If you have basic Fall River homeowners insurance, your policy will likely cover things such as damage to your home and any permanent structures on your property due to specified causes, such as fire or weather-related incidents. There could also be limited coverage for personal property and liability for bodily injury or property damage. Additional coverage could also be included to cover costs incurred due to a covered claim. Each policy is different, which is why it is important to know what is included in your policy and make a regular appointment with an agent at your local Fall River insurance agency.
Our team of agents at Paul Sullivan Insurance Agency make it easy for homeowners in Southeastern Massachusetts to get the coverage they need. Most mortgage companies require homeowners to get a policy that protects their best interest. When you work with our team for home insurance in Fall River, we can help you get comprehensive coverage designed to protect your the most. Look beyond bare-bones coverage options and get a policy that will protect your home, belongings, and assets. Your trusted insurance agent in Fall River can answer any questions that you might have about your policy and everything it covers.
Tips for Vacation Planning
To further protect your home and make it less tempting for thieves, there are a few things that you can do in advance of your trip. Contact your local police department and let them know that you will be out of town. Most communities will agree to patrol the neighborhood and maybe even check the windows and doors. Prevent pile-ups by stopping your daily and weekly newspapers. Ask a trusted neighbor to collect any papers that get by, including phone book deliveries, sales advertisements posted on doors, and other items that might alert others that you are not at home. Stop your mail service and have it get collected at the post office. You can arrange to pick it all up when you get home.
Contact a licensed, insured, and reputable lawn care service or pay a neighbor to cut your grass while you are gone. Thieves often look for neglected yards as a sign of homeowners gone on vacation. Pet care services also need to be arranged in advance or ask a trusted neighbor to check in on and feed your pets while you are gone. Cut all shrubs below window level to reduce the ability of burglars to hide from neighbors and make sure that all light bulbs and exterior lighting are operational. Make sure your outdoor sprinkler system is on a working timer to avoid coming home to dead grass, flowers, and bushes. Consider purchasing timers for interior lights instead of just keeping bedroom and living room lights on the whole time while you are away.
Consider Installing an Alarm System
With so many options now available for homeowners with regard to monitored alarm systems, it is very affordable to add this type of service to your home. Speak with your insurance agent in Fall River about companies and brands of products that can be used that might provide you with an added discount on your Fall River homeowners insurance premium. While not all alarm and monitoring systems qualify for the discount, it is better to have something installed while you are out of town than nothing.
Be sure to contact your alarm system monitoring company and let them know that you will be out of town. Provide them with contact information so you can be made aware of any issues that occur while you are gone. Choose an alarm system that monitors both fire and burglar alarm activity for even greater protection. If you have a neighbor that will be watering plants, feeding pets, or coming into your home for any reason, let the alarm company know this as well. This person will need a key, alarm code information, and an itinerary of the things that need to be done while you are on vacation.
Other Preventive Measures
Even if none of these other tips apply to your situation, there are still things you can do to prepare your home before a trip. Run the dishwasher, flush the toilets, check the thermostats and make sure everything is operational to keep temperatures within a normal range and turn off the water to your toilets, sinks, and washing machines. You should also consider unplugging any unnecessary appliances, such as the coffee pot or television. Check all of the locks on your windows and doors, toss out any refrigerated items that might spoil while you are gone, and get all of the trash out of the house.
Lock all doors – including the deadbolts, turn on your answering machine, set the alarm if you have one, and unhook your electric garage door opener before manually locking it tight. If possible, visit your insurance agent in Fall River to go over your policy and make sure that everything is up to date. You don’t want to come home to damage only to find out that you could have prevented it by performing a small task or that it is not covered due to your neglect in that area. Your Fall River insurance agency can answer any questions that you might have about your homeowners insurance policy. Give us a call at 508-678-9611 to speak with one of our friendly and helpful agents.