasing after the winged ones. Spray them down, clean up the mess and then get them out of your house. 

Soap In the Garage 

Grease comes in all forms, and soap works in the same way on everything it comes in contact with. Fill up a bucket and get those oily concrete floors clean again. 

Cleaning your home and unclogging your drains are all sound home practices, but finding the right home insurance is just as important for all of life’s unexpected events. All About Insurance Inc serves Caldwell, ID and finds policies that work for you. Give us a call today for a quote.

How to Choose Emergency Equipment for Each Room in your Home

Some Indiana insurance agents might require that you have certain emergency equipment installed before you receive coverage. To ensure safety for your entire household, you also will want to know what supplies you need in each room of your home. 

Supplies you Need On Every Floor

You need at least one fire extinguisher and smoke alarm on every floor. Also, it also is wise to have at one carbon monoxide detector on every level. Larger homes might require more than one of this equipment on each floor, and you want to place emergency lights, batteries and first aid supplies in as many locations as possible.

Equipment and Supplies Needed in Each Room

You could place extras of each one of these throughout your home as well. However, these are the primary sites for this equipment and supplies.

Kitchen/Dining Area – Fires in the kitchen account for a majority of house fires. Therefore, this is one place that most often needs a fire extinguisher and first aid supplies. You also can store extra food and water in your cabinets.

Living Room – Keep an emergency radio in here. If landline service is available, have a line installed just in case your cell phone service dies. You also might want to have an alternate source of Internet, and this is one location where you can find a place to store your emergency contacts.

Bedroom – Store extra clothing, at least, one blanket, and a pair of shoes in a fire-resistant chest in an easily-accessible location. It also might help to have an emergency escape ladder.

You also might have other ideas of what to store for any type of disaster during different times of the year. For instance, you might want to keep extra toiletries, hygiene supplies and (safe) emergency fuel on hand. Additionally, you will want to contact All About Insurance Inc serving Caldwell, ID to learn more about the types of homeowner’s insurance required for fires and natural disasters.