Category: Home Insurance

It seems like yesterday it was beach time, and now the leaves are starting to change, and it is time to get your home ready for fall. At the end of summer, the seasonal decorations and the inflatable pool are packed away for another year, and it’s time to get ready for autumn. Bring out the scarecrow and the mums for your front yard but getting your home ready for fall involves a lot more than that. At Steiner Insurance Group in Norman, OK, we want to help you to make sure that your home is safe for fall, and we have a few tips to get you there. 

Start at the top

Fall is the right time to get your chimney cleaned. Dirty chimneys are a fire hazard, and if you plan on using your fireplace, make sure you do it safely. Your roof has a lot to deal with during the fall, with strong winds and rain. Ensure that your flashing is in good condition and you don’t have any missing or damaged shingles. 

Windows and doors

A lot of heat is lost from ill-fitting windows and doors. A little caulk and weather stripping helps seal up any leaks that you may have.  

Check the batteries

As the weather starts to cool down, people start spending more time inside. It’s the perfect time to check the batteries in your fire detectors and your carbon monoxide detector. 

Furnace cleaning time

Nothing is worse than getting that first fall cold snap, turning up your heat, and nothing happens. Your furnace needs to be cleaned and service yearly, and doing it before you need to use it will save you from being cold and paying for an emergency visit from your HVAC people. 

When it comes to getting your home ready for fall, we have given you plenty to work with. If it’s time to get your home insurance reevaluated, give Steiner Insurance Group in Norman, OK a call to set up an appointment for a free quote. 

If you’re looking for the right home insurance policy for your needs in Norman, OK, you should be aware of what some of the most critical add-on coverage types are. Luckily, we offer numerous types of home insurance and add-on coverage options at Steiner Insurance Group. 

Unfortunately, a basic home insurance policy won’t necessarily offer all the coverage types that you need at your property. When this is the case, you need to put add-on coverage types on your policy. 

Flood damage coverage

Home insurance policies do not usually include coverage for flood damage. At the same time, floods can occur just about anywhere in the country. They can also cause significant damage to a home.

Adding flood damage coverage to your policy is always a good idea. Also, this type of add-on coverage might not be costly if your home is not located in a flood zone.

If your home is located in any area where flooding is likely, you may be able to get government-subsidized flood damage insurance through FEMA. 

Coverage for highly valued items

If you have especially valuable possessions in your home, standard home insurance might not be adequate to cover them for their full value. In this case, you might want to consider adding high-value item coverage to your home insurance policy. 

Sinkhole damage coverage

Like floods, sinkholes can also occur anywhere in the country. Sinkholes can cause severe structural damage to a home. 

Sinkhole damage coverage probably won’t increase your monthly premiums by that much. At the same time, this type of coverage can be a lifesaver financially if your property does eventually experience sinkhole damage. 

If you need to learn more about add-on coverage options in Norman, OK, contact us at Steiner Insurance Group.