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Surprising Things You Might Not Know Your Home Insurance Covers 

Having the right home insurance policy will protect your home and belongings, and additionally, cover your liability exposure from owning a home. You are probably aware of the typical events that home insurance covers, such as vandalism, fires, fallen trees, wind damage, or even lightning strikes. However, not all natural events are covered by all home insurance policies – many policies do not cover losses in the event of an earthquake or flood, meaning the policyholder would need to seek additional insurance to be fully protected. While it is best to consult your insurance agent to see your coverage, here are five surprising things you might not know your home insurance covers. 

Identity Theft 

One surprising event that is covered by your home insurance policy is identity theft. Many home insurance policies allow reimbursement for the costs of identity theft, such as lost wages or legal fees. Please note that this type of coverage is not guaranteed in all policies, so check with your agent to see if you are covered. 

Property of College Kids 

If your children have grown up and moved off to college, their property may still be protected under your home insurance policy. Policies typically cover anyone living in your household, as well as children under the age of 24, meaning your college-aged child may still be protected. It is important to note that the liability limit for students’ property may be lower, and not all policies cover off-campus housing. If this is a major concern, consider adding renter’s insurance to guarantee total protection. 

Mandatory Home Upgrades 

If there is legislation passed that requires you to make changes or improvements to your home, the cost of those changes is typically covered by your home insurance policy. There are usually limits to this type of coverage, so check with your agent to see the specific coverage your policy offers. 

Harm Caused by Pets 

Another surprising thing that is frequently covered by home insurance is medical expenses incurred from something such as your dog biting someone. However, many policies have a limit of $300,000 for medical expenses, so talk to your agent to see if you need to supplement your policy with additional protection.  

Riots/Civil Unrest 

Many home insurance policies provide you with protection for your home and personal property in the event of civil unrest, frequently referred to in the insurance world as “civil commotion.” Events such as fire, vandalism, or even explosions are typically covered. If the damage is done during a time not officially declared as a state of emergency, it is important to obtain a police report to submit when you file your claim. 

While you might not have thought these five things would be covered by your home insurance policy, there are many other surprising events that your policy is likely to cover. To see exactly what your policy covers, or if you need supplemental insurance to fully protect yourself, contact your local insurance agent today. 

Sugar Rush: How Does Too Much Candy Affect Your Body?

We all know that sugar is not good for our bodies, but the scary repercussions do not seem to be fully realized when we look at American culture. Many of our holidays revolve around food, and, particularly and not coincidentally, processed and refined foods such as candy. Americans love candy and purchase around twenty-four pounds of candy per person, per year, ingesting the most around Halloween.

Americans, we have a problem.

Too much sugar is poisonous for our bodies. Sugar overworks the liver and pancreas and causes inflammation. It directly and indirectly leads to a wide array of health problems, from tooth decay and obesity to heart disease and diabetes. Removing sugar from your diet can even lower your chances of suffering from the worst symptoms and conditions from Covid-19.

In a study on the effects of sugar on heart health published in 2014, “people who got 17% to 21% of their calories from added sugar had a 38% higher risk of dying from cardiovascular disease compared with those who consumed 8% of their calories as added sugar.”

So we know it is bad, but there are important questions that remain: How much is too much and how do we change?

How much is too much?

The American Academy of Pediatrics says that “on average, sugar makes up 17% of what children consume each day,” way more than what the Food Pyramid suggests. It isn’t feasible for us to track our sugar using a pyramid graph, but there are more reasonable ways we can monitor and evaluate our sugar consumption.

Nutrition labels have continuously improved over the years in containing a wealth of info that should not be ignored. The American Heart Association recommends you look to this label and keep your daily intake to under twenty-five grams (or six teaspoons) for women and under 36 grams (or nine teaspoons) for men.

What to do about it.

Of course, there’s an app for that, but we can’t expect ourselves to digitally track sugar intake for every member in our home. One of the easiest ways to monitor is to limit and even cut sugary foods in their entirety from the shopping list.

Who is in charge of the shopping and meal preparations? Start here. Limit or remove foods that contain refined sugars, such as high fructose corn syrup, listed on the labels. Replace sugary drinks, which is the main way children consume sugar, with healthier options such as milk and water. Begin this healthy overhaul before the food even enters your home.

Don’t be a total killjoy, especially around the holidays, but do be conscientious of what is going into your and your children’s bodies. Don’t leave candy lying in plain view – out of sight, out of mind, right? Impose limits on daily sugar intake that follow the guidelines for children (25 grams per day for children 2 and older) and for adults, especially if you have dietary restrictions for a health condition.

Other ways are to choose healthier options. Insider ranked almost two dozen fan-favorite candies from worst to best (Smarties are “best”). Whole fruits and low- to no-calorie sweeteners are another, healthier way to satisfy a sweet tooth.

Most importantly, be mindful of what goes into your body, and if you buy the groceries, pay mind to those who look to you for guidance on living a healthy lifestyle. There are many resources around you. Ask your doctor, dentist, and even your insurance agent about these resources to cut costs and improve your dental, health, and life insurance plans. Heeding advice now will have more rewards than a king-size candy bar can offer! Your health is invaluable – treat it that way.

6 Reasons to Insure Your All Terrain Vehicle (ATV)

Blazing trails on your ATV out in the fresh, clean, country air is an indescribable joy that can only be felt. Thinking about insurance against damages and injuries is no joy, but it is a hill that you and your agent need to charge over together so that you can continue doing what you love.

Here are six reasons you should get with your agent and discuss the proper coverage so that you can get back to your ride, worry-free:


Many states require proof of insurance when using your ATV on public land, and some states require it when in use anywhere not on your own land. You may also not be allowed by law to drive your ATV on paved roads in your state. To avoid a ticket and fines, it’s best to ask your agent about the minimum requirements for insuring your joy-ride in your home state.


Riding dirty may not just be a challenge at home, but could also be an issue when leaving the homestead. A good tip is to check the states where you plan to ride. Many ATV enthusiasts travel to areas such as Moab, Utah, for their thrill-seeking adventures, but there are countless destinations for a fun-filled weekend with your ATV. One thing that could be a real killjoy on vacation is to find yourself noncompliant with minimum insurance requirements. Keep your travels safe and pleasant by talking to your insurance agent before crossing state lines.


Taking the good with the bad, we know that incurring damages is a sure possibility in the rough and rugged terrain you enjoy. Averaging anywhere from $5,000 to $15,000, this “toy” is no small purchase. Protect yourself like you would with your car or truck with either liability, collision, or comprehensive coverage. Not only should you be worried about your vehicle, but other vehicles and property as well.


There are about 650 deaths and over 100,000 injuries involving ATVs each and every year. Concussion, broken bones, spinal trauma, and cuts & bruises are the four most common ATV injuries. Wearing the proper gear, such as a helmet and padding, prevents many, but not all, injuries. Ask your doctor or agent about more precautions to take to avoid getting hurt, but know that the risk of injury on ATVs is fairly high, especially for children under 16 which account for about 26% of all ATV-related accidents in 2018.

The National Association of Insurance Commissioners (NAIC) says you may want to ask your agent the following questions: Are there age restrictions on who may operate my ATV? Does my policy cover other people who may operate my ATV? These are great springboard questions into protecting more than just your ATV, but your little riders as well.


Due to their high value and ease of loading in a truck bed or a trailer, your ATV is an ideal item for would-be thieves. Protect it from theft as best you can by following tips from your agent, such as removing keys, using the steering lock, and blocking it in with another vehicle if you can’t keep it inside.


Consider the insurance part of the sticker price of your ATV, because without it, you’re probably just borrowing time until the inevitable happens. Insurance is there for those instances, the unexpected. The average cost of your monthly premium is only about $100 for a standard policy, but it can vary wildly depending on your age, area, amount of use, and model of ATV. The only way to know for sure is to make an appointment with your agent and get a quote.

Your time on your ATV should be worry-free and fun. Let your agent help with that in the best way they know how to protect you.

Important Tips for Your Roof Inspection

Your roof is your home’s first line of defense from natural elements such as rain, hail, snow, and debris. Even a small crack can cause extensive damage, so it is a good idea to conduct routine roof checks. This helps keep your home and family safe, while also ensuring you have documentation of professional maintenance to provide your insurance policy. Here are tips to keep in mind when it comes time for your roof check. 


Inspect Regularly 

Plan to inspect your roof at least once a year. This allows you to stay ahead of repairs as you note possible damage. Conduct additional checks after extreme weather such as hail, snow, or thunderstorms. Depending on the weather in your climate, your roof may be subject to more possible damage from natural elements. Your home insurance policy does not cover “wear and tear” repairs or those caused by age, so it is vital to complete this maintenance as part of your homeownership.

Do a Visual Check First 

The first step in your inspection is to do a visual check from the ground. Walk around your home to check for any signs of possible damage. Here are a few things to look for: 

  • Missing or broken shingles 
  • Warped, blistered, or curled shingles 
  • Asphalt shingle grit in gutters 
  • Cracked caulk 
  • Rust spots 
  • Moss or lichen on rooftop 
  • Sagging spots 
  • Darkened ceilings or interior water damage 

If you spot these signs, it is time to get the problem addressed immediately. If left unrepaired, these concerns can cause major structural damage to your home. Because they were part of the wear and tear that homeowners are expected to maintain, the cost will come out of your pocket and not your insurance policy.

Hire a Professional 

It can be tempting to perform a “DIY” home repair and save a few dollars, but this is not worth the risk. Hire a roofing professional with experience fixing roofs and working on a ladder. They can address the concerns you identified, along with inspecting the full roof to determine if more work is needed. Confirm that the roofing repair company also has their own insurance updated, and ask what warranty they offer on their work. 


Understand Your Homeowner’s Insurance Policy 

If your roofing professional determines that your roof is in need of a total replacement, you may be facing an extremely high cost. In the case of damage due to age or normal wear and tear, the repairs will most likely not be covered under your homeowner’s insurance policy. However, if a tree branch has fallen onto your roof and caused a leak, this may be covered. 


Annual roof inspections are vital to keeping your home and family safe. Keep all your records of any updates and maintenance completed by licensed and insured professionals. For questions about your homeowner’s policy or additional roof insurance coverage, speak with your local agent today. 

Buying a Fixer-Upper? Here’s What You Need to Know About Insuring It.  

If you are looking into buying a home, you may be experiencing a bit of a hard time due to the current circumstances of the housing market. Buying a fixer-upper can sometimes provide a shortcut to homeownership, whether you are a first-time homeowner or buying your next home. With the low inventory but high demand for homes, the difficulty of obtaining a home has increased, especially on a budget. This is why we are seeing a rise in people buying fixer-upper homes. But what insurance do you need if you are buying a fixer-upper instead of a traditional home? We’ve compiled a list of insurance policies that can help protect you and your new property. 


Insurance Options for a Fixer Upper Home 

Conventional Home Insurance 

Eligibility for conventional insurance comes down to the ability to complete any outstanding repairs within before or within 30 days of closing. What if the home has more difficult to complete repairs? What if you aren’t planning on moving in for a few months? The conventional insurance policy may be out of reach. Did you know that empty and under-construction homes are considered a high risk for insurance companies? The traditional insurance company will, more than likely, recommend that you get a different insurance policy that is specifically formulated for higher-risk situations like these. Some may even write the policy themselves while other insurance companies will refer you to a third-party insurer that specializes in these high-risk policies. 


Builder’s Risk 

The most common form of insurance for homeowners with a new construction or newly renovated home is builder’s risk insurance. Typically, this policy starts with lower costs and as the home gets into better conditions, the cost will rise because the home value has now increased. This policy is easier to get if there is a solid, timed plan to finish the construction or new build.  


Vacant Dwelling 

Will your new home be sitting vacant while repairs and work are being done on the property? Vacant dwelling insurance may be a possibility. This policy will cover most physical losses, if there are any, but it will usually not cover any form of theft from the premise. Pay attention to the location of the property and decide if theft is a huge or minor issue. This can be a real problem anywhere if the home contains valuable appliances, tools or copper wiring and piping.  


Need to know more about policies to protect your new fixer-upper home? Reach out to your local agent for more information on the best insurance policies that fit your situation.  

Small Business Owners: What Kind of Insurance Should You Offer to Employees? 

Understanding what types of insurance to offer your small business’s employees can feel like a challenge. However, this is a great problem to have! It means you as the owner have done a wonderful job growing the company and adding new staff members to your dedicated team. Health insurance benefits are a major way to attract top talent to your company.  

The Affordable Care Act changed the landscape for small businesses and now requires companies with 50 or more employees to offer an “affordable” health plan. For an employee-only policy, they cannot spend more than 9.5% of their household income for coverage. Even if your business has fewer than 50 employees, there are still major incentives such as tax credits, employee satisfaction and retention, recruiting talent, and reduced sick time. Here, we are breaking down the basics of the types of insurance coverage to keep your small business’s employees happy and healthy. 

Medical Insurance 

The first step in providing insurance benefits is to offer medical coverage. This includes preventative care like annual checkups, along with emergency support. You as the business owner have options for the types of plans and the amount of subsidizing you want to offer. A Preferred Provider Organization plan is the most common and allows employees to go to a doctor or hospital that is within a “preferred” group. This includes preventative and emergency care. Employees will pay for their monthly premium and any costs up to their deductible. To determine what amount you would like for employees to pay and what you as the business can afford to cover, speak with your local insurance agent who can help you find the best plan and pricing. 

Dental Insurance 

Unlike medical insurance, dental insurance is not required under the Affordable Care Act. However, offering this vital preventative service is typically a low-cost commitment for you as the business owner and a valuable form of care for your employees. Individual employee-sponsored dental plans can cost your small business about $14 to $30 per month per person, with family coverage being higher. Most dental issues are preventative, but they can lead to many more serious health concerns if they are left untreated. Therefore, it is important to offer your small business’s employees the opportunity to enroll in a group plan, even if you cannot subsidize a portion of the cost. A group plan that is negotiated by your insurance agent will be more cost-effective for your employees than a private plan. 

Vision Insurance 

Similar to dental insurance, you are not required to provide your small business employees with vision insurance. However, with three out of four Americans wearing corrective lenses, the cost of eye exams, glasses, and contacts are important to a majority of your employees. If you plan to cover some of the cost for your employees, this is often one of the most inexpensive types of insurance to budget for. Your expense may range from $5 to $10 per month for basic preventative care and corrective lenses. More comprehensive plans, such as those that offer a discount on LASIK surgery or other more intensive procedures, could cost you $15 to $20 per month per employee. Showing your staff that you value all aspects of their health and wellness, especially something that is often out of their control, will go a long way in creating a positive environment for your team. 

Short-Term Disability Insurance 

One final type of insurance that you may want to make available to your employees is short-term disability. While policies can range from three months to a year, each one serves to provide your employee with a portion of their income or salary if they are out of work for a short time. Reasons can include a medical illness or surgery recovery, pregnancy, or injury, but the specific list of covered disabilities will depend on the policy you select. The primary benefit is to your employee, who can hopefully avoid financial hardship while they are unable to work. However, offering this also benefits you as a small business owner. You most likely spend a lot of time and resources selecting and training your staff. By offering this benefit, you can help them maintain their lifestyle, recover safely, and return back to work at the appropriate time.  

Regardless of the size of your small business, offering a variety of insurance plans is becoming more and more important. Jobs and salaries are more competitive than ever, and employees are looking for a company that values both the work they contribute and their personal wellness. Speak with your insurance agent today to determine which group insurance plans are right for your organization.  

Did You Recently Purchase a Secondary Home? What It Means for Your Insurance Policies 

Everyone enjoys a break from busy day-to-day lifestyles with an escape, but what better escape is there than a home away from home? A secondary home, also referred to as a vacation home, is an additional property that a homeowner buys at a different location from their primary residence. These properties are typically found in the mountains, by the ocean, by the lake, or simply in a different location than the owners’ primary residence. One thing that may trip up expectant secondary home buyers is the effect the additional property will have on a policy.  


Why Do I Need a Secondary Home Policy? 

When you own a homeowner’s policy, it isn’t usually accepting of a secondary home since most people are not occupying the second home for more than a few months out of the year. While a secondary home policy is required when purchasing an additional home, it’s recommended to know what risks may affect this new policy. Some factors that can affect your policy include: 

Replacement Cost: If the cost of the second home is more to replace than it is worth. 

Vacancies: If the home is vacant for an extended period, it is at risk of being vulnerable to damage. 

Location: Depending on how far or close your home is to emergency services can cause your rate to increase or decrease. 

Rental: If the second home will be used as a rental, there will be the need for additional coverages such as landlord insurance. 


Additional Coverages for a Secondary Home Policy 

Most secondary home policies come with limited coverage. Adding additional coverage to your policy is a must if you want to increase your protection. If adding additional coverage to your policy is a must, consider the following options: 

Personal Property Coverage: Protect your belongings in case of a disaster that could damage your personal items. These items include furniture, clothing, appliances, or other personal items. 

Personal Umbrella Policy: Coverage in the event if damage done to a second home is higher than the limits of basic home coverage.   

Personal Liability: If you are found responsible for an injury to someone on your property who doesn’t live in either home, this coverage is there to help cover medical or court costs. 

Flood Insurance: Normal homeowner’s insurance policies don’t combat flooding. Depending on the location of the second home, a lakefront property for example, it may cause a higher risk of flood or water damage.  

Full Replacement Cost: Helps provide coverage for the full cost to rebuild your home if the total loss is up to 125% of the coverage limits of your policy. Depending on where the property is, there is the potential to receive up to 150% of costs.  


Having a secondary home is an exciting prospect for any homeowner!    

If you are in need of updating your policies to include a secondary home, or you are interested in learning more about secondary home policies, contact one of your local insurance agents to discuss a quote! 

The Importance of Your Yearly Dental and Vision Appointments

Yearly check-ups are vital for your long-term health and well-being. Many people think going to the doctor for their annual check-up is good enough, but you also need to visit the optometrist and dentist! Your dental and vision appointments are also vital for your health. Here are a few reasons why you shouldn’t skimp out on your dental and vision:   


Eye Care  

Even if you don’t think your vision has changed, you should still go to the optometrist for the overall health of your eyes—many eye diseases go unnoticed until it’s too late! Sometimes your eyes can show signs of illness before medical doctors can diagnose them. Your eyes can be the window to certain health issues you may have because it’s easy to see the blood vessels and nerves in your eyes.   

Your vision can change slowly over time without you even realizing it. If you have young children, they may have vision issues that they aren’t even aware of. Many children will think their poor eyesight is normal because they don’t know better. Your kids’ grades in school may suffer as a result of not being able to see correctly!   

Visiting the optometrist is more than just getting a pair of glasses or contacts to correct your vision. They have tests and screens for eye diseases and can often see symptoms of other medical problems in the eyes. Yearly vision check-ups can help prevent vision problems from evolving into chronic conditions like retinopathy, cataracts, and glaucoma. Glaucoma is a silent disease that many won’t know about until they start losing their vision. Visiting your optometrist yearly is a necessary preventative measure if you want to keep your eyesight.   

Did you know you can develop melanoma (a serious type of cancer) in your eyes? Melanoma can develop in the choroid, which is the layer behind the retina. Your optometrist will be able to see any tumors or unnatural occurrences in your eyes during your screening. They’ll also look for other diseases like macular degeneration or retinopathy, which can both cause loss of vision.   

Dental Care  

It is highly recommended to visit the dentist once or twice a year. You may follow a good dental hygiene routine, but visiting the dentist is still one of the best ways to prevent oral health problems. Many people won’t notice they have a cavity until it’s already too late to reverse it.   

Cavities happen when the enamel of the teeth is eaten away by bacteria. Undigested food can build up on the surface of your teeth and gums forming a substance called plaque. When you have a buildup of plaque on the teeth, you are more likely to have a cavity. Brushing and flossing your teeth can prevent plaque buildup, but sometimes when plaque hardens too much it becomes a job for the dentist. If you don’t go to the dentist to have your teeth cleaned, your cavity can worsen until it gets to the point of an abscess.   

If your cavity gets to the point of an abscess, you will need to go on antibiotics. An abscess is a severe infection you shouldn’t scoff at—especially if it’s in your mouth. If the infection were to get into your blood it could become fatal.   

A healthy mouth is important! Visit your dentist at least once a year to keep your mouth in tip-top shape.   


Know Your Insurance  

You can usually bundle your vision and dental insurance with your health insurance. Contact your local insurance agent to discuss your insurance needs today!   

Brand Awareness and Identity for Your Business

When it comes to promoting your brand, awareness is everything. Creating an identity for your brand is essential to standing out from the competition and connecting with your target audience. But how do you go about doing this?  

Here are a few key things to keep in mind when creating your brand identity:  


What Is Brand Awareness?   

Brand awareness is how familiar consumers are with your brand and business. Brand awareness creates customers that are more likely to shop at or become clients of your business. Consumers are more likely to buy from and become reoccurring consumers at businesses they are familiar with.  

You want your business to have a personality that consumers can relate to. That’s what brand awareness does. You can create awareness of your brand by creating a personality that creates a bond with consumers. If you can foster trust and familiarity with your consumers, then they will keep coming back!  

Once a brand is popular enough, people can instantly recognize them anywhere. Make sure your business has a recognizable logo that connects your brand with consumers. Most of us can tell instantly what a business is just by looking at the logo. Have you ever driven down the street and seen the golden arches? You probably recognized that it was a McDonald’s. This is peak brand awareness.   

To reach this level of brand awareness, you’ll need to put in some serious work. But don’t worry—read on and you’ll know where to start!  


How to Build Your Brand Awareness  

For starters, you can’t expect to significantly raise your brand awareness by running a few advertisements! It takes quite a bit of work to be familiar with consumers. Advertising will help spread your name and what you do—but it’s not guaranteed that people will follow through unless your advertisements are unforgettable.   

Here’s a list of things to do with your business marketing that can help you raise your brand awareness:   

Social Media  

If you don’t already have social media accounts for your business, you should make them. Social media is one of the best ways for brands to interact with their consumers. Having a distinct personality through your social media will attract your target audience. Just make sure you post on your accounts regularly. You should be creating content and interacting with your followers. Create engaging posts your followers will like and share. When your followers share your content, it’s like free advertising.   

Great Customer Service  

Customers remember when customer service is good, and they remember even more when it’s terrible. Avoid scathing reviews by offering consistent, high-quality customer service that your customers will be happy about. Respond quickly with a friendly tone.   

Everyone loves good customer service that cares about their needs. If a customer has an issue with a product, make sure it is resolved quickly and peacefully. Consumers are likely to rave about how great the customer service was in a review even if they had issues with a faulty product. Customers that don’t have good customer service will likely leave a horrible review of your business and services and potential customers will see it. That’s why it’s super important to have amazing customer service to help handle customer complaints.   

Promotional Products/Services  

Everyone loves a good discount—even more if it’s free. Consumers are more likely to check out your products and services if you are offering a good discount or a free sample. Depending on the type of business you are running, you may want to consider a discount on the first month of service or include a free “gift” with your purchase. Consumers remember this and will appreciate it. They’ll be more likely to continue paying for your products or services because they view your business as trustworthy.   

Online Presence  

Your online presence is key to the success of your brand. Most people don’t go past the first page of search results, so make sure your page is SEO friendly! Work hard to make sure your website has a high ranking. You can do this by having plenty of content (pages & blogs), using focused keywords, and having a good, user-friendly layout.   


There’s no doubt that brand awareness is important for businesses. After all, if customers don’t know about your brand, they’re unlikely to buy from you. Make sure to maintain your presence to grow a following in your community!   

If you need business insurance to help protect your business, contact one of your local insurance agents to discuss a quote!   


Mid-Year House Maintenance

Having a house maintenance checklist and keeping up with it can significantly improve the life of your home and can also save you money on repairs later on. Some home maintenance projects are better to do in the summer than in winter. If you plan on doing any work to the exterior of your home, it’s much easier to finish when no winter storms are getting in the way! Here’s a list of home projects you may want to complete this summer:  

Outdoor Cleanup  

There may be a few exterior projects you’ve been meaning to do but haven’t been able. Summer is the best time to landscape your yard or fix up the exterior of your home. Look at your local weather forecast before taking up some projects. If you’re planning on staining or painting your fence, deck, or house, you’ll want to make sure it’s not raining for a few days to ensure it properly dries.   

New Siding  

Is it time for new vinyl siding? Vinyl is a popular choice for home siding as it is highly durable. However, if any pieces of vinyl are not properly attached, your home will likely suffer from water damage. Make sure you have any loose vinyl siding replaced by a professional. Older homes may need all-new vinyl siding installed. Modern vinyl is durable and can last up to 100 years if it’s well-kept.   

New Roof  

Summer is also the ideal time of year for roof repairs! If your roof has a leak and needs repairs, now’s the time. Or, if you need a new roof, it’s best to do it when it’s not snowing. Roofs typically need replacing around every 20 years or less depending on the materials. Older, worn roofs are more susceptible to water damage. Water damage doesn’t go away on its own and will only get worse. If your roof leaks, it’s time for a new roof! If you’re replacing your roof, it may also be time to consider installing new gutters.   

Replace Windows   

Summer is an ideal time to have your windows replaced. It’s better to replace windows when it’s not freezing outside. However, you may want to have them replaced closer to autumn when it’s a tad cooler outdoors. You probably won’t want your air conditioning on when replacing windows because it wastes energy.   

Old windows are often inefficient and drafty. New windows can boost your home’s curb appeal while lowering your heating and cooling bill. Installing new windows in your home can be costly, but you’ll save on your energy bills later on. If you plan on selling your house anytime soon you can expect a significant return on your investment.   

Pest Control  

When you’re working on the exterior of your home, keep an eye out for any pests that may be trying to take up residence! Look out for hornets or signs of termite infestation. Hornets and birds sometimes try to make a nest in your attic, so keep an eye out for any openings they may be able to get through and be sure to seal them up.  

Rather than spending a hefty amount on pest control to come and eradicate pests, consider signing up for a plan where they visit your home regularly. You can save money in the long run with a monthly pest control visit that will deter pests from infesting your home.   

Maintaining your home regularly will keep your home healthier longer. No one wants to live in a run-down house. Taking care of your home will make it worth it in the long run—especially when it comes time to sell. You may also want to make sure your home is properly insured with a good home insurance plan. Talk to one of your local insurance agents today to discuss your home insurance policy.