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Home Warranty vs. Homeowners Insurance Florida Locals Trust

Home Warranty vs. Homeowners Insurance Florida Locals Trust

by | May 6, 2019 | home insurance quotes

When you are looking into home warranties and home insurance, there may be many complicated aspects that you may be confused about. As a responsible homeowner who wants to protect their property, it’s important for you to do so through being informed regarding the many parts of homeowners insurance. One of the things that may be confusing to homeowners is the difference between homeowners insurance and home warranty. While both home warranty and homeowners insurance in the state of Florida are designed to assist homeowners and occasionally can be confused with each other, they are actually very much different. The level of coverage that each provides as well as the terms and conditions and rates of home insurance and home warranty can vary greatly. While home insurance is compulsory in certain cases, a home warranty is a recommended choice. Read on to learn more about the differences between homeowners insurance and homeowners warranty. Trueway Insurance provides homeowners insurance Florida residents rely on. Call Trueway Insurance in Palm Springs for affordable insurance to protect your home!

 

What To Know About Homeowners Insurance and Home Warranty

 

There are certain things you should know about home insurance versus home warranty in order  to make informed decisions regarding your home. When it comes to coverage, home insurance in Florida covers your home and belongings in the case that loss happens due to natural or man-made disasters. This means that fire, storm, hurricanes, burglary, and other disasters are generally covered. You are also offered liability protection from third party lawsuits in case the party in question was injured or their property damaged within your property, or if your neighbor came visiting you and accidentally fell down and decided to press charges. In such occasions, home insurance will cover the costs. Home insurance is also mandatory if you have a mortgage on your home. Home warranty, however, covers the cost of repairing the major components of your home, and also protects your plumbing and electrical units as long as they are up to ‘home service contract’ terms and conditions.

 

We Offer Homeowners Insurance Florida Residents Trust

 

Home insurance cost in Florida can vary from state to state, and there are several other factors that the cost of your homeowner’s policy can depend on, such as the size and age of your home, location, credit history, and more. If you are looking for affordable insurance for your home, contact Trueway Insurance for a consultation. A home warranty on the other hand doesn’t change from state to state, and the standard warranty will cover a year of protection and also takes care of the repairing or replacement cost of the house’s major systems and appliances.

 

Contact Us Today

 

When it comes to home warranty versus homeowners insurance, there are many factors that you should keep in mind. Home warranty is generally for the physical house itself, whereas homeowners insurance takes into account outside circumstances. Trueway Insurance in Palm Springs offers homeowners insurance Florida residents trust. Call Trueway Insurance today for your affordable insurance needs!

Property Insurance: Protecting Your Belongings in a Rental Home

Property Insurance: Protecting Your Belongings in a Rental Home

by | Apr 17, 2019 | home insurance quotes

Before signing a lease, you probably do a ton of research on home insurance quotes to make sure you are getting the best price for your property insurance policy. However, things are a little different when you are living in a rental than when you own your home. That is why Trueway Insurance in Lake Worth wants to make sure you know what you should be doing to make sure that you and your belongings are protected in your home! Keep reading to learn tips for a leading insurance provider.

 

What You Need To Know About Property Insurance For a Rental

Even though you consider your rental home the truth is that you don’t own it, so there are some things that you’re not protected from like you would if you were the owner. This means when you are looking at home insurance quotes you need to be mindful of the right way to protect your belongings in case something happens. By following the steps below, you can make sure that although you don’t have full legal rights over your home, you are protected from things that could go wrong!

 

The first and most important thing to do is to talk to your landlord. Having a good relationship with your landlord and property owner is critical to making sure you are protected and covered if something were to happen. If something does go wrong, your landlord needs to be your ally, not your enemy. Make sure you ask them about any potential risks on the property that may cause damage to your belongings. For instance, have they experienced power surges in the past that could cause a fire or damage your electronic devices? Knowing this can allow you to prepare better yourself and your belongings for things that could go wrong.

 

Most landlords require you to have renter’s insurance, but when you get a policy make sure it includes possessions coverage. This will insure your personal belongings in case anything were to happen to your home. Of course, there will be limits, deductibles, and exclusions so make sure you review your policy carefully.

 

Another thing you need to make sure you do is know precisely what your belongings are worth. This will help you make any claims in case something were to happen to your possessions. Make sure you keep receipts for important items like furniture or electronics. Take photos of your most important belongings. Finally, if there is anything that is extremely valuable you may want to have an appraisal done. Also, keep in mind that specific pieces like jewelry need to be covered under a separate rider in your insurance policy.

 

Make sure you take security measures when in a rental home. All of your belongings are your responsibility so make sure you keep them locked up, know when to put certain things away, so break-ins are avoided and install doorbells or cameras.

 

Contact A Property Insurance Company

TrueWay is a leading insurance provider of home insurance quotes in the Lake Worth area. We are here to help our customers obtain affordable insurance. If you’re tired of getting an insurance quote from multiple providers, call or visit us today for more information.

Insurance Companies Like Ours Want You to Protect Your Home Against Fires

Insurance Companies Like Ours Want You to Protect Your Home Against Fires

by | Apr 1, 2019 | home insurance quotes, Uncategorized

There are ways to ensure that your home never becomes victimized by fires. At Trueway Insurance we want to prepare you, that way you never have the burden of dealing with the extensive property damage that comes from flames. This is why we are one of the best insurance companies in Lake Worth. We truly care. Our affordable insurance will get you back on your feet and in a safe home in no time!

 

Safeguard Your House

Your home is your sanctuary, and it is the place where you should feel the safest. That is why house fires can have such an emotional impact. In seconds, all your memories, valuables, and property can be destroyed. They put the safety of the people you love at risk and can destroy a lifetime of memories in mere moments. Preventing fires is easier than you might think, and taking simple precautions can protect you and your family.

 

Get Started With The Best Insurance Companies

Check out these eight easy tips to get started on how to avoid house fires:

  • Install smoke detectors. Installing alarms in your home is not only required by law, it’s also your first line of defense against a fire. Alarms should be mounted on every floor and maintained regularly. Don’t forget to:
    • Test your alarm monthly
    • Vacuum each unit every six months
    • Change the batteries twice a year
    • Replace your alarms every ten years
  • Keep it calm in the kitchen. Cooking is one of the leading causes of house fires. It only takes seconds for an unattended pan to spatter grease or overheat and ignite materials around it. Keep your kitchen safe by staying on task, rolling up your sleeves, using lids to avoid splatters, and turning pot handles inward while cooking. Learn some more ways to avoid cooking-related fires and how to put out a kitchen fire once it starts.
  • Take it outside. Sadly, smoking is still one of the leading causes of house fire fatalities. If you’re a smoker, you can reduce your risk by smoking outside and placing your extinguished butts in a can of water or sand.
  • Mind your appliances. Faulty outlets and old wiring are the main cause of most electrical fires in homes. That’s why it’s important to replace worn cords and not overload outlets. Find out what else you can do to prevent electrical fires at home.
  • Use your fireplace safely and never leave it unattended. When you light a fire, be sure to open the damper before lighting it and leave the flue open. Keep embers off floors and rugs by using a fireplace screen, and always have a professional clean and inspect your chimney annually. You should also take these important steps to protect your family and home when you use your fireplace.
  • Be a proactive homeowner. Look for trouble spots by walking around your home and property, and fix potential hazards. Don’t let flammable materials like newspaper accumulate, use the proper wattage bulbs in lights, and don’t store fuels inside your home.
  • Practice your evacuation plan. In the 1970s, people generally had, on average, 17 minutes to escape a house fire. Now, it’s less than 3 minutes thanks to new, highly flammable fabrics and raw materials used in household furniture. That’s why it’s vitally important to have a family escape plan in place. Draw one up today, get your family involved, and practice, practice, practice!
  • Have your extinguisher ready. Sometimes a fire breaks out despite your best efforts to prevent it, and a fire extinguisher can be a great way to put out the flames and prevent them from spreading through your home. To make sure your fire extinguisher is ready to use when you need it, remember to check the pressure gauge monthly, recharge your extinguisher when needed, give it a little shake once in a while to prevent the chemicals from solidifying, and replace it when it hits its expiry date.

Call Us Today!

Trueway Insurance is an insurance company located in Lake Worth. We offer the best affordable insurance in Florida. This includes those looking for cheap home insurance. We are here to provide quality for our customers because we believe in the power that insurance can have in any person’s life. If you are interested in learning more about what we can do for you or you have further questions regarding notaries and how they play a part in the insurance process, contact us. We hope you find the information you need here but if not please give us a call at (561) 318-5540. Take advantage of one of the best insurance companies today!

 

Buying A New Home? You’ll Need Property Insurance

Buying A New Home? You’ll Need Property Insurance

by | Jan 21, 2019 | affordable insurance, home insurance quotes

It is a crazy experience when it comes to dealing with a home purchase. The stress can sometimes seem to the rood. Because of this, it is very easy to forget about important things like property insurance. This is essential. The professionals at Trueway Insurance is here to inform you why this type of insurance is so important. We are professionals you can trust, Palm Springs. We also specialize in home insurance quotes.

 

Is It Required?

You may be wondering if home insurance is required before closing on a sale. Technically, no. If you are paying your home off in cash, that is.

 

If you are like the rest of us and need to finance your new place, your lender will more than likely require that you purchase at least some homeowners insurance before settling on your mortgage. In most cases, you’ll be asked to provide proof that you’ve prepaid one year’s worth of coverage before the lender will consider closing.

 

Just like financing or leasing a car, your lender holds a lien on your house until you’ve paid off your mortgage. To safeguard what’s technically their property, lenders often want you to purchase financial protection in the form of a home insurance policy, just in case something bad happens. Ask us about our home insurance quotes.

 

What Exactly Do You Need To Get Covered With Property Insurance

This amount will vary depending on what your lender requires, but they’ll generally want you to carry enough coverage to pay for the cost of rebuilding your home from the ground up (at the very least), should a disaster occur. There are plenty of other factors to consider, too.

A standard homeowners insurance policy generally protects you against hazards like:

  • Fire and lightning
  • Damage from hail and windstorms
  • Theft and vandalism
  • Smoke damage
  • Falling objects, like tree branches
  • Damage from the weight of ice, snow, or sleet
  • Frozen plumbing, heating, AC, or other household systems
  • Vehicles (and even aircraft)
  • Riots or civil commotions
  • Explosions

That is just for your home itself. With homeowners insurance, you may also get automatic coverage for your liability, personal belongings, other structures on your property like carports and fences, additional living expenses if your home becomes temporarily unlivable, and more.

 

Our advice: pay it all at once. Since most lenders tend to require that you prepay one year’s worth of home coverage before you’ll be able to close your mortgage, it would help to know that you benefit in some way from this sometimes-hefty upfront cost, right? Right. Paying your homeowners insurance premium all at once allows you to exclude that premium from your closing costs, which generally include lender and other fees that you’re responsible for in addition to your down payment. Closing costs are generally paid in one lump sum.

Call Us Today

Trueway Insurance is an insurance company located in Palm Springs. We offer affordable insurance for home, car, among others. We have all the information regarding property insurance. We are here to provide quality for our customers because we believe in the power that insurance can have in any person’s life. If you are interested in learning more about what we can do for you or you have further questions regarding notaries and how they play a part in the insurance process, contact us for home insurance quotes.

Home Safety Advice From The Experts

Home Safety Advice From The Experts

by | Jan 14, 2019 | home insurance quotes

If you’re a homeowner worrying about home safety can drive you crazy. Being constantly worried about break-ins, vandalism, floods, hurricanes, or other severe weather can leave you feeling stressed to the max. That is why there are things that the experts want to make sure you understand about securing your home to make sure you don’t find yourself in an unfortunate situation. Insurance companies are always looking to keep the number of claims they get and payouts they give at a low amount, so they are always willing to sit down with their clients to provide some much-needed advice about home security. If you’re looking for a new home insurance quotes or a new provider Truway Insurance in Lake Worth could be a great option. With their endless resources and team of experts, they are guaranteed to provide the best service and the best price.

The Top Home Safety Tips

There are a lot of things that homeowners can do to ensure the safety of their home, but a lot are overlooked because they seem to be common sense. However, many experts find that a large percentage of owners aren’t following these simple tips.

  • Make Sure All Smoke Detectors Work: This may seem like something you should check every month, but you’d be surprised at how many people don’t continually monitor their smoke alarms or don’t have them installed at all. If you hear a constant beeping from the alarm that means the batteries need to be changed or if there is a spot on the ceiling that looks like it used to be home to an alarm you should put one back up. Making sure your home is properly set up to alert you of a fire is an essential part of making sure it’s safe.

 

  • Pay Attention To Your Roof: Depending on the type of roof your home has it will probably need to be replaced every 20 to 30 years. If you have been in your home this long, it’s important to hire a reputable contractor who specializes in roofing to come out and take a look at the condition of your roof. The most frequent claims insurance agencies see are those that have to deal with severe weather so ignoring problems with your roof can lead to even bigger problems down the road.

 

  • Get An Automatic Water Shut-Off: The chance that something can go wrong with your pipes over the course of the time is likely the longer you live in your house, which means you should come up with a plan to help avoid any damage that could happen due to a burst pipe. Investing in a smart water system that will automatically shut-off when it senses something is wrong is a great way to save your home from a large amount of damage.

 

  • Ensure Cybersecurity: As technology becomes a larger part of our world and your home it’s important to know how to protect yourself from online criminals. As more and more people are turning their homes into “smart homes” the potential for being hacking is growing. Once a breach happens a hacker will have access to personal information like bank account information, email passwords, social security numbers, etc. Not only can they gain access to that type of information, but if they can control your smart thermostat, they can turn off your heat while your traveling and leave you at risk for frozen pipes or they can access your security system and disable it to enter the home.

Following these tips are essential for ensuring your home remains safe against all types of criminals. When you are shopping around for home insurance quotes, you should ask all of the providers about how they can help you secure your home!

Contact Us

TrueWay is a leading insurance provider in the Lake Worth area. We are here to help our customers understand home safety and what measures they can take to ensure their home is protected. If you’re tired of shopping around for home insurance quotes, call or visit us today for more information.

Insureds Living in Flood Zones Must Meet Higher Building Code Standards

Insureds Living in Flood Zones Must Meet Higher Building Code Standards

by | Jan 1, 2019 | affordable insurance, home insurance quotes

Since the devastating storm that hit the panhandle back in October of last year, homeowners are facing stricter rebuilding standards after this powerful storm. Bay County residents living in floodplains must now meet higher code standards and also must raise their foundations. Trueway Insurance has all the latest information regarding this newest update. We will keep you in the loop of flood zone information including affordable insurance in Lake Worth.

 

Stricter Building Standards

As stated, Bay County homeowners living in floodplains must meet code standards. Individuals are instructed to raise their foundations if their hurricane damage repair costs exceed a certain threshold.

 

There are many homeowners that are unaware this is happening, which is alarming. The country has received calls from the residents residing in the floodplains that state they did not know they did not meet the stricter regulations. This is almost too late before they can get building permits to repair damage from Hurricane Michael. Officials state the extra regulations are needed so homeowners can keep access to relatively cheap federal flood insurance. If residents do not comply, affordable insurance may no longer be an option.

 

Attention Flood Zone Residents

There are roughly 104,000 people who live in the floodplains. Of this number, there is a good portion of them are in the dark when it comes to these new regulations. The county wants the public to be aware of this. They want them to be informed in order to avoid strife and delays in their repairs down the road. If the public is informed, they also get the chance to work with their insurance companies and receive the benefits they need.

 

The regulations on rebuilding will not apply to every floodplain homeowner, though. Any home reconstruction, rehabilitation, addition, or other improvements must meet the regulations only if the work equals or exceeds 50 percent of the building’s market value. Once the cost threshold is reached, the homes must meet the same standards as a new building, which typically means building up to current codes and raising the foundation to or above the base flood elevation.

 

Are you wondering who is behind these regulations? These are required by the Federal Emergency Management Agency’s National Flood Insurance Program. Since 1981, the county has participated in the program, aimed at making federal flood insurance available to homeowners living in floodplains. Without federal flood insurance, residents would only have access to private flood insurance options, which can be much more expensive.

 

Call Us Today

Trueway Insurance is an insurance company located in Lake Worth. We offer affordable insurance for home, car, among others. This includes those living in a flood zone. We are here to provide quality for our customers because we believe in the power that insurance can have in any person’s life. If you are interested in learning more about what we can do for you or you have further questions regarding notaries and how they play a part in the insurance process, contact us at TrueWay Insurance today.