Are weather events covered by home insurance?

No matter where you live in this country, weather events will be a part of your life. Snow and ice in the north, heat, and wind in the south and mudslides in the west. Weather can cause a lot of damage to your house and if you are to have peace of mind, you must know that you have insurance coverage to protect it. If you live in Oxford, MS you have Tackett Insurance Inc. to offer you advice and to make sure that your home is protected today and into the future.  

One weather event that is almost never covered by traditional home insurance is flooding. In order to have flood coverage, you need to have flood insurance which is a separate policy. Hurricanes are also a weather event that is not covered by every home policy. If you live in an area that is prone to hurricanes, be sure that you talk to your insurance agent and by all means, read your policy carefully so that you understand what is and isn’t covered and what your deductible is. 

In the case of mudslides, they also are not covered as they are considered land movement like an earthquake and earthquakes are not covered. You can, however, get a DIC (difference in conditions) policy that will cover mudslides if they are a risk you face. 

Weather events that are covered are high winds, rain, hail, snow, ice, and sleet. 

Making sure that your home is safe from weather events that are just waiting to cause damage is vital. If you live in the Oxford, MS area why not stop by or give the office of Tackett Insurance Inc, give us a call, or visit our website.  Our experienced staff will be happy to answer your questions and provide a no-obligation quote. 

How To Protect Your Home From Theft This Holiday Season

Packages are left at the front door. Time is spent away from home at parties. Hundreds of dollars worth of gifts are stored in the home. Food to make, gifts to wrap, events to plan, so many things that leave you distracted and off guard. All of these things combined create the perfect environment for thieves during the holidays. Even if you live in a safe neighborhood in Oxford, MS, you’re not free from risk. At Tackett Insurance, Inc., we know that thieves are thieves, and they don’t care what neighborhood they’re in. Taking a few precautions can go a long way in protecting your home and your possessions.

Inside Your Home

  • Always lock your doors and windows

  • Leave porch lights as well as some inside lights on if you are going to be away from home

  • Don’t set your Christmas lights to go on and off at the same time each day

  • If you’re traveling for more than a day, have the post office hold your mail

  • Don’t leave your gifts out in the open, and especially not in front of a window

You don’t want thieves to enter your home, but you also don’t want them to steal things without actually going into your home either. Unfortunately, package theft is a big problem, especially during the holidays. Make sure you protect the outside of your home as well.

Outside Your Home

  • Require a signature for all packages or schedule delivery for when you will be home

  • If possible, have your packages delivered to your work or have a neighbor pick them up for you

  • Keep your bushes around your home trimmed and don’t clutter your yard or porch with too many decorations. Overgrown bushes or large decorations provide the perfect place for thieves to hide.

  • Invest in a video doorbell so you can stop a package thief right in their tracks

When someone takes advantage of you by stealing, you can feel violated and not even know what to do next. If you do find yourself in this situation and you live near Oxford, MS, Tackett Insurance, Inc. is here to help you out.

When Can You Claim Your Home Insurance

It’s crucial to insure your home against various uncertainties that may happen at any time. Natural disasters are prone to occur, and you may find yourself homeless if you lack a homeowners’ insurance policy in Oxford, MS.

Typically, you pay for the homeowners’ insurance to protect yourself against incurring significant financial losses when something happens to your home. Tackett Insurance, Inc. is here to help you and safeguard your property. However, the biggest challenge that exists among homeowners is knowing when to claim their homeowners’ insurance and when not to claim. Read on to find out.

When to File a Claim

You should file a claim for your homeowners’ insurance if something happens and the cost of replacing or repairing it is above your deductible amount. Let’s say that you have a $250,000 deductible. A tornado occurs and the roof of your house caves in. You discover that the cost of replacing your roof is $300,000. In this case, you should file a claim even if you can afford the $300,000 since your homeowners’ insurance policy covers your house’s structure.

You should also file a claim if something valuable is stolen from your home that can cost you a lot of money to replace. For example, when you lose $100,000 worth of silver, you’d be better off filing a claim than replacing the property from your own pocket.

Homeowners should also file their insurance claim if a third party files a liability claim against you; maybe for property damage or in case of a slip and fall case.

Information is Your Best Protection

Although it’s the insurer’s job to compensate you, it’s your responsibility to prove losses. The more information you can provide, the higher your chances of being compensated. Be sure to keep all the records and record your version of the occurrence. Take photos if possible and make sure that you obtain a police report.

Are you a homeowner in Oxford, MS? Contact Tackett Insurance, Inc. today for your homeowners’ insurance policy.