Is Your Home Covered From Pest Damage?

Pest damage is one of those serious home problems that can be so frustrating to handle. Unfortunately, not everybody understands what their home insurance can and cannot do to manage pests in their home. That’s why we at TAS Insurance Agency are ready to answer your questions. We serve the Phillipsburg, NJ area and can help you better understand what your policy covers.

Pest Coverage is Complex

Typically, pest damage is not covered by your home insurance because it is considered preventable damage. In other words, insurance companies believe that pests invasions are caused by homeowner negligence and, as a result, shouldn’t be covered by their policy because it could have been stopped.

That said, your policy may cover what is known as “unexpected damage” that pests cause. One classic example of this unexpected damage is when ants chew into your wiring and cause a fire. While the damage caused by the chewing ants is not covered, a fire is not an expected result of ant infestation.

As a result, your insurance will cover any damage caused by the fire but not by the ants itself. So, if there is significant ant-related damage separate from the fire-affected area, you will have to pay to replace it yourself. These fine points may seem confusing until you talk to a professional about them.

Get Help Today

If you think that your home is likely to experience pest-related damage and you want to get protection, please don’t hesitate to contact us at TAS Insurance Agency serving Phillipsburg, NJ to learn more. We can help you understand what your policy does and does not cover and will identify an option that makes more sense for your needs as a homeowner, saving you money and time in the process.

Home safety tips

Home insurance is one of the most significant things you can do to protect your home. It offers different types of protection from hazards you may not have even thought about. It offers coverage at home and away from home. When you are in the market for home insurance in Phillipsburg, NJ, TAS Insurance Agency has a team of professionals who will make sure you have the home insurance you need. 

Feeling safe in your home means several different things. It means keeping you and your family safe from dangers outside of your home but also from dangers within your home. 

Outside the Home

These days, having a home security system is inexpensive and can be installed by almost anyone. You can choose to have a monitored system or one that just lets you know who is outside of your home. Being able to see your home from your phone even if you are not at home allows you to feel safer than not having that ability. 

Having good door and window locks helps to make your home a safer place. In order for them to work, however, you have to use them all the time. 

Keep tall bushes away from your home to give you and your neighbors a good sightline of your home. 

Inside the Home

Inside your home, you need to make sure that your smoke detectors and carbon monoxide detectors are operational. Change the batteries every 6 months. Get your furnace and chimney cleaned every year. 

Avoid clutter on stairs and in hallways. Falls cause many serious injuries every year in homes. Keep poisonous chemicals and medicines out of the reach of children. If you have pets, keep plants that may be poisonous away from areas that they frequent. 

Your home should be your safe place. Contact TAS Insurance Agency in Phillipsburg, NJ with your home insurance needs.

Exposing The Truth About Common Home Insurance Myths

TAS Insurance Agency serves the Phillipsburg, NJ community. For over 10 years, we have helped our clients find the coverage they need to navigate life’s risks. We work closely with our clients on an individual basis to help them find custom policies that align with their needs.

The Truth About Common Home Insurance Myths

Owning a home is one of the most significant investments you’ll ever make in your life. It’s important to protect your assets. Home insurance covers your Phillipsburg, NJ property. The policy covers any damage to the interior and exterior of your home. Your personal property is also covered if you are a victim of a burglary. Liability coverage protects you if an accident occurs. Perhaps your pet accidentally scares the mail carrier, and they slip and fall, or you accidentally put a dent in your neighbor’s wall. Liability coverage will protect in these situations. While researching coverage, it’s important to learn the truth about these home insurance myths.  

Flood Damage Is Covered

Flood damage is not covered under your home insurance policy. You’ll have to add extra coverage to protect your items if a flood occurs in the area.

Home Insurance Covers Maintenance Issues

This is incorrect. You are expected to take care of your home by performing regular maintenance. If problems arise due to mold or termite damage, you may not be protected, as those are seen as issues that could have been prevented with proper maintenance.

Don’t Take Inventory

Failing to take inventory of your personal items is a huge mistake. Taking inventory of your personal items can help you recover all of your missing items if someone steals things.

TAS Insurance Agency Will Help You Find The Right Policy

Visit our website to learn more information about home insurance.

Do You Have Enough Home Insurance?

You have home insurance because it protects your dwelling, personal belongings, provides liability protection and covers you against loss of use. But do you know how much home insurance you need? Are you overpaying or underpaying your premiums? 

Buying home insurance is one thing, but buying adequate home insurance is another thing. For this reason, stay on as TAS Insurance Agency of Phillipsburg, NJ helps you to figure out how much home insurance you need. 

How much insurance do you need for your dwelling?

To answer this question, you need to understand the difference between replacement cost and market value. It’s easy to confuse the two, but that’s why you have an insurance agent to guide you. Market value includes the value of the land. It’s the price you get if you were to sell your house today in an open market. On the other hand, replacement value is the amount it would cost to build your home today. 

 

If you want to determine the amount of home insurance you need, using the replacement value is more accurate. But since building costs go up every year, it’s vital to update your home insurance policy to capture the changes in the building costs. For instance, if you purchased your house five years ago at $200,000, today it would cost, let say, $300,000 to rebuild. In this case, you need to insure your home against $300,000. Otherwise, you would need to finance the $10,000 difference if a disaster were to strike today.

How much should you insure your content for?

Similarly, if you want to determine how much you should insure your belongings, consider the cost of replacing them now and not how much you paid to buy them. If you were to lose your assets today, how much would it cost you? This amount will be your insured value.

Are you still unsure of how much home insurance you need? Please contact TAS Insurance Agency. Besides, you can visit our Phillipsburg, NJ offices to chat with one of our agents. 

Should I get home insurance when I am in New Jersey?

The Phillipsburg, NJ area is a popular community for people to move to. When you are looking for a new home in this area, purchasing your property can be a great option. There continue to be many benefits that come with owning a property in this area of New Jersey. If you decide to buy a home here, you will want to get proper insurance for it. There are a few reasons why getting this coverage is a good option for anyone.

Insurance Will Protect Assets

A key reason you should obtain a home insurance plan when you are in New Jersey is to have a reliable means to protect your assets. Your home and personal belongings will take years of hard work and dedication to acquire. The last thing you would want to happen would be to lose these assets due to a fire, theft, or other types of loss. If you protect yourself with home insurance, you will know that you have the ability to repair or replace these assets.

Coverage is Required

You will also want to get a home insurance plan because it is often required. If you have a mortgage or live in a home association, you will need to carry home insurance. If you do not, you could face serious penalties. 

When you are looking to purchase a home in the Phillipsburg, NJ area, you will find that having insurance is very important. When you are looking for a new home coverage plan here, you should call TAS Insurance Agency. Picking an insurance plan for your home can be complicated at times. The team with TAS Insurance Agency can help you assess your needs and options and pick a plan.