If you are making plans for a vacation in the near future, make sure also to include plans for protecting your home while you are out of town. Spending a lot of money on airfare and other travel expenses, while ignoring the things that should be done to protect your home in Fall River, Massachusetts is a foolish mistake. The best thing you can do is to create a to-do list of all the things that you should check out, update, turn off, and take care of before it’s time to leave. That way, when you do finally get out of the South Coast area for your trip, you can relax and have peace of mind that everything you have worked hard for at home is protected. Your local Fall River insurance agency wants to help you have a safe and relaxing vacation by providing you with top quality Massachusetts homeowners insurance.
Home Insurance in Fall River
Protecting your home starts by having a comprehensive policy that doesn’t just protect the lender, but also works to protect you and all of your belongings. Don’t just get the “basic policy” that is required by most mortgage companies. Take time to go over your needs with an experienced agent at Paul B. Sullivan Insurance Company in Fall River. Our team if highly trained and has the knowledge you need to make informed decisions about your Massachusetts homeowners insurance coverage. Whether you have single-story or two-story home, a fenced in yard or a wide open property; we can help you to find the solutions that will protect you from damage, liability, and other common homeowner concerns.
A Well-Lit Home
Start by doing everything you can to make your home look lived-in while you are away. Consider asking a trusted friend or neighbor to come in and alternate the lights that are on inside your home. However, the best method is to put your outdoor lighting on timers or use light-sensitive devices that will automatically turn on lights when the sun goes down. Indoor timers can be helpful as well, along with home security systems that can alternate lights to create the illusion that someone is home. In addition to lighting, having someone put out the trash cans, bring in the mail, collect the newspapers and flyers posted at the door, and check on the home, in general, can be very effective. Offer to do the same for them in return and make sure to bring back a nice gift – not some cheap souvenir.
Refrigerator and Water
These are two of the most problematic areas of any home, especially when it comes to Massachusetts homeowners insurance claims in the winter. Before you go, toss out any perishable items and leftovers. Make sure that there isn’t anything blocking the vents inside of your refrigerator and freezer. Check the dial setting to make sure it isn’t too low or too high. When it comes to the water, this can be where the trouble starts. Even a small water break or leak left unnoticed for a few days can cause a lot of damage. Cutting off the water at the mainline and turning on faucets to remove excess water from the lines is one solution. However, in the winter any water that is left inside the lines can become frozen, causing other issues when you come home. Speak with a plumbing expert in your area about the best course of action to prevent damage that could result in claims to your insurance company in Fall River.
Many experts recommend that you turn off all electronics or at least put them into “‘standby” mode while you are away. Pulling the plug on heavy-duty electronics and devices can prevent damage caused by electrical surges which could even lead to a fire. Unplug items such as portable heaters, fans, and air conditioners. Use electrical items cautiously to create the illusion that someone is home, including lamps and other types of lighting. A small battery-operated radio or another device that does not require a lot of energy could also be used to create sound, which has been proven to scare away some potential burglars. Check the thermostat settings, regardless of the time of year that you are going on vacation. In the summer, keep the air on low to ventilate the space, preventing heat buildup which can damage wooden floors and other elements in your home. In the winter, use the thermostat settings to prevent pipes from freezing or plants from becoming damaged in the cold.
Double-Check Your Policy
Schedule an appointment with your Fall River insurance agency to discuss your Massachusetts homeowners insurance policy. Double-check all of your coverage, update any items that may have been added or upgraded, and ensure that you have copies of all documentation available, should you need to make a claim. The more you can learn about home insurance in Fall River and the surrounding area, the easier it will be to protect your home and understand everything you need to know about your coverage. Contact Paul B. Sullivan Insurance Agency, Inc. by calling 508-678-9611 and speak with one of our experienced agents about any questions you might have about our insurance company in Fall River, MA.