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124 Triad Center W,
O'Fallon, MO 63366

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Senn Insurance Agency Blog

The Basics of Homeowners Insurance

Homeowners’ insurance covers a multitude of items, but most people only think of it as related to covering repairs. Senn Insurance Agency of O’Fallon, MO wants you to understand how important this policy is to your home and finances. It does cover property damage to the home from numerous perils, but also for liability if somebody gets hurt on the property, damage to other structures on the property and the contents of the home. It also covers losses from theft, one of the most common forms of property damage.

A standard homeowners policy covers common natural hazards, called perils in the insurance industry. These include fire, hail, wind damage, tornado, theft, and frozen pipes. There are things that homeowners’ insurance does not cover also. These include flood, earthquake and, in Florida and Texas, hurricane damage. These require a separate policy for coverage. Flood insurance comes from the National Flood Insurance Program. You can obtain earthquake and hurricane, sold as wind insurance, from regular insurance carriers.

Some insurance carriers cover sinkholes under their homeowners’ policies, while others do not. It’s a more common problem than one might think. While they can occur almost anywhere, according to the US Geological Survey, the states experiencing them most frequently include Florida, Texas, Alabama, Missouri, Kentucky, Tennessee, and Pennsylvania.

Because of the wide range of protection it provides to your property, lenders require you to carry homeowners’ insurance while you carry a mortgage on the home. Call or visit Senn Insurance Agency of O’Fallon, MO to learn more about how homeowners’ insurance protects your home and your home business financially. Learn more about protecting your home on our website.

Ways to Protect Your Home in the Summer

There are a number of ways to protect your home in O’Fallon, MO during the summer months.

Insulate: Many people think of insulation for the winter but it’s equally as important in the summer. Just as cold air creeps in, so too does hot, sticky air. To beat the heat, start in the attic. Inspect every part of your home to make sure insulation is installed correctly to not let the cool air out.

Combat Direct Sun: Wooden decks can be dried out by the intense summer sun, which can lead to cracks and shrinkage. Ultraviolet rays will break down wood fibers so be sure to add a UV protected sealer to an outdoor deck. If you want to use a stain, know that the darker the stain, the better protection it can offer your wood.

Choose the Right Paint: Bad weather can be dangerous to the exterior of your home. Harsh UV rays can cause the paint to peel, fade, or chip. Rainy and humid conditions can help mildew and mold take root. Extreme temperatures will force the exterior to expand and contract and shorten the life of the paint.

Seal Leaks: The rainy season can wreak havoc on a home and you want to make sure it’s waterproof. Check your gutters to make sure there aren’t any crack left over from winter. Make sure downspouts are pointed away from the home so water doesn’t flow into the foundation and endanger the basement. Look in the interior to see if there are any signs of water damage on ceilings and walls.

Check Your Home Insurance: You should be checking your home insurance yearly and summer is a great time to do it. Let your agent at Senn Insurance Agency know if you have had any major home improvements to figure out if you need any additional coverage.

Contact Senn Insurance Agency, serving O’Fallon, MO, to get a quote on home insurance.